Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXXXXXX Account To Whom It May Concern, Im writing to dispute inaccurate and misleading information being reported on my credit report regarding the following account : Creditor Name : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$350.00} Status : Charge-off After reviewing the way this account is reported across the three major credit bureaus, Ive found serious inconsistencies and violations of the Fair Credit Reporting Act ( FCRA ) that I believe require immediate correction or removal of the tradeline. Below are the specific issues and the legal basis for this dispute : 1. Illegal Re-Aging of the Account FCRA 1681c ( a ) ( 4 ) Whats happening : XXXX  and Equifax are reporting the Date Last Active as XX/XX/XXXX, while XXXX XXXXeports XX/XX/XXXX. However, the actual last payment was made in XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX depending on bureau ). 

Why this is a problem : Negative items like charge-offs can only be reported for 7 years from the date of first delinquency. Reporting recent activity in XXXX falsely extends the time this account stays on my report, which is illegal under the FCRA. This practice is called re-aging, and it must be corrected. 

XXXX. Inconsistent and Conflicting Information Across Bureaus FCRA 1681e ( b ) Whats happening : Each bureau is showing different information for the same account : Date Last Active doesnt match Date of Last Payment differs by bureau Comments and payment status vary ( e.g., Profit and loss writeoff, CHARGED OFF ACCOUNT, etc. ) Why this is a problem : This is a clear failure to report my information with maximum possible accuracy, as required by law. These differences are harmful, misleading, and could unfairly affect my creditworthiness. 

XXXX. Incomplete or Missing Information FCRA 1681g Whats happening : The credit reports dont clearly show the original delinquency date for this account which is the date that starts the 7-year reporting window. 

Why this is a problem : As a consumer, I have a right to a complete and transparent credit file. If the original delinquency date isnt clearly disclosed, it prevents me from validating the accuracy or legality of the reporting. 

What Im Requesting In accordance with the FCRA, I am requesting the following : A full reinvestigation of the XXXXXXXX XXXX XXXXXXXX tradeline .

Verification of the true Date of Last Activity and original date of delinquency using documentation from the original creditor.

Correction or removal of the account if any part of the data can not be fully verified or is found to be inaccurate. 

A written summary of the results and an updated copy of my credit report. 

Thank you for your attention to this matter. I look forward to your response within the timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation