Consumer complaint received 2025-08-12 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: TN

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and misleading information on multiple accounts in my credit file. Several accounts have been paid in full or have a {$0.00} balance, yet Equifax continues to display derogatory statuses such as Charge-off, Charged off as bad debt, or Account closed by credit grantor, which implies ongoing delinquency. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported by consumer reporting agencies must be accurate and not misleading. Reporting an account as charged-off after it has been fully paid and closed is materially misleading because it suggests I still owe the debt or remain in default. 

Below are the affected accounts : XXXX XXXX XXXX # XXXX Balance : {$0.00} Status : Charge-off despite being paid in full on XX/XX/XXXX. 

Request : Remove charge-off remark ; update to XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Status : Pays account as agreed, but account is closed and reflects no usage since XX/XX/XXXX. 

Request : Confirm status as Paid/Closed with no negative notation. 

XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} ( paid down ) Status : Charge-off despite account updates and {$0.00} past due amount. 

Request : Remove charge-off status and reflect accurate payment history. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Status : Pays account as agreed but closed ; fully paid. 

Request : Confirm as Paid/Closed and remove any negative code. 

XXXX XXXX XXXX XXXX XXXX XXXXance : {$0.00} Status : Too new to rate ; Approved but not used. 

Request : Confirm closure with {$0.00} balance and no negative reporting. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} Status : Not more than XXXX payments past due with remark Account closed by XXXX XXXX. 

Request : Remove negative status and update as Closed by consumer or accurate neutral closure status. 

XXXX XXXX XXXX # XXXX Balance : {$0.00} Status : Paid charge-off despite being settled in full in XX/XX/XXXX. 

Request : Remove charge-off remark and reflect as Paid/Closed. 

XXXX XXXX XXXX  Balance : {$0.00} Status : Pays account as agreed but closed ; needs final update for closure with {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Status : Not more than XXXX payments past due despite being paid in full. 

Request : Remove negative history and mark as Paid/Closed. 

XXXX XXXX XXXXXXXX Balance : {$0.00} Status : Charged off as bad debt despite full payoff on XX/XX/XXXX. 

Request : Remove charge-off remark and update to XXXX. 

I have disputed these directly with Equifax and provided proof of payment, but the inaccurate statuses remain. 

I am requesting that Equifax immediately : Remove the Charge-off and other derogatory remarks from all {$0.00} balance accounts that have been paid. 

Update the status to XXXX or XXXX as agreed to reflect accurate reporting. 

Provide written confirmation once the corrections are made. 

Attached are screenshots from my Equifax report and proof of payment/closure for the affected accounts.

Company response to consumer: Closed with non-monetary relief