Consumer complaint received 2025-10-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct [ ] Facts ( EQ ) : Open collection ; Balance : {$840.00} ; Past Due : {$0.00} ; DLA : XXXX ; Comments : Placed for collection. Defect : Open/Closed, Past-Due, and date conflicts with peers + late-grid usage on collections elsewhere. Fix/Demands : Collection segment ; remove late-grid ; correct DOFD/DLP/DLA ; reconcile Past-Due ; ledger ; all late months disputed ; delete if unverified. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ) Acct [ ] Facts ( EQ ) : Open collection ; Balance : {$770.00} ; Past Due : {$0.00} ; DLA : XXXX ; Comments : Placed for collection. Demands : As above. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct [ ] Facts ( EQ ) : Open collection ; Balance : {$340.00} ; Past Due : {$0.00} ; DLA : XXXX. Demands : As above. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct [ ] Facts ( EQ ) : Open collection ; Balance : {$860.00} ; Past Due : {$0.00} ; DLA : XXXX. Demands : As above. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Acct [ ] Facts ( EQ ) : Open collection ; Balance : {$550.00} ; Past Due : {$0.00} ; DLA : XXXX ; Comments : Placed for collection. Defect : Peer bureau labeling Refinanced is incompatible with a 3rd-party collection ; ensure EQ keeps proper Collection coding and dates. Demands : As above. 
XXXX XXXX XXXX XXXX ( prepare one EQ letter per the four accounts ) XXXX XXXX Acct [ ] ( EQ ) : Open, Balance {$1400.00}, Past Due {$0.00}, DLA XXXX  ; Comments : Account information disputed by consumer. 
XXXX XXXX XXXX [ ] ( EQ ) : Open, Balance {$1400.00}, Past Due {$0.00}, XXXX XXXX XXXX Placed for collection. 
XXXX XXXXXXXX Acct [ ] ( XXXX ) : Open, Balance {$1000.00}, Past Due {$0.00}, XXXX XXXX XXXX Account information disputed by consumer. 
XXXX XXXX Acct [ ] ( EQ ) : Open, Balance {$340.00}, Past Due {$0.00}, XXXX XXXX XXXX Placed for collection. Demands : Collection segment ; fix Status/DOFD/DLP/DLA/Past-Due ; remove any late-grid ; ledger ; all late months disputed ; delete if unverified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct [ ] Facts ( EQ ) : Installment ( miscode ) with Status Open ; Balance {$160.00} ; DLA 2025-09-26 ; Comments : Account information disputed by consumer. Fix/Demands : Code as Collection ; correct DOFD/DLP/DLA/Status ; ledger ; all late months disputed ; delete if unverified. 
XXXX XXXX XXXX  ( one EQ letter listing each sub-account ) Facts ( EQ ) : Each shows Payment Status : LateOver120Days ; Past Due per sub-loan ; older DLP XXXX recorded. Defect : Date conflicts with XXXX XXXXXXXX ; ensure DOFD accuracy and PHP alignment. Demands : All late months disputed ; ledger ; codes proof ; XXXX ; delete if unverified. 
XXXX XXXX XXXX XXXX  Revolving CO Acct [ ] Facts ( EQ ) : CO ; Past Due {$360.00} ; DLA XXXX ; late-grid differs from XXXX. Demands : Align PHP/DOFD/DLA/Past-Due ; ledger ; all late months disputed ; delete if unverified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Acct [ ] Facts ( EQ ) : Payment Status : CO with Comment : Paid charge off ; late-grid differs ( e.g., more 90-day lates vs XXXX ). Demands : Post-payment Status/Special Comment ; correct PHP/DOFD/DLA ; ledger ; all late months disputed ; delete if unverified. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Purchased by another lender Acct [ ] Facts ( XXXX ) : CO ; Purchased by another lender present on peers ; ensure post-sale accuracy. Demands : Correct post-sale codes ; PHP/DOFD/DLA ; ledger ; all late months disputed ; delete if unverified. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  / Purchased by another lender Acct [ ] Facts ( EQ ) : CO ; High Credit {$340.00} ; post-sale comment on peers ; late-grid differs. Demands : As above. 
XXXX XXXX XXXXXXXX XXXX XXXX  / Purchased by another lender Acct [ ] Facts ( EQ ) : CO ; High Credit {$490.00} ; DLA XXXX  . Demands : As above. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Severe Delinquency Acct [ ] Facts ( EQ ) : If shown, mirror XXXX facts with EQs dates/amounts. Demands : Ledger ; fix PHP/DOFD/DLA ; all late months disputed ; delete if unverified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( EQ ) Facts ( EQ ) : Revolving CO with small Past-Due ; Installment Late90Days while Account paid from collateral. Demands : Align final accounting/Status/PHP/DOFD/DLA ; ledger ; delete if unverified.

Company response to consumer: Closed with explanation