Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
This complaint is filed against XXXX XXXX XXXX ( XXXX ) and Equifax Information Services LLC for the ongoing publication of false and manipulated credit data associated with the XXXX account ending XXXX. This complaint is not a duplicate. It is a new complaint supported by newly discovered forensic evidence demonstrating post-settlement data tampering, identity misuse, and willful violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Credit Reporting Resource Guide ( CRRG ) standards.

Following the insurance settlement of my vehicle, XXXX was fully paid and the account was no longer owed. However, Equifax continues to report this account as a charge-off with an active balance of {$3300.00}. The credit data reported by Equifax reflects deliberate, sequential manipulation of key reporting fields that create a false narrative of ongoing delinquency. The XXXX history shows systemic falsification. Specifically, on XX/XX/XXXX Equifax reported Balance : {$3300.00}, Past Due : {$3300.00}, High Credit : {$32000.00}. On XX/XX/XXXX Equifax reported Balance : {$3300.00}, Past Due : blank, High Credit : {$3800.00}. The Last Payment Date field was altered across multiple monthsshowing XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and again XX/XX/XXXX on XX/XX/XXXX. The High Credit field was later changed to Not Reported in XX/XX/XXXX, effectively removing historical data. This creates a pattern of data re-aging and reinsertion of altered values inconsistent with any legitimate loan activity. 

These inconsistencies violate multiple federal statutes and industry reporting standards. XXXX and Equifaxs conduct violates FCRA 1681e ( b ) for failure to ensure maximum possible accuracy, 1681i ( a ) for failure to reasonably reinvestigate disputed information, and 1681c ( a ) ( 4 ) for unlawful re-aging of account data. The manipulation of the Date of Last Payment and High Credit fields constitutes deliberate data alteration designed to extend the derogatory reporting period, contrary to the seven-year limitation under FCRA. Furthermore, under Metro 2 CRRG 6.2.2, furnishers must preserve static values for Date of First Delinquency and High Credit. Changing these fields without verified supporting documentation is prohibited and constitutes a willful furnishing of false data. 

HMFs continued furnishing of account information after full insurance payoff is a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits a furnisher from reporting information known or reasonably believed to be inaccurate. The companys ongoing furnishing of new payment-date values and altered balances under my name represents unauthorized use of my consumer identity after account closure. This is equivalent to post-settlement identity misuse. No legitimate account activity occurred after insurance settlement, and no Form 1099-C was ever issued under 26 U.S.C. 6050P to recognize a cancellation of debt. The lack of a 1099-C confirms that the account was not an unpaid debt, and any continued reporting constitutes a false representation of liability. 

The forensic analysis of the XXXX payment history confirms that XXXX systematically re-aged and republished tradeline data after the obligation was extinguished. The simultaneous presence of multiple conflicting XXXX XXXX narrative codes022 ( charge-off ), 067 ( loss write-off ), 132 ( repossession ), 167 ( insurance claim ), and 214 ( repossession completed ) is impossible under standard data protocols. These codes can not coexist legitimately and indicate manual intervention or automated manipulation of account data. 

Requested Resolution : Immediate deletion of the XXXX XXXX XXXX tradeline from Equifax and all associated credit reporting systems. 

Formal acknowledgment by XXXX and Equifax that this account was satisfied through insurance settlement and that the consumer has no further liability. 

Written certification under FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) that this tradeline will not be reinserted without written notice to the consumer and supporting documentation verifying accuracy. 

A CFPB enforcement review of XXXX XXXX XXXX post-settlement furnishing practices under FCRA 1681s and potential referral for investigation under 18 U.S.C. 1028 ( identity misuse ). 

Confirmation from Equifax that all inaccurate payment-date, high-credit, and status fields have been purged and that the account has been permanently suppressed. 

This complaint demonstrates willful noncompliance and reckless disregard of the truth as defined by the U.S. Supreme Court in Safeco Ins. Co. of America v. Burr, 551 U.S. 47 ( XXXX ). The pattern of re-aged data, inconsistent balances, and falsified payment dates establishes clear intent to misrepresent my credit profile and unlawfully extend a derogatory tradeline. I request the CFPBs direct intervention and enforcement action to ensure full deletion, compliance certification, and civil accountability.

Company response to consumer: Closed with non-monetary relief