Consumer complaint received 2025-11-28 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: MS

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint regarding multiple accounts on my credit reports that are being reported inaccurately, inconsistently, incompletely, and in violation of the FCRA, FDCPA, and Metro-2 Compliance Standards. Under 15 USC 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are required to maintain accurate data and report the same factual information to all bureaus. These accounts contain conflicting reporting, missing data, and inconsistent statuses across the bureaus.

These violations have already been adjudicated as illegal in case law including, but not limited to : XXXX XXXX BB & T ( misleading reporting is actionable ) XXXX XXXX Equifax ( CRAs are liable for obvious errors ) XXXX XXXX XXXX XXXX. ( incomplete reporting violates the FCRA ) XXXX XXXX TransUnion ( CRA must reinvestigate properly ) XXXX v. Equifax ( inconsistent bureau reporting = inaccuracy ) ACCOUNTS IN VIOLATION XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Experian reports XXXX Equifax reports XXXX Days Late TransUnion does not report the account at all Metro-2 Violations : Field 17A Account Status inconsistent Field 25 payment history inaccurate Field 12 DOFD inconsistently reported Missing data across a bureau = violation Laws Violated : FCRA 15 USC 1681e ( b ), 1681s-2, 1681i XXXX XXXX. BB & T XXXX XXXX Equifax XXXX XXXX ( Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Different status reporting across bureaus Missing payment history on XXXX bureau Charge-off and balance status inconsistent Metro-2 Violations : Field 17A Account Status incorrect Field 24 Payment Rating inconsistent Field 25 Payment History missing Field 71 Compliance Code incorrect Laws Violated : FCRA 1681e ( b ), 1681i, 1681s-2 XXXX XXXX TransUnion XXXX v. BB & T Balance reported XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : TU and EX/EQ report conflicting statuses Balance, dates, and charge-off language inconsistent Metro-2 Violations : Field 17A Account Status incorrect Field 12 DOFD inconsistent Field 25 Payment History missing Field 39 Terms incorrect Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX XXXX. Temple Univ. 

XXXX XXXX Equifax Balance reported : {$1900.00} XXXX XXXX # 2 ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Violations : Dispute remark and status not consistent across bureaus Closed vs Chargeoff incorrect Metro-2 Violations : Field 17A Account Status contradiction Dispute code must be uniform across all bureaus Payment History ( Field 25 ) incorrect Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX XXXX. BB & T XXXX XXXX Equifax Balance reported : {$1000.00} XXXX XXXX # XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Missing/incomplete reporting across bureaus Incorrect payment and charge-off language Metro-2 Violations : Field 17A incorrect Field 24 and Field 25 incorrect Missing data = non-compliance Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX v. BB & T XXXX XXXX Equifax Balance reported : {$530.00} TOTAL NEGATIVE BALANCE MISREPORTED : {$5500.00} MY DEMANDS Under FCRA 15 USC 1681i and 1681s-2 : I am requesting the following actions : A reinvestigation of each account listed above.

Correction OR deletion of all inaccurate reporting.

Provide written results and proof of validation.

Correct the bureau discrepancies and furnish the same factual data to all agencies. 

If these violations are not corrected I will pursue further remedies including legal action, CFPB escalation, and compensation for damages as supported by case law. 

I certify that the information I provided is true and complete. 

Sincerely,

Company response to consumer: Closed with explanation