Consumer complaint received 2025-11-09 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: TN

Complaint narrative:
Dear CFPB Investigator, I am submitting this complaint because multiple creditors have failed to ensure maximum possible accuracy of my payment history, in violation of the Fair Credit Reporting Act ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 Reporting Standards. 

1. Summary of Inaccurate Reporting Upon reviewing my 3-bureau report dated XX/XX/XXXX, I identified several tradelines reporting 30-, 60-, and 90-day late payments without proper chronological progression or verification response to prior dispute. These accounts are improperly coded and misleading to potential creditors. 

Creditor Partial Acct # Bureau ( s ) Reporting Late Inaccuracy Observed Metro 2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All 3 Reported 30/60/90 lates without proper sequence ; inaccurate coding. Fields XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All 3 Late sequence copied across bureaus ; no validation response. Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All 3 Lates while balance {$0.00} ; no Paid As Agreed update. Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX Reported lates without 30-day notice ; unverified. FCRA 623 ( a ) ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All 3 Lates duplicated across bureaus while shown 'current '. Field XXXX mis-coded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All 3 90-day late after payoff ; closed account marked delinquent. Metro 2 XXXX XXXX. Violations of Federal Law FCRA 607 ( b ) Requires furnishers to maintain 'maximum possible accuracy. ' FCRA 611 ( a ) ( 1 ) ( A ) Mandates reinvestigation within 30 days ; no response received to dispute sent XX/XX/XXXX. 
FCRA 623 ( a ) ( 2 ) Requires furnishers to correct and update inaccurate data.

FCRA 623 ( b ) ( 1 ) ( D ) Failure to modify or delete inaccurate data after notice violates this section.

15 U.S.C. 1681s-2 ( b ) Grants CFPB enforcement authority once CRAs notify the furnisher. 

3. Supporting Case Law Cushman v. Trans Union, 115 F.3d 220 ( XXXX XXXX. XXXX ) CRA must conduct reasonable reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Failure to correct known errors violates FCRA 623 ( b ). 
Sloane v. Equifax Info Servs., 510 F.3d 495 ( XXXX XXXX XXXXXXXX ) Creditors liable for continuing to report inaccuracies. 
Richardson v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) Out-of-sequence late reporting = reckless non-compliance. 

4. Requested Resolution 1. Immediate CFPB investigation into the furnishers failure to respond within 30 days.

2. Removal of all inaccurate 30/60/90-day lates from all bureaus.

3. Update each tradeline to show 'Pays as Agreed Current. ' 4. Written confirmation of deletion and correction to all bureaus.

5. Civil penalties applied for continued non-compliance pursuant to 15 U.S.C. 1681n and 1681o. 

5. Evidence Attached 3-Bureau Credit Report ( XXXX, dated XX/XX/XXXXXXXX  ) Certification I certify that the above information is true and accurate to the best of my knowledge and that the attached documents reflect actual data furnished to the national consumer reporting agencies. 

Respectfully submitted,

Company response to consumer: Closed with non-monetary relief