Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA,XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX. XXXX, TX XXXX Formal Dispute Under 15 U.S.C. 1681b Inaccurate Account Reporting ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following inaccurate and misleading information on my credit report under XXXX XXXX  15 U.S.C. 1681b XXXX XXXX and XXXX XXXX  15 U.S.C. 1681c XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ). The details for XXXX XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX  are incorrectly reported, and I demand an immediate investigation and correction. 

XXXX XXXX XXXX XXXX XXXX  Dispute Details XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Charge-Off Status ( " Paid in Settlement '' ) XXXX XXXX XXXX The account is inaccurately labeled as " Paid in settlement '' with XXXX XXXX  {$12000.00} written off XXXX XXXX  despite being resolved per a lawful agreement. 
XXXX XXXX XXXX FCRA 1681c ( f ) XXXX XXXX  requires that settled accounts must be reported accurately and not as a charge-off if terms were fulfilled. 

XXXX XXXX XXXX  Erroneous Payment History ( XXXX XXXX XXXX' and Late Payments ) XXXX XXXX XXXX The payment history shows XXXX XXXX  charge-offs XXXX XXXX XXXX XXXX XXXX from * * XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX, etc. XXXX XXXX which is XXXX XXXX duplicative and misleading XXXX XXXX 
- The XXXX XXXX 150-day late ( XX/XX/XXXX ), 90-day late ( XX/XX/XXXX ), and 60-day late ( XX/XX/XXXX ) * * marks are XXXX XXXX  inconsistent XXXX XXXX with the actual payment history. 

XXXX XXXX XXXX Reporting Beyond Permissible Timeframe XXXX XXXX XXXX  The account is XXXX XXXX scheduled to remain until XX/XX/XXXXXXXX XXXX XXXX but : XXXX XXXX XXXX FCRA 1681c ( a ) ( 4 ) XXXX XXXX limits charge-offs to XXXX XXXX  7 years XXXX XXXX  from the first delinquency ( likely XXXX XXXX XXXX XXXX XXXX XXXX 
- If the account was settled, the XXXX XXXX  7-year period should start from the original delinquency date XXXX XXXX, not the settlement date. 

XXXX XXXX XXXX XXXX XXXX  Requested Actions : XXXX XXXX XXXX XXXX XXXX Correct or delete XXXX XXXX  the charge-off status to reflect the actual resolution. 
XXXX XXXX XXXX  Remove all duplicate and inaccurate late payments XXXX XXXX  ( e.g., multiple " XXXX  '' entries ). 
XXXX XXXX XXXX Verify the permissible purpose XXXX XXXX  for retaining this account beyond the FCRAs reporting window. 
- Provide XXXX XXXX documentation * * of the original delinquency date to confirm compliance with XXXX XXXX  1681c ( a ) ( 4 ) XXXX XXXX 

Under XXXX XXXX  15 U.S.C. 1681i XXXX XXXX you are required to investigate this dispute within XXXX XXXX  30 days XXXX XXXX  and provide a written response. If the information is found inaccurate, it must be * * corrected, updated, or deleted XXXX XXXX immediately. 

Please send me an updated credit report and a summary of the resolution. If this dispute is ignored, I reserve the right to escalate this matter to the XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under FCRA 1681n XXXX XXXX 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation