Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite more than a year of formal disputes, Equifax continues to report inaccurate, unverifiable, outdated, and duplicate accounts on my credit file. 
Each of these accounts violates multiple FCRA sections, including 607 ( b ) ( failure to ensure maximum possible accuracy ), 611 ( a ) ( failure to conduct reasonable reinvestigations ), 623 ( a ) ( 5 ) ( illegal re-aging ), and 605 ( a ) ( 4 ) ( reporting beyond the 7-year limit ). 

Below is a breakdown of each account and the specific violations : XXXX XXXX Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX This account is over 7 years old and should have been removed under FCRA 605 ( a ) ( 4 ). Equifax continues to re-age it by updating the Last Reported date to XXXX. The account is being reported as active when it should be obsolete. 
Equifax has failed to provide verification from the furnisher and continues to verify the account without evidence, violating 611 ( a ) and 607 ( b ). 



XXXX. XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX This account was charged off and sold to XXXX XXXX, which Equifax also reports separately. Reporting both the original and collection versions of the same debt is duplicate reporting, violating 607 ( b ). 
Equifax has re-aged this account by updating it years after the XXXX delinquency, a violation of 623 ( a ) ( 5 ). This item is unverifiable and time-barred under 605 ( a ) ( 4 ). 



XXXX. XXXX XXXX XXXX XXXX : {$680.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXXXXXX XXXX is reporting a duplicate debt already listed under XXXXXXXX XXXX The Date Opened is after the last payment date, which is factually impossible. 
This is clear re-aging and false reporting under 623 ( a ) ( 5 ) and 607 ( b ). Equifax has not provided any proof of ownership or validation from the furnisher despite repeated disputes ( 611 ( a ) ). 



XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX : {$960.00} | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX This account is beyond the 7-year reporting period and has been illegally re-aged. The continued XXXX reporting violates 605 ( a ) ( 4 ) and 623 ( a ) ( 5 ).

Equifax failed to verify or delete this account after numerous disputes, in violation of 611 ( a ). The charge-off status is inconsistent with other bureaus, violating XXXX ( b ). 



XXXX. XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Balance : {$1900.00} | Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX This collection stems from an old Macys account that should have been deleted when XXXX purchased it. 
Equifax is allowing double reporting of the same debt XXXX XXXX and XXXX XXXX ), violating 607 ( b ). The account shows a recent reporting date of XXXX even though the underlying delinquency is much older another case of illegal re-aging ( XXXX ( a ) ( XXXX ) ). 



XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX XXXX. ) Balance : {$960.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX Equifax lists a Date of Last Payment that predates the open date, which is not possible and violates 607 ( b ) for accuracy.

This account is past the 7-year limit from delinquency, and its constant updates constitute re-aging under 623 ( a ) ( 5 ). 
Despite disputes, Equifax keeps verifying this account without proof, violating 611 ( a ). 



XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Balance : {$990.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX This tradeline contains contradictory information it shows the account opened in XXXX, but the last payment was made in XXXX. That is chronologically impossible and demonstrates inaccurate reporting ( 607 ( b ) ).

The account is being kept active through constant updates, amounting to re-aging and failure to maintain accuracy under 623 ( a ) ( 5 ) and 607 ( b ). No verification has ever been provided ( 611 ( a ) ). 



XXXX. XXXX XXXX XXXX XXXX : {$3000.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX This account is well beyond the allowable 7-year limit for reporting and has been repeatedly refreshed with XXXX dates, showing illegal re-aging under 623 ( a ) ( 5 ). 
XXXX is also reporting an inaccurate balance and inconsistent account type information, violating 607 ( b ). 
Equifax has failed to remove or correct this item despite prior disputes ( 611 ( a ) ). 



XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Balance : {$720.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX This account lists a last payment date that predates its open date by XXXX years a factual impossibility. 
The XXXX reporting date proves illegal re-aging, and the continued inclusion after repeated disputes violates 611 ( a ) and 607 ( b ). 
Equifax continues publishing unverifiable and inconsistent data that damages my creditworthiness. 



XXXX XXXX XXXX XXXX : {$720.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX This appears to be a duplicate of XXXX XXXX XXXX XXXX making it a false double entry of the same account. 
Duplicate reporting inflates derogatory data and violates 607 ( b ) ( accuracy ) and 611 ( a ) ( failure to correct after dispute ). 
The re-aged XXXX date again violates 623 ( a ) ( 5 ) and 605 ( a ) ( 4 ). 



XXXX. Portfolio Recovery ( XXXX XXXX  Variant ) Balance : {$710.00} | Date Opened : XX/XX/XXXX | Date of Last Payment : XX/XX/XXXX | Last Reported : XX/XX/XXXX This account is beyond the XXXX limit, and the dates are inconsistent. The Date of Last Payment of XXXX makes this account obsolete, but Equifax continues to re-age it. 
No proof of ownership or validation was provided despite multiple disputes, violating 611 ( a ). 
XXXX constant re-reporting to extend the life of this account is a clear 623 ( a ) ( 5 ) violation.

Summary Equifax has engaged in a consistent pattern of negligence, re-aging, and noncompliance with the FCRA.

They are re-aging old accounts to make them appear newer ( 623 ( a ) ( 5 ) ).

They have failed to ensure maximum possible accuracy ( 607 ( b ) ).

They have failed to perform proper reinvestigations ( 611 ( a ) ).

They are reporting obsolete accounts that exceed the 7-year limit ( 605 ( a ) ( 4 ) ).

They have allowed duplicate and misleading reporting on multiple accounts.

This has caused serious harm to my credit reputation and financial opportunities. I have made every reasonable effort to resolve these disputes directly with Equifax, but they continue to publish false and unverifiable information in violation of federal law.

Company response to consumer: Closed with non-monetary relief