Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent two dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ), and Equifax ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) on or around XX/XX/XXXX, and XX/XX/XXXX, respectively, pursuant to my rights under the FCRA ( 15 USC 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). These letters detailed multiple inaccuracies, incomplete information, and unverifiable items related to the XXXX XXXX XXXX XXXX account, as outlined below : Inaccurate Account Status and Payment Status ( Violation of 15 USC 1681e ( b ) and 15 USC 1681i ) XXXX reports the account as " Closed '' with a payment status of " Charged off as bad debt, '' a balance and past due amount of {$17000.00}, a " Date of Last Payment '' of XX/XX/XXXX, and a " Date Last Active '' of XX/XX/XXXX. 
XXXX reports the account as " Closed '' with a payment status of " Charge-off, '' a balance and past due amount of {$17000.00}, a " Date of Last Payment '' of XX/XX/XXXX, and a " Date Last Active '' of XX/XX/XXXX. 
Equifax reports the account as " Closed '' with a payment status of " Charge-off, '' a balance and past due amount of {$17000.00}, a " Date of Last Payment '' of XX/XX/XXXX, and a " Date Last Active '' of XX/XX/XXXX. 
Issue : The " Date Last Active '' for XXXX XXXX XXXXXX/XX/XXXX ) and Equifax ( XX/XX/XXXX ) is inconsistent with the " Closed '' status and the " Date of Last Payment '' ( XX/XX/XXXX for XXXX and XXXX XXXXXX/XX/XXXX for Equifax ). An account marked as closed and charged off should not show activity in XXXX, indicating a reporting error. This violates 15 USC 1681e ( b ), which requires maximum possible accuracy, and 15 USC 1681i, which mandates a reasonable reinvestigation.

Incomplete and Unverifiable Payment History ( Violation of 15 USC 1681s-2 and 15 USC 1692g ) XXXX and Equifax fail to provide a two-year payment history, showing blank fields from XX/XX/XXXX to XX/XX/XXXX, making the charge-off status unverifiable. 
XXXX reports " CO '' ( Charge-off ) for all months from XX/XX/XXXX to XX/XX/XXXX, despite the " Date of Last Payment '' being XX/XX/XXXX and the " Date Last Active '' being XX/XX/XXXX, suggesting no activity since XXXX. 
Issue : The lack of payment history ( XXXX and Equifax ) and the misleading " CO '' reporting ( XXXX XXXX  without evidence of ongoing delinquency violate 15 USC 1681s-2, which requires furnishers to provide complete and accurate information, and 15 USC 1692g , which entitles me to debt validation. 

Unverifiable Collection/Chargeoff Status ( Violation of 15 USC 1681s-2 and 15 USC 1692g ) XXXX XXXX XXXX  report the account as " Collection/Chargeoff '' with comments like " Charged off as bad debt '' and " Unpaid balance reported as a loss by the credit granter, '' but no documentation or evidence has been provided to verify this status. 
Issue : Under 15 USC 1692g, I am entitled to validation of the debt, and under 15 USC 1681s-2, furnishers must ensure the accuracy of reported information. The bureaus have failed to provide such validation, rendering the charge-off status unverifiable. 

Inconsistent Dates and High Credit Amounts Across Bureaus ( Violation of 15 USC 1681e ( b ) and 15 USC 1681i ) XXXX  reports a " Date Opened '' of XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. The " Date Last Active '' varies : XX/XX/XXXX XXXX XXXX XXXX vs. XX/XX/XXXX XXXX XXXX ). Equifax does not report this information. 
XXXX  reports a " High Credit '' of {$20000.00}, while XXXX reports {$20000.00}. Equifax provides no information. 
Issue : These discrepancies indicate a failure to ensure maximum possible accuracy, violating 15 USC 1681e ( b ) and 15 USC 1681i.

Inconsistent Comments and Missing Information ( Violation of 15 USC 1681i ) XXXX comment is " Charged off as bad debt, '' while XXXX  is " Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit granter. '' Equifax provides no comments or details. 
Issue : This lack of consistency and missing information violates 15 USC 1681i, which requires completeness of information. 

Response from Credit BureausIn response to my dispute letters, XXXX XXXX, and Equifax stated that the disputed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were " verified '' but failed to provide : A description of the method of verification, as required by 15 USC 1681i ( a ) ( 7 ).

Evidence supporting the accuracy of the reported information, as mandated by 15 USC 1681s-2 and 15 USC 1692g .

Corrections to the inconsistencies and inaccuracies outlined above, violating 15 USC 1681e ( b ) and 15 USC 1681i.

The bureaus reliance on automated systems ( e.g., e-OSCAR ) without thorough investigation does not meet the legal standard of verification, as established in XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), which defines verification as confirming the correctness, truth, or authenticity of reported information.

Company response to consumer: Closed with non-monetary relief