Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # XXXX Inaccuracies and Issues 1. Late Payment Reporting Payment History : o XXXX : " CO '' ( Charge Off ) for several months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
o XXXX : " OK '' ( on-time ) for the same months. 
o Equifax : " OK '' ( on-time ) for the same months. 
XXXX reports " Charge Off '' for recent months ( XXXX XXXX ), while XXXX and Equifax report " OK '' ( on-time ). This discrepancy may indicate incorrect reporting by XXXX. 
2. High Credit Discrepancy High Credit : o XXXX : {$20000.00} o XXXX  : {$20000.00} o Equifax : {$7200.00} Equifax reports a significantly lower High Credit amount compared to XXXX and XXXX. 
3. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o XXXX  : XX/XX/XXXX o Equifax : XX/XX/XXXX XXXX reports an earlier Last Reported Date compared to XXXX and Equifax. This suggests that XXXX may not have updated the account information. 
4. Date Last Active Discrepancy Date Last Active : o XXXX : XX/XX/XXXX o XXXX : XX/XX/XXXX o Equifax : XX/XX/XXXX There is inconsistency in the reported Date Last Active across the bureaus, with Equifax reporting the earliest date. 
5. Comments Section Comments : o XXXX : " Payment after charge off/collection. Settled - less than full balance. '' o XXXX : " Account legally paid in full for less than the full balance. Unpaid balance reported as a loss by credit grantor. '' o Equifax : " Settlement accepted on this account. Paid charge off. '' Comments are inconsistent across the three bureaus, leading to possible confusion for lenders. 

Summary of Inaccuracies Field XXXX XXXX Equifax Issue Late Payments ( XXXX ) CO XXXX XXXX XXXX reports Charge Off, while others report on-time payments. 
XXXX XXXX {$20000.00} {$20000.00} {$7200.00} Equifax reports a significantly lower XXXX XXXX. 
Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an outdated Last Reported Date. 
Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax reports an earlier Date Last Active compared to the others. 
Comments '' Settled ... '' '' Legally paid ... '' '' Settlement accepted '' Comments are inconsistent across bureaus. 




XXXX XXXX Account # XXXX Inaccuracies and Issues 1. Late Payment Reporting XX/XX/XXXX : o XXXX : OK ( on-time ) o XXXX : OK ( on-time ) o Equifax : 30 Days XXXX XX/XX/XXXX : o XXXX : OK ( on-time ) o XXXX : OK ( on-time ) o Equifax : 60 Days Late XX/XX/XXXX : XXXX XXXX : OK ( on-time ) o XXXX XXXX OK ( on-time ) o Equifax : 90 Days Late Equifax reports 30, 60, and 90 Days Late for XXXX XXXX XXXX, and XX/XX/XXXX, respectively, while XXXX and XXXX show " OK '' ( on-time ) for the same months. This discrepancy suggests potential inaccuracies in Equifax 's reporting. 
2. High Credit and Credit Limit Discrepancy High Credit : o XXXX : {$12000.00} o XXXX  : {$12000.00} o Equifax : {$11000.00} Credit Limit : o XXXX and XXXX : {$11000.00} o Equifax : {$11000.00} The High Credit reported by Equifax is lower than that reported by XXXX and XXXX. 
3. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o XXXX  : XX/XX/XXXX o Equifax : XX/XX/XXXX Equifax reports an earlier Last Reported Date compared to XXXX and XXXX, which may indicate outdated information., a dispute with Equifax to align the reporting. 
4. Comments Section Comments : o XXXX : " Paying partial payment agreement. '' o XXXX : " Closed or paid account/XXXX  balance. '' o Equifax : " Paying under a partial payment agreement. '' Comments are inconsistent across the three bureaus, which could cause confusion for lenders. 
Field XXXX XXXX Equifax Issue Late Payments ( XXXX ) OK OK 30, 60, 90 Days Late Equifax reports late payments while others report on-time payments. 
High Credit {$12000.00} {$12000.00} {$11000.00} Equifax reports a lower High Credit compared to other bureaus. 
Last Reported Date XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax reports an earlier Last Reported Date. 
Comments '' Partial payment ... '' '' Closed or paid ... '' '' Partial payment ... '' Comments are inconsistent across bureaus. 




XXXX XXXX Account # XXXX Inaccuracies and Issues 1. Late Payment Reporting XX/XX/XXXX : o XXXX : 30 Days Late o XXXX : OK ( on-time ) o Equifax : OK ( on-time ) XX/XX/XXXX : o XXXX : OK ( on-time ) o XXXX  : OK ( on-time ) o Equifax : 30 Days Late XXXX reports 30 Days Late for XX/XX/XXXX, while XXXX and Equifax report " OK '' ( on-time ) . Equifax reports 30 Days Late for XX/XX/XXXX, while XXXX and XXXX report " OK. '' 2. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o Experian : Not Reported o Equifax : XX/XX/XXXX Equifax reports a later Last Reported Date than XXXX, while XXXX does not display any Last Reported Date. 
3. Comments Section Comments : o XXXX : " Settled - less than full balance. '' o XXXX : No comments. 
o Equifax : " Settlement accepted on this account. Closed or paid account/XXXX balance. '' Comments are inconsistent across the three bureaus, which may confuse potential lenders. 
4. Payment Status Reported Payment Status : o XXXX : Late 60 Days o XXXX : Paid o Equifax : Late 60 Days XXXX reports the account as " Paid, '' while XXXX and Equifax report " Late 60 Days. '' This discrepancy indicates inconsistent reporting. 
Field XXXX XXXX Equifax Issue Late Payments ( XX/XX/XXXX ) 30 OK OK XXXX reports late payment, while others report on-time payments. 
Late Payments ( XX/XX/XXXX ) OK OK 30 Equifax reports late payment, while others report on-time payments. 
Last Reported Date XX/XX/XXXX Not Reported XX/XX/XXXX Equifax reports a later date, while XXXX provides no date. 
Comments '' Settled ... '' None '' Settlement accepted '' Comments are inconsistent across bureaus. 
Payment Status Late 60 Days Paid Late 60 Days XXXX reports " Paid, '' while others report " Late 60 Days. '' Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 
2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 
3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years. 
4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.

Company response to consumer: Closed with non-monetary relief