Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
Equifax reports this account as Account XXXX : Paid/Current while showing XXXX {$550.00} ( report date XX/XX/XXXX ). XXXX correctly show Open/Current with the same balance. EquifaxXXXX fields are internally inconsistent. 
XXXX cited : FCRA XXXX ( b ) ; XXXX ( a ) ( XXXX ) ( A ) ; XXXX ( a ) ( XXXX ) ( A ) ; XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX defects : Account Status, Current Balance, Date of Account Information, any Payment History Profile/Special Comment that presumes closure while reporting an active balance. 
Demand : Correct to Open/Current with coherent fields ( or, if truly paid, {$0.00} balance and appropriate closed status ) or delete if not verifiable. Provide running statements/ledgers ( due date, receipt, posting ) supporting each month. Codes are not proof. 
Enclosures : ID, address proof, highlighted pages. 
Sincerely, XXXX XXXX XXXX XXXX ) Equifax XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status/Balance Conflict Subject : FCRA Dispute Mutually Inconsistent Status vs. Balance ( XXXX ) Equifax shows Paid/Current yet XXXX an XXXX Balance {$800.00} ( XX/XX/XXXX ). XXXX both show Open/Current. This is inaccurate and misleading. 
XXXX XXXX and Demands : Same structure as XXXX XXXX  XXXX ( correct to coherent status/balance or delete ; provide ledgers ; codes are not proof ; XXXX ( a ) ( XXXX ) ( A ) deletion if not verifiable ). 
Sincerely, XXXX XXXX XXXX XXXX ) Equifax XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) Contradictory Charge-Off XXXX. Settled Coding Subject : Formal FCRA Dispute Improper Collection/Chargeoff with {$0.00} Balance & XXXX XXXX Equifax XXXX XXXX Status : Collection/Chargeoff with {$0.00} balance/ {$0.00} past due, while comments claim both Unpaid balance reported as a loss and Account legally paid in full for less than the full balance / Settlement accepted. A current charge-off can not coexist with {$0.00} and settlement. 
Law : XXXX ( b ) ; XXXX ( a ) ( XXXX ) ( A ) ; XXXX ( a ) ( XXXX ) ( A ) ; XXXX ; XXXX XXXX XXXX XXXX. XXXX. 
XXXX XXXX : Account Status, Current Balance, Amount Past Due, Special Comment ( settled/paid for less ), Payment History Profile, Compliance/XXXX, Date of Account Information. 
Demand : Recode to paid/settled was a charge-off ( with accurate XXXX  ) or delete if the furnisher can not provide complete ledgers proving each reported late/charge-off event. Codes are not proof. 
Sincerely, XXXX XXXX XXXX XXXX ) Equifax XXXX XXXX  ( Possible Duplicate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; both opened XX/XX/XXXX ) Subject : FCRA XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX the same open date and similar closure context. If these are not distinct agreements, one must be deleted. 
Law : XXXX ( b ) ; XXXX ( a ) ( XXXX ) ( A ) ; XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX : Account Number, Date Opened, Account Status, Date Closed, Current Balance. 
Demand : Provide independent verification that both are separate obligations ( distinct agreements and ledgers ). Otherwise, delete the duplicate. Codes are not proof. 
Sincerely, XXXX XXXX XXXX XXXX ) Equifax Personal Information Accuracy Subject : FCRA XXXX Accuracy Standardize Identifiers

Company response to consumer: Closed with non-monetary relief