Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX, Experian and Equifax is reporting outdated, incorrect, or unassociated personal identifiers. These entries violate FCRA 602 ( A ) and 607 ( b ). Items to Correct/Delete : Addresses : 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 XXXX XXXX XXXX XXXX XXXX duplicate ) Employer : XXXX EMPLOYEE Requested Action : Remove all inaccurate information ; maintain only current identifiers. 2 Unauthorized / Improper Hard Inquiries Summary : Multiple hard inquiries lack permissible purpose under FCRA 604 ( a ) and are damaging my credit score. Inquiries to Remove : XXXX XXXX XXXX XXXX ( unauthorized applications ) XXXX XXXXXXXX XXXX XXXX Personal Loans XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / XXXX  Any duplicate/repeated inquiries Requested Action : Delete all unauthorized or unverifiable inquiries immediately. XXXX XXXX XXXX XXXX  Metro-2 / Reporting Errors Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary : Inaccurate high credit reporting, inconsistent scheduled payments, missing/contradictory fields, and balance spikes violate FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ). Requested Action : Reinvestigate fully ; correct or delete all unverifiable/inaccurate data. XXXX XXXX XXXX Inaccurate Reporting Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary : Irregular past due amounts, missing scheduled payments, and high balances violate Metro-2 standards and FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ). Requested Action : Correct or delete all inaccurate reporting immediately. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary : Balance jumps, inconsistent scheduled payments, and irregular high credit reporting violate Metro-2 standards, FCRA 607 ( b ), and 623. Requested Action : Correct or delete all inaccurate data immediately. 

I am filing a complaint because the furnisher ( XXXX ) are reporting inaccurate, incomplete, and unverifiable information on my credit report. The XXXX Card account is reporting a 30-day late payment for XX/XX/year>, even though the account is reported as Paid as Agreed and shows conflicting closure remarks ( XXXX canceled by XXXX XXXX and XXXX closed XXXX. These data points contradict each other and violate XXXX reporting standards, which require consistent, non-conflicting account status coding. This information is inaccurate and misleading and does not meet the FCRA 's requirements for maximum possible accuracy under 15 U.S.C. 1681e ( b ). The furnisher also appears to be violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by reporting information it knew or should have known was inaccurate. In addition, the information can not be properly verified as required under 15 U.S.C. 1681i during a reinvestigation. I disputed the incorrect reporting, but XXXX  continues to report the same inaccurate information, which means the CRA is not fulfilling its obligations under FCRA 611 to conduct a reasonable reinvestigation. I am requesting the CFPBs assistance to require XXXX  and the furnisher to properly investigate the dispute, provide documentation that verifies the accuracy of the reporting, and correct or delete the inaccurate information.

Company response to consumer: Closed with explanation