Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I am writing to formally dispute and demand correction of inaccurate, incomplete, and unlawfully reported information in my credit file. The items outlined below must be investigated immediately and corrected or permanently deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) and Metro2 compliance standards. 

Personal Information Updates Correct Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all other addresses from my report, as they are not deliverable by the XXXXXXXX XXXX XXXX  and are inaccurate under the FCRA. 

Correct Name : XXXX XXXX. Please delete all variations, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Personal names are identifiers only and can not be coded derogatory under Metro2 compliance. 

Social Security XXXX : XXXX ( this is my only valid SSN ). 

Date of Birth : XX/XX/XXXX. 

Telephone Numbers : I do not authorize the reporting of any telephone numbers on my file. Remove all listed numbers immediately. 

Incorrect Names Equifax, Experian, and TransUnion are inaccurately reporting variations of my name ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) with derogatory coding. This practice is false, misleading, and unlawful.

Under FCRA 1681i, consumer information must be reported with maximum possible accuracy.

Metro2 compliance prohibits attaching derogatory codes to identifiers such as names. 

Demand : Delete all incorrect names from my file. Only my correct legal name, XXXX XXXX, should remain. 

Incorrect Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX falsely reported with a negative status. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not my address and inaccurately coded negative. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not my address and falsely coded negative. 

Addresses are identifiers, not tradelines. Attaching derogatory coding violates both FCRA 1681i and Metro2 standards. 

Demand : Delete all incorrect addresses. Only my correct address, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, may remain.

Unauthorized Inquiries I did not authorize any employee of the reporting agencies or third parties to access my credit file. Such access without permissible purpose violates FCRA 1681b ( c ). 

Demand : Provide copies of signed contracts authorizing each inquiry. In the absence of verifiable documentation, all unauthorized and fraudulent inquiries must be permanently deleted. 

Inaccurate Accounts/ Tradelines XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Negative despite being Paid in Full with a zero balance.

Violates FCRA 1681i and 1681s-2 ( b ) by misreporting paid accounts.

Metro2 requires Paid/Closed accounts with zero balance to reflect Paid as Agreed. 

Demand : Update to Paid as Agreed with no negative coding. 

XXXX XXXX XXXXXXXX XXXX XXXX ( multiple tradelines ) * * Inconsistently reported as Charge-Off/Negative while showing OK payment history for XXXX. 

XXXX both XXXX and XXXX simultaneously is contradictory and unlawful. 

Demand : Correct reporting to Pays as Agreed/Current. Remove all false derogatory coding. 

XXXX XXXX XXXX XXXX XXXX XXXX Reported as XXXX with past due balance, yet shows OK codes for XXXX. 

Contradictory reporting suppresses my FICO score and violates FCRA and Metro2 standards. 

Demand : Remove false XXXX status. Update to Pays as Agreed/Current. 

XXXX of XXXX XXXX XX/XX/XXXX ( TransUnion ) Misreported with a Negative status. Inquiries can not legally be coded derogatory.

Violates FCRA 1681i and Metro2 compliance. 

Demand : Remove Negative tag and report inquiry correctly as a standard inquiry only. 

Legal Basis FCRA 1681i requires reinvestigation and correction/deletion of inaccurate information.

FCRA 609 ( a ) ( 1 ) ( A ) requires physical verification of original signed contracts for all reported accounts.
Without such proof, unverifiable accounts must be deleted.

Metro2 Compliance prohibits coding identifiers ( names, addresses, inquiries ) as derogatory.

Company response to consumer: Closed with explanation