Consumer complaint received 2026-04-28 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: UT

Complaint narrative:
This is a follow-up to CFPB Complaint No. XXXX ( against Equifax , filed XX/XX/XXXX ), which Equifax closed XXXX XX/XX/XXXX with " non-monetary relief '' that did not address any of my substantive disputes. PRIOR COMPLAINT RECAP In Complaint No. XXXX I documented six specific issues with two XXXX XXXX XXXX XXXX ( XXXX ) tradelines on my Equifax file : 1. Active re-aging of XXXX chargeoffs ( Equifax showed " most recent missed payment : 1 month ago '' on accounts charged off in late XXXX ). 2. Corrupted payment history showing " on time '' months on charged-off accounts with unpaid balances of {$6900.00} and {$2000.00}. 3. Cross-bureau inconsistency : same furnisher reporting XXXX negative months to XXXX , XXXX to XXXX, XXXX to XXXX. 4. Credit Card DOFD ( XX/XX/XXXX ) is based on an internal collections transfer the furnisher 's own representative confirmed I did not initiate ; he confirmed I was already delinquent before XX/XX/XXXX. 5. Line of Credit DOFD of XX/XX/XXXX postdates the chargeoff ( XXXX shows the chargeoff/closed date as XX/XX/XXXX ). DOFD can not occur after chargeoff. 6. Equifax never provided the method of verification I formally requested under FCRA 611 ( a ) ( 7 ) on XX/XX/XXXX. EQUIFAX 'S XX/XX/XXXX RESPONSE Equifax stated the following fields were " updated '' on the XXXX tradelines : SCHEDULED PAYMENT, ADDITIONAL INFORMATION, ACCOUNT HISTORY, CHARGE OFF AMOUNT. They provided no explanation, did not delete the tradelines, did not correct the DOFD, did not address the re-aging, and did not provide the method of verification. WHAT THE NEW XX/XX/XXXX REPORT SHOWS I pulled a fresh Equifax report on XX/XX/XXXX ( the same day Equifax closed the prior complaint ). Side-by-side comparison to my XX/XX/XXXX report : - XXXX XXXX XXXX ( acct XXXX ) : still reporting as Charge-off, {$6900.00} balance, {$6900.00} past due, XXXX potentially negative months ( was XXXX -- decreased by XXXX because they removed one month from the grid ). - XXXX Line of Credit ( acct XXXX ) : still reporting as Charge-off, {$2000.00} balance, {$2000.00} past due, XXXX potentially negative months ( was XXXX -- decreased by XXXX ). - " Most recent missed payment '' indicator on the FICO 8 score factors page : 0 MONTHS AGO. This is WORSE than my XX/XX/XXXX report ( which said " 1 month ago '' ). Equifax is now reporting that I missed a payment THIS MONTH on accounts that were charged off in XXXX. This is active, escalating re-aging. - " On time '' months still appearing in the payment history grid for charged-off accounts ( XX/XX/XXXX- XX/XX/XXXX now showing as on time / blank, even though both accounts remain in charged-off status with full unpaid balances ). The corrupted pattern was not fixed -- it was extended. - FICO 8 score : XXXX ( unchanged ). - Cross-bureau inconsistency unchanged : Equifax XXXX vs XXXX XXXX vs XXXX XXXX negative months for the same account from the same furnisher. - DOFDs unchanged. - MOV under FCRA 611 ( a ) ( 7 ) still not provided. THE RE-AGING IS NOT JUST WRONG -- IT IS GETTING WORSE The single most damaging item on my Equifax file is the FICO score factor stating my most recent missed payment was 0 months ago. This is the primary reason my Equifax FICO 8 ( XXXX ) is below my XXXX and XXXX scores. Each month Equifax updates this indicator forward, the chargeoff is treated as a fresh delinquency. Under FCRA 605 ( c ), the reporting period runs from the original DOFD and can not be reset by ongoing reporting. Equifax 's furnishing logic is treating ongoing chargeoff status as new delinquency every cycle. PARALLEL ACTIONS TAKEN In addition to this complaint, I have : - Filed CFPB complaints against XXXX ( XXXX ), XXXX ( XXXX ), and the furnisher XXXX ( XXXX ) on XX/XX/XXXX. - Sent Phase 5 " Notice of Regulatory Action '' letters via certified mail to all three bureaus and three XXXX addresses ( CEO, Collections, PO Box ) on XXXX XXXX XXXX -- all confirmed delivered or in delivery. - Sent ID verification documents to XXXX ( delivered XX/XX/XXXX ; ID response delivered XX/XX/XXXX expected ). - Filing a parallel complaint with the Utah Division of Consumer Protection regarding Equifax 's furnishing practices and XXXXXXXX XXXX furnishing inaccuracies. - Preserving all evidence for FCRA 616 ( willful ) and 617 ( negligent ) civil action. This complaint is the second formal CFPB filing against Equifax on these accounts. The XX/XX/XXXX evidence demonstrates Equifax 's prior response was inadequate and that the underlying violations are continuing and worsening.

Company response to consumer: Closed with explanation