Consumer complaint received 2025-12-04 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 am filing this complaint against XXXX Bank for repeated and ongoing violations of the Fair Credit Reporting Act, specifically FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, and for willful misreporting of the alleged account on my credit file. 

XXXX Bank continues to report the account as Charged Off every single month, creating the appearance of new charge-off events that never occurred. A charge-off is a one-time accounting event, yet XXXX Bank is updating the status as if it is recurring. This is factually inaccurate, misleading, and prohibited under federal reporting standards. 

Additionally, XXXX Bank is concealing, altering, or failing to properly furnish the Date of First Delinquency ( DOFD ), which is required under Metro-2 guidelines and FCRA 623 ( a ) ( 5 ). 
By repeatedly updating the account to show a new status update each month, XXXX Bank is effectively re-aging the account which is illegal. 

Detailed Violations 1. FCRA 1681e ( b ) Failure to Report Accurate Information XXXX is reporting : Charge-Off every month With new status updated dates While hiding the original DOFD This is materially misleading because it makes a past event appear recent severely harming my creditworthiness. 

2. FCRA 623 ( a ) ( 5 ) Improper Reporting of DOFD XXXX Bank has failed to properly report the Date of First Delinquency, or is providing inconsistent or conflicting DOFD data. 
This results in : Illegal re-aging Extension of the reporting period Increased derogatory impact This violates both FCRA and Metro-2 Credit Reporting Standards.

3. FCRA 1681i Failure to Conduct a Reasonable Investigation In past disputes, XXXX  Bank responded with : We verified the account ; the information is accurate. 

This is not a reasonable investigation. 
This is a form response that does NOT satisfy FCRA requirements. 

A legally compliant investigation requires : Review of original records Review of DOFD data Verification of contract Accounting of charge-off Confirmation that reporting matches Metro-2 standards XXXX Bank provided none of this.

4. FCRA 1681s-2 ( b ) Failure to Correct or Delete Inaccurate Information XXXX  was notified of my dispute, yet : They continued misreporting They did not correct inaccuracies They did not provide documentation They did not address DOFD or the re-aging issue This is a willful violation. 

Specific Harm Caused Discovers illegal repeated charge-off updates cause the account to appear : NEW ACTIVE CURRENTLY derogatory This creates ongoing damage that is not permissible under FCRA or Metro-2.

MPORTANT : XXXX  does NOT show the same recurring charge-off updates that XXXX  and Equifax show XXXX This proves that XXXX is furnishing inconsistent, incomplete, and inaccurate data to the credit bureaus in violation of FCRA 1681e ( b ) and 623 ( a ) ( 1 ) ( A ). 

If the reporting were accurate and XXXX compliant, ALL THREE bureaus would show the same status and the same charge-off event. 

The fact that XXXX  and Equifax show recurring monthly charge-off updates, while XXXX  does not, is direct evidence of : Furnisher inconsistency Improper DOFD assignment Re-aging Failure to provide uniform reporting Failure to conduct a reasonable investigation This inconsistency also proves that Discovers prior verified as accurate responses are incorrect or fraudulent.

Company response to consumer: Closed with explanation