Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It is evident that the claim reported against me is unjust and has caused significant harm to my personal, emotional, and financial well-being, as well as to my creditworthiness. I am formally disputing your assumed authority to report this account and requesting proof that your reporting practices are ethical, lawful, and compliant with all applicable requirements. My concern is not with the right to collect, but with the apparent lack of accurate and fair reporting related to this specific claim. 

You are illegally reporting inaccurate late payments on this open revolving account. In addition, the reported balance, high balance, and date of last activity are inconsistent across all three credit bureaus. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2. If the credit bureaus could not verify this information, you are equally unable to substantiate it. I demand the immediate deletion of this account or the provision of legally admissible evidence confirming its accuracy and compliance with federal law. This serves as your final notice before I escalate this matter as a willful violation of federal law. 

The item referenced as XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX has been observed to contain numerous deviations from the prescribed standards governing ethical and compliant credit reporting. According to XXXX guidelines, any departure from the established Metro 2 format raises serious concerns about the integrity of the reported data. 

Specific Issues Identified : Date Opened ( XXXX ) : XX/XX/XXXX is marked derogatory across all three bureaus. This classification must be supported by accurate, verifiable information and compliance with Metro 2 and FCRA standards. 

High Credit ( XXXX ) : {$0.00} is questionable and may reflect a reporting deficiency. 

Last Reported Date : XX/XX/XXXX shows inconsistencies that must be reconciled across all bureaus. 

Date Last Active ( XXXX ) : XX/XX/XXXX deviates from expected standards and lacks verifiable compliance. 

Date of Last Payment ( XXXX ) is not reported or marked as, suggesting non-adherence to Metro 2 requirements. 

7-Year Payment History ( XXXX : XXXX, XXXX : XXXX, XXXX : XXXX ) contains inconsistencies that lack lawful substantiation. 

These reporting inaccuracies raise significant compliance concerns and must be investigated. Any data entered into a consumers credit file must be true, correct, complete, timely, and clearly attributable to the individual. The presence of inconsistent data may also suggest a potential file mix-up with another consumer with a similar name, address, or Social Security number. 

Pursuant to FCRA, FCBA, FDCPA, and Metro 2 Compliance Standards, you are required to fully verify the accuracy of any and all claims reported to consumer reporting agencies. Reporting unverifiable or misleading informationparticularly after receiving a formal complaintconstitutes a violation of federal law and infringes upon my consumer rights. 

If these discrepancies are not corrected, and if the reporting is not immediately brought into compliance, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. 

I respectfully demand that you remove this account immediately unless you can provide certified, legally admissible documentation proving full compliance with all relevant reporting laws and standards. Your immediate attention and resolution of this matter are required to avoid further legal action and damage.

Company response to consumer: Closed with explanation