Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
1. Summary of the Issue I am filing this complaint because the account reported by XXXX XXXX XXXX XXXX  Credit Card Companies contains inaccurate, contradictory, and misleading information across XXXX XXXX and Equifax. 

Although the account was charged off in XX/XX/XXXX, all three credit bureaus continue to report activity, updates, and derogatory notations from XXXX, XXXX, and even XXXX. 

These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and are causing ongoing harm to my credit profile. 

2. Inconsistencies Identified in the Charge-Off Account After reviewing my credit report, I found the following major inaccuracies : A ) Impossible activity recorded AFTER the charge-off date The account is reported as charged off on XX/XX/XXXX, but : XXXX  reports Date of Last Activity as XX/XX/XXXX XXXX  reports Date of Last Activity as XX/XX/XXXX A charged-off account can not have activity several months after the charge-off date. 
This is factually impossible and constitutes false reporting. 

B ) Conflicting balances across and within bureaus XXXX  : {$0.00} XXXX  : {$0.00} Equifax : {$590.00} ( other sections show {$0.00} ) Equifax reports two different balances for the same account. 
This makes the information unverifiable and inaccurate. 

C ) Bureaus reporting the account as " updated '' in XXXX Despite being closed since XXXX, the bureaus show : XXXX  updated on : XX/XX/XXXX XXXX  updated on : XX/XX/XXXX Equifax updated on : XX/XX/XXXX Reporting a closed account as updated creates the false impression of recent activity and unfairly harms my credit score. 

D ) Different opening dates for the same account XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Equifax : XX/XX/XXXX Opening dates should be identical across all bureaus. 

E ) Illegal repeated monthly CO notations The bureaus continue reporting CO ( Charge-Off ) for multiple months throughout XXXX and XXXX. 

A charge-off must be reported only once, not repeatedly each month. 
These repeated CO notations severely and unfairly damage my credit score. 

F ) Creditor category inconsistencies XXXX  : Miscellaneous Banks XXXX  : Bank Credit Cards Equifax : XXXX Credit Card Companies The furnisher must be consistently and accurately identified across all bureaus. 

3. FCRA Violations These inaccuracies violate several sections of the Fair Credit Reporting Act : FCRA 1681e ( b ) Accuracy Requirement Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy. 
The inconsistent dates, balances, and statuses clearly violate this requirement. 

FCRA 1681i ( a ) Duty to Reinvestigate Bureaus must reinvestigate and correct inaccurate information once notified.

These errors persist and remain uncorrected.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on Reporting False Information Data furnishers may not report information they know or should know is inaccurate.

Recording activity after charge-off and repeated CO notations constitutes false reporting.

FCRA 1681s-2 ( a ) ( 2 ) Duty to Update and Correct Information Furnishers must ensure all information is complete and correct. 
The XXXX update dates and contradicting balances violate this statute. 

4. Harm Caused These inaccuracies : Make the account appear newer and more damaging than it truly is Artificially extend the negative impact of the charge-off Add multiple false derogatory events ( CO each month ) Harm my ability to obtain credit, housing, or favorable rates Present a misleading and inaccurate credit history

Company response to consumer: Closed with non-monetary relief