Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
Re : Complaint Against Equifax Information Services LLC for Violations of the Fair Credit Reporting Act ( FCRA ) Request for Full Deletion of XXXX XXXX XXXX Account No. XXXX Introduction I am filing this complaint because Equifax Information Services LLC is reporting false, inconsistent, and incomplete information on my credit file under the name XXXX XXXX XXXX, account number ending in XXXX. 

This account is labeled as closed but shows serious and repeated data irregularities throughout the payment history that violate several sections of the Fair Credit Reporting Act ( FCRA ). These reporting errors are misleading, contradictory, and harmful to my creditworthiness. 

I am not requesting a correction. 
I am demanding a full deletion of this tradeline from my Equifax credit file due to systemic inaccuracies and the bureaus failure to maintain accurate and verifiable data.

1. Violation of FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The attached screenshot clearly shows blatant data inconsistencies that violate this requirement : Missing or blank months : Entire periods such as XX/XX/XXXX XX/XX/XXXX, much of XXXX, and parts of XXXX show No Data Available. 
This contradicts other entries where Equifax still reports Charge Off ( CO ) for later months. If data is unavailable for some months, Equifax can not claim accurate continuity for others. 

Contradictory payment timeline : The report lists Charge-Offs ( CO ) continuously for XXXX XXXX, yet also marks the account as Closed. 
A closed account can not continue generating fresh monthly charge-off activity years after closure. This is factually impossible and misrepresents account status. 

No date of first delinquency : The report omits the date of first delinquency ( DOFD ), which is mandatory for determining when the 7-year reporting period starts under FCRA 605 ( c ).

Without this date, the account could be illegally re-aged or extended beyond its lawful reporting period.

Inconsistent collection activity : Some months show CO, others No Data Available, and some Paid On Time.

These mixed codes in a single tradeline create a false impression of payment activity that can not exist once an account is charged off.

These inconsistencies demonstrate that Equifax failed to ensure the maximum possible accuracy required by law.

2. Violation of FCRA 1681c ( a ) ( 4 ) & ( 5 ) Obsolete Information The FCRA limits the reporting of charge-offs and collections to seven years from the date of first delinquency.

Because Equifax omitted that date, there is no way to verify whether this account is being reported beyond its allowable period. This omission itself is a violation. 

If the first delinquency occurred in or before XXXX XXXX ( as the partial history suggests ), the tradeline is now obsolete and should have been removed. 

XXXX. Violation of FCRA 1681i ( a ) Failure to Reinvestigate or Correct Inaccurate Information Even though I have disputed this account previously ( as I have with similar items ), Equifax has continued to report this same inconsistent data without conducting a reasonable investigation.

Section 1681i ( a ) requires Equifax to reinvestigate any disputed item within 30 days and record the current status of the disputed information, or delete the item from the file.

Instead, Equifax continues to report : Missing data months, Repeated CO notations for years, Lack of any clear date for first delinquency.

This shows no reasonable reinvestigation took place and Equifax has violated 1681i ( a ).

4. Violation of FCRA 1681c-2 Failure to Block or Delete Information That Can not Be Verified Under 1681c-2, if the accuracy of an item can not be verified, the bureau must promptly delete that information.

Since Equifaxs own system admits No Data Available for multiple months, it is openly acknowledging it can not verify those periods.

Reporting unverifiable months while maintaining negative notations in others directly violates this section.

5. False and Misleading Representation of Account Status Equifaxs combination of : Closed Account, Repeated Charge Off codes from XXXX through XXXX, and No Data Available gaps, produces a false representation of my financial behavior. 

Under the FCRA and the CFPBs guidance, credit bureaus must not present misleading or incomplete information that could mislead creditors. 
The account is being displayed in a way that suggests ongoing delinquency even though the account was closed years ago. 

6. Supporting Case Law Courts have repeatedly held credit bureaus accountable for exactly this type of negligent and inaccurate reporting : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that a credit bureau violates the FCRA when it fails to conduct a reasonable reinvestigation and simply parrots data from a furnisher. 

XXXX XXXX XXXX, XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Found that XXXX  continued reporting of inaccurate account information after being notified was willful under the FCRA. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Established that reporting misleading or confusing information can constitute an inaccuracy under 1681e ( b ). 

XXXX v. Equifax Information Services LLC, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The jury awarded damages where Equifax failed to maintain accurate procedures and continued reporting errors despite notice. 

Each of these rulings shows that Equifaxs handling of my XXXX  account meets the same pattern of inaccuracy and negligent verification. 

7. Requested Resolution Because Equifaxs reporting of this account : Omits mandatory data ( DOFD ), Reports contradictory payment history, Displays unverifiable and misleading entries, and Appears to re-age or extend a closed account, I am requesting complete deletion of the XXXX XXXX XXXX account ending XXXX from my Equifax credit file. 

A correction is not acceptable because the entire account record is structurally unreliable. Any continued reporting would be misleading to lenders and harmful to my credit standing.

8. Relief Requested Immediate deletion of the XXXX XXXX XXXX tradeline from my Equifax report. 

Written confirmation of deletion sent to my mailing address. 

Referral of this matter for compliance review and supervisory action under CFPB authority. 

Supporting Evidence I have attached a screenshot ( titled XXXX XXXX XXXX Equifax Report XXXX ) that clearly displays the inaccurate, missing, and contradictory information described above.

Company response to consumer: Closed with non-monetary relief