Consumer complaint received 2025-09-01 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:
I am formally disputing the following negative accounts being reported on my credit file. These items are being furnished and maintained in violation of the Fair Credit Reporting Act 15 USC 1681i duty to ensure maximum possible accuracy and 15 USC 1681s2 prohibition on knowingly furnishing false or misleading information. They also violate XXXX XXXX reporting standards that require consistency accuracy and correct status coding on all tradelines. 

DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX account is open shows a XXXX past due amount and reflects Paying as Agreed. Yet the overall status is coded Negative. That contradiction violates XXXX USC 1681i and 15 USC 1681s2. XXXX XXXX requires the status code to align with the payment condition and balance data. Correct the remarks now to Open Current and Paying as Agreed and permanently remove the false Negative coding. 

DEPT OF EDUCATION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX loan lists Paying as Agreed with XXXX past due and comments that indicate the account is in good standing or a dispute was resolved. Coding the status as Negative while publishing those facts is knowingly misleading. You have had prior notice and failed to correct which shows willful noncompliance. Update the status to XXXX XXXX and Paying as Agreed and eliminate the Negative label. 

XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * The bureaus are reporting XXXX past due Paying as Agreed and Open status on this XXXX loan yet the status field still reads Negative. That is inaccurate and causes measurable harm. XXXX XXXX XXXX the compliance condition code and status code can not conflict with payment status. Correct the status to Open Current and Paying as Agreed without delay. 

DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This XXXX tradeline remains misclassified as Negative across bureaus even though the factual data shows Open XXXX past due and Paying as Agreed. Continued publication after disputes violates 15 USC 1681i and 15 USC 1681s2. Permanently correct the remarks to Open Current and Paying as Agreed and remove the Negative coding. 

DEPT OF EDUCATION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This XXXX account displays Open XXXX past due and Paying as Agreed with comments confirming good standing. The Negative status is false and contradicts the furnished data. Bring this account into XXXX XXXX compliance by updating the status and remarks to Open Current and Paying as Agreed and cease the Negative classification. 

DEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Aidvantage account is open deferred and in good standing. Equifax and TransUnion report Payment Deferred and positive standing while Experian codes it Negative. That inconsistency violates 15 USC 1681i and 15 USC 1681s2 and breaches XXXX XXXX uniform reporting. Experian must permanently correct the status to Open Current and Payment Deferred Paying as Agreed to match the accurate reporting at the other bureaus. 

DEPT OF ED XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX loan reports XXXX past due Paying as Agreed and Payment Deferred. Experian continues to misclassify it as Negative which is reckless and harmful. Correct the remarks and status to Open Current and Payment Deferred Paying as Agreed and remove the false Negative coding. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX XXXX  tradeline is closed yet still shows a balance and a charge off collection status. Reporting a closed revolving account with both a collectible balance and charge off violates XXXX XXXX and misleads creditors. Under XXXX5 USC 1681i and 15 USC 1681s2 you must not publish false or contradictory data. I demand the immediate and permanent deletion of this XXXX XXXX  tradeline from my credit file. 

XXXX XXXX XXXX date XXXX XXXX XXXX  Delete this inquiry permanently. You have no signed authorization or permissible purpose as required by 15 USC 1681b. Produce an original signed application tied to a legitimate credit request or delete the inquiry. 

XXXX XXXX date XXXX XXXX XXXX  Delete this inquiry permanently. There is no signed authorization or permissible purpose under 15 USC 1681b. Provide the original signed application or delete. 

XXXX XXXX date XXXX XXXX XXXX  Delete this inquiry permanently. No documented consent exists as required by 15 USC 1681b. Produce the original signed authorization or delete. 

XXXX XXXX date XXXX XXXX XXXX  Delete this inquiry permanently. Absent a signed application there is no permissible purpose under 15 USC 1681b. Provide proof or delete. 

XXXX XXXX XXXX date XXXX XXXX XXXX  Delete this inquiry permanently. There is no signed authorization as required by 15 USC 1681b. Provide verifiable documentation or delete. 

I have disputed these items before and your failure to correct or delete demonstrates willful noncompliance. By maintaining false contradictory entries you are knowingly misrepresenting my credit history and causing measurable financial harm. I demand the immediate and permanent deletion of the XXXX XXXX  XXXX and the permanent correction of all XXXX and XXXX accounts to report as Open Current and Paying as Agreed. If you do not correct these items within the time allowed by law I will escalate to the CFPB FTC and my state attorney general and pursue all remedies available under federal law.

Company response to consumer: Closed with non-monetary relief