Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
Re : Dispute of Account Information and Request for Investigation Dear Sir/Madam, I am writing to formally dispute the following accounts that appear on my credit report. These accounts contain multiple errors, and I respectfully request that you investigate and remove the inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611. In addition, I believe there may be issues related to data breaches and incomplete reporting under FCRA regulations and Metro-2 standards. 
Below is a summary of the accounts that are in dispute, including the reasons for each dispute. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : This account was marked as " closed '' and " in dispute '' without proper investigation into the account status. The reported balance of {$1300.00} was never verified or substantiated by the original creditor. As such, this violates FCRA 607 ( b ), which mandates that information be accurate, and XXXX, which requires a thorough investigation of disputed items. 
Data Breach Concern : There is potential for unauthorized access to my personal information linked to this account. 
Requested Resolution : Removal of this account, or verification and proper reporting if valid. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : This account is reported inaccurately, and the balance of {$970.00} is incorrect. The status is being reported as " in dispute, '' which should be removed under FCRA 605B due to non-compliance with the proper investigation. Additionally, the balance has been listed incorrectly, which violates the FCRAs accuracy standards. 
Data Breach Concern : Unauthorized handling of sensitive data may have occurred, as this account shows discrepancies in the reporting. 
Requested Resolution : Remove this account unless valid documentation can be provided to substantiate the balance and status. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX : While this account is listed as open and in good standing, there are discrepancies in the payment status, as it was reported as late despite consistent payments. This violates FCRA XXXX, which mandates that negative information be reported accurately. 
Requested Resolution : Correct the payment history and ensure that no negative entries are present. 
XXXX. XXXX XXXX XXXX Account Number : 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  Original Creditor : Educational Loan Dispute Reason : Several of the accounts listed under this creditor show multiple late payments ( as much as XXXX instances of being XXXX days late ). However, this appears to be reported inaccurately under FCRA 1681i ( a ) ( 1 ) ( A ) as the data was not verified during a prior investigation, and it violates the FCRAs accuracy requirement. 
Data Breach Concern : The multiple late payment entries may reflect errors linked to previous breaches of my personal data. 
Requested Resolution : Remove the erroneous late payment reports, or verify their legitimacy through proper documentation. 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Dispute Reason : The status of this account shows " charge-off, '' but the reporting is inconsistent across bureaus. This violates the FCRAs requirement for accurate and consistent reporting across all bureaus. Additionally, the reporting of a balance of {$550.00} when the account has been closed for some time appears to be a violation of XXXX regarding the obligation to correct inaccuracies. 
Requested Resolution : Remove the charge-off status, or verify and update the report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief