Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX Credit Bureaus XXXX. Incorrect Account Status XXXX. Missing or Conflicting XXXX XXXX. Potential Duplicate Reporting XXXX. Incorrect " Date Opened '' Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX. Date Discrepancy ( " Last Reported '' vs. " Payment Status '' ) XXXX. Payment Status Inconsistencies XXXX. Account Balance and Payment Terms XXXX. " Consumer Disputes - Reinvestigation in Progress '' ( Experian/Equifax ) XXXX. Reporting of Payment Terms XXXX. High Credit and Credit Limit XXXX XXXX XXXX Account XXXX vs. XXXX XXXX XXXX. Contradiction in Payment Terms XXXX. XXXX XXXX vs. XXXX XXXX XXXX. Payment History and Comments XXXX. Date Last Active XXXX. Overall Reporting of the Charge-Off XXXX. Contradictory Monthly Payment : The account is closed with a {$0.00} balance, but a $ 379 monthly payment is still being reported. This is incorrect for a closed account. 
XXXX. " Paid profit and loss '' Comment : This indicates the account was charged off and later paid, which is very damaging to your credit. If this is inaccurate, you should dispute it. 
XXXX. Payment History Issue : The " Payment after charge off/collection '' status conflicts with the {$0.00} balance and closed status. 
XXXX. Potential Inaccuracy in Dates : If you made payments after XX/XX/XXXX, the " Date Last Active '' should reflect the most recent payment date. I request that you investigate these discrepancies and correct or remove any inaccurate information. If the information can not be verified, I ask that the account be removed from my credit report entirely XXXXXXXX XXXX Account Details Provided Account Type : Installment account Account Type - Detail : Individual account Bureau Code : XXXX Account Status : Closed Monthly Payment : {$520.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : Not listed High Credit : Not listed Credit Limit : Not listed Past Due : {$0.00} Payment Status : Paid or paying as agreed XXXX. Monthly Payment on a Closed Account XXXX. Missing or Incomplete Information XXXX. Account Status and Payment Status XXXX. Potential Reporting Errors Across Bureaus XXXX. Date Opened and Payment History XXXX XXXX XXXX. Duplicate Reporting of the Same Debt FCRA Section 609 requires that credit reports contain accurate information. Reporting the same debt twice can mislead lenders and artificially inflate your total debt, which may harm your credit score. 
XXXX. Inconsistent or Inaccurate Information XXXX. Failure to Update the Account Status XXXX. Failure to Conduct a Proper Investigation ( If You Disputed the Errors ) XXXX. Misleading or Harmful Reporting Practices XXXX XXXX XXXX XXXX Inconsistent Reporting Across XXXX : XXXX. Incorrect Reporting of Payment History XXXX. Future Reporting Date ( Equifax ) : Ambiguity in Account Information : Potential Duplicate Reporting : Accuracy of Information ( FCRA XXXX ( b ) ) : Duty to Correct Inaccuracies ( FCRA 611 ) : Reporting of Accurate Payment History ( FCRA 623 ( a ) ( 1 ) ( A ) ) : Duplicate Reporting : Misleading or Incomplete Information : XXXX XXXX Inconsistent Reporting Across Bureaus XXXX XXXX. Incorrect Reporting of Payment History XXXX. Future Reporting Date ( Equifax ) : Ambiguity in Account Information : Potential Duplicate Reporting : Accuracy of Information ( FCRA 607 ( b ) ) : Duty to Correct Inaccuracies ( FCRA 611 ) : Reporting of Accurate Payment History ( FCRA 623 ( a ) ( 1 ) ( A ) ) : Duplicate Reporting : Misleading or Incomplete Information : XXXX XXXX BA Payment Status Discrepancies : Potential Violation : This may violate FCRA 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. 
Balance Discrepancies : Potential Violation : This may violate FCRA 623 ( a ) ( 1 ) ( A ), which requires creditors to report accurate information to the credit bureaus.

Account Status Inconsistencies : Potential Violation : This inconsistency may violate both FCRA 607 ( b ) ( accuracy of information ) and FCRA 623 ( a ) ( 1 ) ( A ) ( creditor 's duty to report accurate information ). 
Date of Last Activity Discrepancies : Account Type and Details : Last Reported Date Discrepancy : FCRA 607 ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The discrepancies in payment status, balance, account status, dates, and account type suggest that this requirement is not being met.

FCRA 623 ( a ) ( 1 ) ( A ) : Creditors ( or data furnishers ) must provide accurate information to the credit bureaus. If the creditor is reporting inconsistent or inaccurate information, they may be in violation of this section.

FCRA 611 : If you dispute these inaccuracies, the credit bureaus and the creditor are required to investigate and correct the errors within 30 days. Failure to do so would constitute a violation. 
XXXX XXXX XXXX  Account Status and Payment Status Inconsistencies FCRA 607 ( b ), which requires credit reporting agencies to report accurate information.

Date of Last Activity ( DLA ) and Last Reported Date Discrepancies Balance and Past Due Amount Account Type and Details Comments and Dispute Status High Credit and Credit Limit FCRA 607 ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The inconsistencies in the Date of Last Activity, Last Reported Date, and account type may violate this section. 
XXXX XXXX XXXX Inconsistencies Between Credit Bureaus Account Status Confusion Past Due Reporting Failure to Update Information Potential Impact on Credit Score Consumer Financial Protection Bureau XXXX CFPB ) Regulations Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) XXXX XXXX Inconsistencies Between Credit Bureaus Reporting a Balance on a Closed Account Past Due Status Duplicate or Incorrect Account Type Failure to Update Information Potential Impact on Credit Score Relevant Laws XXXX. Fair Credit Reporting Act ( FCRA ) XXXX. Fair Debt Collection Practices Act ( XXXX. XXXX. FDCPA ) Consumer Financial Protection Bureau ( CFPB ) Regulations XXXX XXXX XXXX XXXX  XXXX Account Status XXXX. Dates XXXX. Payment History XXXX. Account Type XXXX. Balance and High Credit XXXX. Comments Accuracy of Information ( 1681e ( b ) ) XXXX. Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) XXXX. Disputed Information ( 1681i ) XXXX. Adverse Information Reporting ( 1681c ) XXXX. Consumer Notification and Transparency ( XXXX ) XXXX XXXX XXXX XXXX. XXXX Dates XXXX. XXXX and XXXX XXXX XXXX. Account XXXX XXXX. Comments XXXX. Reporting Errors Across Bureaus Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) Transparency and Consumer Rights ( 1681g ) Impact on Creditworthiness ( 1681i ) Potential Fraud or Misrepresentation CURRENT XXXX. XXXX Dates XXXX. Inconsistent Information Across Bureaus XXXX. Missing or Incomplete Information XXXX. Account Type and Status Confusion XXXX. Potential Misrepresentation of Current Status CURRENT XXXX. Future Dates XXXX. Inconsistent Information Across Bureaus XXXX. Missing or Incomplete Information XXXX. Account Type and Status Confusion XXXX. Potential Misrepresentation of Current Status XXXX XXXX XXXX XXXX XXXX Inconsistent Dates XXXX. Duplicate or Conflicting Account Information XXXX. Unclear or Missing Data XXXX. Potential Identity Theft or Fraud XXXX. Failure to Correct Errors XXXX  XXXX. Inconsistent Dates XXXX. Duplicate or Conflicting Account Information XXXX. Unclear or Missing Data XXXX. Potential Identity Theft or Fraud XXXX. Failure to Correct Errors XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX BANK N.A. ) Inconsistencies in Account Type and Details Inconsistencies in Payment Status Duplicate or Conflicting Account Numbers Balance and Past Due Amount High Credit or Credit Limit Account Status and Ownership Potential Re-aging of the Account XXXX XXXX XXXX. Account Type and Inconsistent Reporting XXXX. Account Status and Payment Status XXXX. Inaccurate Dates XXXX. Balance and Past Due Amount XXXX. High Credit and Credit Limit XXXX. Monthly Payment and Terms FCRA XXXX : If you dispute these inaccuracies, the credit bureaus are required to investigate and correct them. Failure to do so would be a violation. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Inaccurate reporting could potentially fall under UDAAP, which is enforced by the Consumer Financial Protection Bureau ( CFPB ). 
XXXX XXXX Future Dates for Account Information Inconsistent Account Status Ambiguous Payment Information High Credit and Credit Limit Inconsistent Reporting Across Bureaus Account Type Details XXXX XXXX Dates for Account Information Inconsistent Account Status Ambiguous Payment Information High Credit and Credit Limit Inconsistent Reporting Across Bureaus Date Last Active and Last Reported XXXX  Future Dates for Account Information Account Status Inconsistency High Credit and Credit Limit Misrepresentation High Credit and Credit Limit Misrepresentation Inconsistent Payment Information XXXX Future Dates for Account Information : Account Status Inconsistency : High Credit and Credit Limit Misrepresentation : payment information balance reporting XXXX Account Status Inconsistency : balance reporting payment status monthly payment date open XXXX Missing or Incorrect Dates : The " Date Opened '' is not explicitly provided, which is crucial for understanding the account 's history. The " Last Reported '' date appears to be in the future ( XX/XX/XXXX ), which is not possible for a past account. Pass due amount payment status Bureau Code : The Bureau Code is not fully filled out, which may lead to confusion about which credit bureau is reporting the information. Like clarity on account type. Comments section potential violation of the FCRA Consumer rights Lack of clarity on terms After reviewing my credit report, I have identified several inconsistencies and potential violations of the Fair Credit Reporting Act ( FCRA ) that I would like to bring to your attention. I request an immediate investigation into the accuracy of this account and its reporting. Below, I have outlined the specific issues :

Company response to consumer: Closed with explanation