Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
FORMAL CREDIT REPORT DISPUTE FCRA / XXXX XXXX VIOLATION NOTICE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX SSN Last XXXX : XXXX XX/XX/XXXX Equifax Consumer Dispute Center Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Credit Reporting Account # XXXX | North Carolina XXXX XXXX Deposit Account w/ Overdraft Protection ) Notice of Dispute To Whom It May Concern at Equifax Information Services , LLC : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing the accuracy of a tradeline appearing on my credit report. The account identified above contains multiple violations of federal law, including internal data inconsistencies, missing required fields, and irreconcilable field conflicts that render this tradeline materially inaccurate. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation within XXXX days of receiving this dispute. Under FCRA 623, the furnisher is obligated to report only complete and accurate information. The violations enumerated below demonstrate that neither standard has been met. I request that each violation be investigated and resolved as specified. Account Identification Creditor / Furnisher XXXX XXXX XXXX Account Number XXXX Account Type Deposit Account with Overdraft Protection Account Status Reported CLOSED_CHARGE-OFF Date Opened XX/XX/XXXX Account Last Verified XX/XX/XXXX Balance Owed {$0.00} High Balance XXXX XXXX Days Late ( XX/XX/XXXX ) XXXX / XXXX / XXXX ( per XXXX history ) Reported Payment Status Current ( DISPUTED see Violation # XXXX ) Reported Account Rating Payment after charge off/collection ( DISPUTED see Violation # XXXX ) Enumerated Violations and Requested Actions The following violations have been identified in the reported tradeline data. Each violation is cited with the applicable statute and XXXX XXXX field reference, along with the specific corrective action required. XXXX CRITICAL : Payment Status Contradicts Account Status Statute : FCRA 623 ( a ) ( 1 ) | XXXX XXXX : Payment Rating Field Account Status is reported as CLOSED_CHARGE-OFF, yet Payment Status is simultaneously reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; These XXXX designations are mutually exclusive. A charged-off account can not lawfully carry a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; payment status. This constitutes a material inaccuracy in violation of the furnisher XXXX XXXX XXXX XXXX XXXX obligation to report only accurate information. Requested Action : Immediately correct or delete this tradeline. If correction is chosen, the XXXX XXXX must reflect the charge-off ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Failure to resolve this internal contradiction constitutes a failure to conduct a reasonable investigation under FCRA 1681i ( a ) ( 1 ). XXXX CRITICAL : Account Rating Unsupported by Reported Payment History Statute : FCRA 623 ( a ) ( 1 ) | XXXX XXXX : Account Status / Account Rating Fields The Account Rating reports XXXX XXXX XXXX XXXX Payment after charge off/collection, XXXX XXXX XXXX XXXX which implies a prior delinquency history. However, the XXXX payment history shows XXXX days late at XXXX, XXXX, and XXXX intervals. A charge-off rating is not supportable when the furnisher simultaneously reports no delinquencies. These fields are irreconcilably inconsistent. Requested Action : Provide the complete delinquency history that substantiates the Account Rating, or delete this tradeline. The furnisher can not report a charge-off rating without a corresponding delinquency timeline. If delinquency records do not exist, the Account XXXX is fabricated and must be removed. XXXX CRITICAL : Missing Date of Last Payment XXXX Unverifiable Statute : FCRA 605 ( c ) | XXXX XXXX : Date of Last Payment Field The Date of Last Payment field is blank. For charge-off accounts, the Fair Credit Reporting Act ties the XXXX reporting limitation to the Date of First Delinquency XXXX XXXX ), which is directly derived from the last payment date. The absence of this field makes it impossible to verify whether this account remains within its legally permissible reporting window. The Account XXXX date of XX/XX/XXXX does not substitute for the Date of Last Payment. Requested Action : Provide the Date of Last Payment and Date of First Delinquency in writing. If the furnisher can not provide both, this tradeline must be deleted, as the XXXX reporting period can not be verified and continued