Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : File of XXXX XXXX XXXX Formal Dispute, Reinvestigation, and Deletion Demand ( FCRA 607 ( b ), 611 ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ; XXXX ) Dear Equifax : I dispute the tradelines below and every late month ever coded. Metro 2 codes are not proof. 
You must obtain independent verificationrunning statements and a complete ledger for each disputed late ( due date receipt posting ). If you can not meet that standard, delete per 1681i ( a ) ( 5 ) ( A ). I will file XXXX complaints and sue under XXXX if you continue publishing inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Open vs Closed conflict Your file XXXX XXXX  ) : Open / Current / Consumer disputes reinvestigation in progress ; Balance {$4900.00} ; Date Reported XX/XX/XXXX ; Amount in H/C column is credit limit. 
Conflict : XXXX and XXXX both show Closed / Current for the same account. 
XXXX XXXX breaches : Account Status, XXXX XXXX XXXX ), Current Balance, XXXX, Date of Account Info. 
Demand : Verify with statements/ledger and correct to the true status or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Contradictory dispute remarks Your file ( XXXX XXXX : Simultaneously lists Consumer disputes reinvestigation in progress and Account previously in dispute now resolved by data furnisher. 
Issue : Both can not be true at once ; this is misleading and punitive. 
Metro 2 breaches : XXXX XXXX XXXX XXXX  Special Comment, Date of Account Info. 
Demand : Provide the XXXX  history + evidence or remove the dispute coding and correct, or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance improperly {$0.00} Your file ( XXXX XXXX  : High Balance {$0.00} Amount in XXXX column is credit limit ; Limit {$1400.00} ; Balance {$1100.00}. 
Contradiction : XXXX show prior High Balance {$1300.00} ; showing {$0.00} while reporting usage is inaccurate/misleading ( utilization ). 
Metro 2 breaches : High Credit/Original Amount, Current Balance, Date of Account Info. 
Demand : Correct to documented High Balance or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance improperly {$0.00} Your file ( XXXX XXXX  : High Balance {$0.00} ; Limit {$16000.00} ; Balance {$15000.00}. 
XXXX : High Balance {$15000.00}. 
Metro 2 breaches : High Credit/Original Amount, Current Balance. 
Demand : Correct High Balance to documented figure or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed {$0.00} ( XX/XX/XXXX ) Your file ( XXXX  ) : Paid / Open / Current ; Consumer disputes reinvestigation in progress. 
XXXX XXXX XXXX  : XXXX / XXXX / {$0.00} ( XX/XX/XXXX ). 
Metro 2 breaches : Account Status, Date Closed, XXXX Date of Account Info. 
Demand : Provide payoff/close documentation + statements/ledger or delete. 
XXXX ) DEPTED / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Bal {$5500.00} * * ) Open/Closed conflict XXXX XXXX XXXX : XXXX shows Open/ Current ( {$10000.00} ) while XXXX shows Closed ( XX/XX/XXXX ) for the same loan identifier. 
Metro 2 breaches : Account Status, Current Balance, Transfer/Sale Indicator, Date of Account Info. 
Demand : Provide transfer/consolidation records, statements & ledger or delete. 
I dispute all late months for the above. Codes proof. If you can not independently verify to XXXX, delete under 1681i ( a ) ( 5 ) ( A ). 
Enclosures : ID ; address proof ; XXXX XXXX ; XXXX XXXX screenshots.

Company response to consumer: Closed with non-monetary relief