Consumer complaint received 2025-08-29 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:
As a documented victim of the Equifax Data Breach and the XXXX XXXX XXXX XXXX, I hold Equifax and all affiliated data furnishers to the highest standard of accuracy and verification under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Credit Reporting Resource Guide. The continued reporting of inaccurate, incomplete, and unverifiable accounts and inquiries is unlawful and violates 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ), 1681i ( a ) ( duty to reinvestigate ), and 623 ( a ) ( 1 ) ( A ) ( prohibition against furnishing information known to be inaccurate ).

The accounts and inquiries listed below contain reporting defects, inconsistent data fields, and missing verification required under Metro 2 standards. Because my personal identifiers were compromised in both the Equifax and XXXX breaches, the risk of file contamination, mixed files, and unverifiable reporting is significantly heightened. Continuing to publish these defective entries places me at direct and ongoing harm. 

I demand that you obtain original-source documentation for each disputed item, including signed agreements, complete payment histories, and documented proof of permissible purpose for every inquiry. If such evidence can not be produced in strict compliance with the FCRA and Metro 2 standards, then the disputed item must be immediately and permanently DELETED from my Equifax credit file, with a full cease of all future reporting. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the permanent DELETE of the late payment notations being reported on my XXXX XXXXXXXX account. This is an active revolving account that I continue to use and pay, yet the bureaus are reporting it as Current while also showing past XXXX late payments. Metro 2 compliance rules prohibit an account from being coded both Pays as Agreed Current and Late during the same reporting period. This is contradictory, inaccurate, and misleading. It violates FCRA 1681e ( b ), which requires maximum possible accuracy, and FCRA 1681i, which requires deletion of unverifiable or inconsistent data. Unless verifiable documentation proving accuracy and Metro 2 compliant coding is produced, the late notations must be permanently DELETED and the account updated to Pays as Agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the permanent DELETE of the late payment notations reporting on my XXXX XXXX account. This is an open account that I continue to pay, yet the bureaus are reporting it as Current while also coding XXXX, XXXX, and XXXX late payments. Metro 2 standards do not allow an account to be reported as both Current and Late in the same reporting period. This reporting is false, misleading, and unverifiable. Unless certified proof of accuracy and coding is provided, these late payment notations must be permanently DELETED and the account updated to Pays as Agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the permanent DELETE of the late payment notations being reported on my XXXX XXXXXXXX XXXX account. This is an open account that I actively use and pay, yet the bureaus are reporting it as Current while also coding XXXX and XXXX late payments. Metro 2 compliance prohibits an account from being coded both Current and Late in the same reporting cycle. This contradiction is inaccurate and materially misleading. Unless documented proof of accuracy and Metro 2 compliant coding is provided, these late payment notations must be permanently DELETED and the account updated to Pays as Agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the permanent DELETE of the XX/XX/XXXX late payment notation on this XXXX XXXX XXXX  account. TransUnion reports a XXXX late, while Equifax and Experian report Pays as Agreed for the same month. This inconsistency is proof of inaccuracy. Metro 2 standards require consistent reporting across all three bureaus. Under FCRA 1681i, unverifiable and inconsistent information must be deleted. I demand permanent DELETION of this late notation and correction to Pays as Agreed across all bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the permanent DELETE of the late payment notation reporting on my XXXX  account XXXX This is an open account that I continue to pay, yet the bureaus are showing it as Current while also coding a XXXX late. Metro 2 compliance does not permit an account to be reported as both Current and Late within the same period. This is contradictory, false, and unverifiable. Unless certified proof of accuracy is provided, the late payment must be permanently DELETED and the account updated to Pays as Agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the permanent DELETE of the XXXX account. This tradeline is closed and paid, yet the bureaus continue to report it with derogatory late payment notations. Reporting is inconsistent across bureaus : TransUnion shows canceled by grantor, Experian shows closed due to inactivity, and Equifax shows closed by grantor. Metro 2 requires uniform reporting. Contradictory closure coding renders the tradeline unverifiable. Because this closed account provides no positive scoring value and continues to harm my profile, it must be permanently DELETED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the permanent DELETE of the XXXX XXXX account. This account is closed, paid, and carries a XXXX balance, yet Equifax is reporting it as a chargeoff. Experian and TransUnion do not report this account, which proves the data is inconsistent and unverifiable. A paid chargeoff that appears on only XXXX bureau is inaccurate under Metro 2 and unlawful under FCRA 1681e ( b ) and 1681i. Unless certified proof is produced, this account must be permanently DELETED. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies requested my consumer report without my consent or permissible purpose, violating FCRA 1681b. Any person who knowingly and willfully obtains a consumer report under false pretenses violates FCRA 1681q and is subject to civil and criminal liability. These inquiries must be permanently DELETED from my credit file. 

You have 30 days from receipt of this dispute to correct my report and send me an updated copy showing the permanent deletion of all unverifiable or inaccurate information. Failure to comply will result in escalation to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states attorney general, and I will pursue all legal remedies available under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation