Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing materially inaccurate, incomplete, and illegally re-aged information on my Equifax credit report regarding a closed auto lease account. 
The account is from XXXX but XXXX is reporting monthly updates in XXXX, increasing the balance, adding past-due amounts, and publishing internal system codes. 

This violates the FCRA, FDCPA, XXXX XXXX reporting standards, and CFPB XXXX guidelines. 

I am requesting full deletion of the XXXX account from all bureaus because the data is fundamentally corrupted and can not be corrected. 

Violations and Evidence ( XXXX ) XXXX Is Illegally Adding Interest & Increasing the Balance After Charge-Off Evidence from my Equifax report XXXX : Balance XX/XX/XXXX : {$8900.00} Balance XX/XX/XXXX : {$9000.00} Balance XX/XX/XXXX : {$9000.00} Past Due = {$9000.00} The original charge-off amount was {$4600.00}, meaning XXXX has more than XXXX the balance after DOFD ( XX/XX/XXXX ) and after the account was closed. 

This is illegal. 

Violations : FDCPA 808 ( 1 ) adding unauthorized interest or charges FCRA 623 ( a ) ( 1 ) reporting inaccurate balance XXXX XXXX Auto Lease Rules charge-off balance must freeze UDAAP Unfair or deceptive acts prohibited by the CFPB ( XXXX ) Illegal Double Reporting : Charge-Off + Past Due Equifax shows the account XXXX : CHARGE_OFF Past Due Amount : {$9000.00} ( matches balance ) A charged-off account can not simultaneously carry a past due amount. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXX charge-off accounts must not show past due fields FDCPA 807 misrepresentation of legal status ( XXXX ) Clear Re-Aging : XXXX Updating XXXX XXXX Charge-Off in XXXX My report shows : Date of First Delinquency : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Updated : XX/XX/XXXX XXXX has continued to update a XXXX charge-off well into XXXX to keep the account active. 

Violations : FCRA 623 ( a ) ( XXXX ) DOFD must be accurate and not manipulated FCRA 605 ( c ) 7XXXX rule can not be extended CFPB Regulation V can not re-age accounts through updating ( XXXX ) Incorrect and Impossible Balance XXXX Equifax XXXX XXXX High Credit : {$4600.00} Balance : {$9000.00} Past Due : {$9000.00} Charge-Off Amount : {$4600.00} It's mathematically impossible for a closed lease with a charge-off of {$4600.00} to have a {$9000.00} balance and past due. 

Violations : FCRA 623 ( a ) ( XXXX ) inaccurate balance XXXX XXXX inconsistent field hierarchy FDCPA XXXX misrepresentation of amounts ( XXXX ) Missing Date of Last Activity ( Required Field ) XXXX left Date of Last Activity blank, yet updates the account every month in XXXX. 

Violations : FCRA XXXX ( a ) ( XXXX ) ( B ) incomplete reporting Regulation V must include complete account lifecycle information ( XXXX ) Improper Payment History Reporting After Charge-Off Your XXXX history and payment details show : Late payments reported after charge-off Payment performance continuing in backend fields Months reviewed = XXXX ( indicates continuous updates from XXXX through XXXX ) Once a charge-off occurs, payment history must freeze. 

Violations : FCRA XXXX ( a ) ( XXXX ) XXXX XXXX no postcharge-off payment activity allowed ( XXXX ) Internal System / Narrative Codes Displaying on Consumer Report Equifax shows XXXX Narrative Codes : XXXX These codes are internal furnisher system codes and should never appear on a consumers report. 

Violations : FCRA XXXX681e ( b ) failure to maintain reasonable accuracy FCRA 1681i ( a ) file must not contain internal data CFPB XXXX XXXX ( XXXX ) Conflicting or Missing Creditor Fields Examples : Original Creditor Name : blank Loan Type : AUTO_LEASE but fields inconsistent Sold To and Purchased From blank despite internal tags Violations : FCRA 623 ( a ) ( 1 ) ( B ) incomplete reporting XXXX XXXX required fields missing

Company response to consumer: Closed with non-monetary relief