Consumer complaint received 2025-10-06 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:
You are reporting inaccurate and contradictory information. Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; 1681i ( a ) ( 5 ) ( A ) ) and XXXXXXXX XXXX XXXX you must conduct an independent reinvestigation and obtain competent evidence. Failing that, you must delete. I will seek remedies under 616617 and file with CFPB/FTC/AG if not corrected . 
A. File Header / ID Defects ( Equifax ) Name variant : XXXX XXXX XXXX appears here only. 
Fix : Standardize to my legal name ; remove unsupported variants. 
Address conflict : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX while other CRAs show XXXX  for the same street. 
Fix : Correct city/suffix ; remove or move unsupported addresses to previous if appropriate. 
Law/Standard : 607 ( b ) /611 ; Reg V 1022.42 ( a ).

Metro 2 : Header Name/Address.

B. Tradeline Defects ( Equifax ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your report shows : Derogatory Charged off account Settlement accepted on this account ; Balance {$0.00}, plus an irrational XXXX late counter XXXX : XXXX. 
Defects : Status must be paid/settled with {$0.00} ; XXXXXXXX  can not show impossible XXXX  day counts ; furnish XXXX. 
XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX. 
All late months disputed ( including those feeding the XXXX : XXXX counter ). Provide monthly ledgers. 
XXXX. XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( Authorized User ) Your report shows : Paid Authorized User Open Current Credit Limit {$0.00} Payment Amount {$89.00}. 
Defects : Paid conflicts with Open/Current ; an open revolving account should carry the actual limit ( {$6000.00} on other CRAs ), not {$0.00}. 
XXXX XXXX : XXXX ( status ), Credit Limit, Terms/Payment Amount consistency. 
Demand : Correct to XXXX, XXXX {$6000.00} ( or, if closed/paid, then Closed/Paid with proper fields ) ; otherwise delete. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) Your report shows : Closed CO Charged off account Balance {$5400.00}, with long-running derogatory counters. 
Defects : Provide DOFD ; ensure XXXX doesnt roll XXXX  XXXX post-closure ; reconcile balance with XXXX  ( {$5700.00} ) or delete. 
XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX. 
All late/CO months disputed ( entire period reflected ). 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Medical Collection ) Your report shows : Closed Collection/Chargeoff Balance {$1800.00} ; Consumer disputes this account information Subject has not satisfied debt. 
Defects : Closed with live balance ; dispute indicator must persist ; fix status/balance coherently. Metro 2 :
Collection Status, XXXX, XXXX. 
Demand : If balance due, mark XXXX or set {$0.00} if Closed ; produce itemized medical ledger/EOBs. 
XXXX. XXXXXXXX XXXX XXXX ( Collection ) Your report shows : Closed XXXX  Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Defects : XXXX XXXX XXXX XXXX ; status conflicts with XXXX  ( XXXX ). 
Metro 2 : Original Creditor Name, Collection Status, Balance. 
Demand : Correct OC name in full ; reconcile status or delete ; provide rental ledger/assignment. 
XXXX. XXXX XXXXXXXX XXXX  ( XXXX XXXX ) Your report shows : Paid yet also Collection/Chargeoff ; Settlement accepted. 
Defects : Must code as paid collection with {$0.00} and cease derog XXXX after paid date ; clear stale dispute language if no current dispute. 
XXXX XXXX : XXXX, XXXX XXXX, XXXX. 
Required Proof Standard ( applies to every item above ) I dispute every late month Equifax has ever coded ( XXXX ). Codes are not proof. 
Provide running monthly ledgers ( due date statement/notice payment receipt posting ) for each allegedly late month. If you can not independently verify ( XXXX ) within 30 days, delete the inaccuracies or delete the entire tradeline.

Company response to consumer: Closed with non-monetary relief