reporting may constitute reporting of obsolete information under FCRA 605 ( a ). XXXX WARNING : Credit Limit Omitted on Overdraft-Protection Account Statute : XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX This account is classified as a XXXX XXXX XXXX ; Deposit Account with Overdraft ProtectionXXXX XXXX XXXX XXXX XXXX Overdraft protection functions as an open-end revolving credit line. XXXX XXXX format requires either a XXXX XXXX or XXXX XXXX amount for revolving and open-end accounts. No XXXX XXXX is reported, yet a XXXX XXXX of {$24.00} is present, confirming that credit draws occurred. The absence of a XXXX XXXX renders the account XXXX XXXX XXXX XXXX XXXX utilization ratio incalculable and misleading to credit scoring models. Requested Action : Report the applicable Credit Limit or confirm in writing that no credit limit exists. If no credit limit exists, the account type classification must be corrected, as overdraft protection without a defined limit may itself be a misclassification under XXXX XXXX reporting standards. XXXX WARNING : Term Length Reported as XXXX with No Supporting Data Statute : XXXX XXXX : Terms Duration Field Term Length is reported as 0 months. Simultaneously, Payment Frequency, Credit Limit, and Payment Amount are all blank or XXXX. The combination of these omissions makes it impossible to verify the nature and terms of this account. If any overdraft draws were treated as short-term credit obligations, a XXXX term is inaccurate for that portion of account activity. Requested Action : Confirm the account terms in writing. If multiple fields can not be substantiated, the totality of the data deficiencies constitutes a failure to maintain maximum possible accuracy under FCRA 1681e ( b ). XXXX NOTE : Truncated Account Description Possible Joint Account Compliance Issue Statute : FCRA 623 ( a ) ( 1 ) | XXXX XXXX : Consumer Information Indicator The Account Description field reads XXXX XXXX XXXX ; Joint account, Open XXXX XXXX XXXX XXXX ; and is truncated. If this account is a joint account, FCRA requires that all account holders XXXX XXXX XXXX ; payment history be reported identically by the furnisher. This consumer requests confirmation of the complete Account Description and, if joint, verification that all co-holders XXXX XXXX XXXXXXXX ; tradeline data is identical. Requested Action : Provide the complete, untruncated Account Description. If this is a joint account, provide written confirmation that the co-holder XXXX XXXX XXXX XXXX XXXX tradeline reflects identical information. Any discrepancy between co-holder reports constitutes an independent FCRA violation. Legal Demand and Response Deadline Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I demand that you complete your reinvestigation within 30 days of receipt of this letter. Upon completion of your investigation, you are required under FCRA 611 ( a ) ( 6 ) to provide me with written notice of the results, including the name, address, and telephone number of the furnisher contacted. If the reinvestigation does not resolve the violations identified above, I reserve all rights under FCRA 616 and 617 to pursue civil liability against both the consumer reporting agency and the furnisher for willful or negligent noncompliance, including actual damages, statutory damages of {$100.00} {$1000.00} per violation, punitive damages, and attorney XXXX XXXX XXXX ; XXXX fees. If this tradeline can not be verified as fully accurate and compliant in all fields, it must be deleted from my credit report pursuant to FCRA 611 ( a ) ( 5 ) ( A ). Summary of Requested Resolutions XXXX. Delete the tradeline in its entirety if the furnisher can not resolve all field inconsistencies and provide complete documentation ; XXXX XXXX. Correct all inaccurate fields to achieve full XXXX XXXX compliance and internal consistency ; AND XXXX. Provide the Date of Last Payment and Date of First Delinquency in writing ; AND XXXX. Confirm in writing whether this is a joint account and provide co-holder reporting details ; AND XXXX. Provide written results of the reinvestigation within 30 days of receipt of this dispute. Certification I certify that the information contained in this dispute is true and accurate to the best of my knowledge. Copies of supporting documentation are enclosed where applicable. This letter is submitted via certified mail with return receipt requested. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation