Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Repeated Charge-Off Reporting & Improper Payment History Updates This account was charged off on the following date no later than XXXX ( first charge-off status reflected in the account history ). Since that time, the account has been repeatedly updated as charged off every month, including through XX/XX/XXXX. 

This constitutes an impermissible update to the payment history. 

A charged-off account should NOT include an active or ongoing payment history. Once an account reaches charge-off status ( 180 days delinquent ), the account is complete and static. No further monthly updates, balance changes, or status updates are permitted. 

This inaccurate reporting falsely manipulates the statute of limitations, constitutes illegal re-aging, and demonstrates that the prior investigations were not reasonable. 

You failed to investigate this account properly, and your neglect has violated my rights under federal and state law. 

I am demanding immediate deletion of the following accounts : ACCOUNTS DEMANDED FOR DELETION Experian : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Equifax : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX TransUnion : XXXX XXXX Account # : XXXX XXXX  / XXXX  Account # : XXXX ADDITIONAL CHARGE-OFF INACCURACIES PRESENT The following inaccuracies apply to these accounts : Failure to properly disclose whether the accounts were sold or transferred Failure to reflect a true XXXX dollar balance after charge-off Improper monthly charge-off status updates Illegal re-aging of the Date of First Delinquency The Date of First Delinquency must reflect the first 30-day late payment It may not be reset or extended by later status updates APPLICABLE FEDERAL & GEORGIA LAW ( DIRECT QUOTES ) Identity Theft & Blocking Requirement 15 U.S.C. 1681c-2 ( a ) states : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of such information.

Reinvestigation & Accuracy Requirements 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information.

Furnisher Prohibitions 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Georgia Fair Business Practices Act O.C.G.A. 10-1-393 ( b ) ( 2 ) : The act, use, or employment of any deception, deceptive act, or practice in connection with consumer transactions is declared unlawful.

O.C.G.A. 10-1-399 ( a ) : Any person who suffers injury or damages as a result of an unfair or deceptive act or practice may bring an action to recover damages.

Company response to consumer: Closed with explanation