Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am demanding the immediate deletion of the following derogatory tradelines that are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Each account listed below contains contradictory, incomplete, or unverifiable information. Under FCRA 1681i, 1681e ( b ), and 1681s-2, you must delete any data that can not be verified with original source documentation. Metro 2 requires consistency across account status, balance, payment history, and comments which is not the case here. 

XXXX XXXX XXXX This XXXX XXXX account is reported as closed with a past-due balance of {$210.00} and derogatory 30, 60, and 90-day late notations. The comments state the account was in dispute resolved by subscriber, yet derogatory marks remain. Under FCRA 1681i and 1681e ( b ), bureaus must assure maximum possible accuracy. Metro 2 requires that when an account is closed and in dispute condition resolved, the reporting must be consistent across all fields. Rolling lates reported after closure and while in dispute status are contradictory and misleading. This account is coded both as closed and delinquent, which can not be accurate at the same time. Remove the derogatory late payment history and past-due status. If XXXX can not provide original system records proving the accuracy of these derogatory remarks after closure and dispute resolution, then the entire tradeline must be deleted. 

XXXX XXXX XXXX XXXX This XXXX XXXX  account is being reported as closed with a charge-off balance of {$1200.00} and coded as seriously past due while also showing charge-off notations in the payment history. The reporting is contradictory. The account type is listed as Open Account but is simultaneously coded as Closed and in collection/charge-off status. Metro 2 requires consistency across account type, status, balance, and payment history fields. Reporting an account as both Open and Closed at the same time with a charge-off balance is inaccurate and misleading. Under FCRA 1681e ( b ) and 1681i, bureaus must correct or delete any unverifiable or inconsistent information. Remove the charge-off remark and all derogatory coding. If XXXX XXXX can not provide original system records verifying the accuracy of these fields, then the entire tradeline must be deleted. 

XXXX  XXXX XXXX This account is reported as a charge-off with multiple late payments while also coded as closed with a zero limit and zero balance activity. The comments state the account was closed due to inactivity with the balance charged off as a loss. Under FCRA 1681s-2, furnishers can not continue to report ongoing derogatory payment history once an account is closed and charged off. Metro 2 guidelines require that when an account is charged off, the reporting must clearly show a final balance or zero and cease coding rolling late payments. Reporting late pays after a closure date is inconsistent, misleading, and unverifiable. Remove the derogatory remarks including all late payment notations and the charge-off status. If XXXX XXXX can not produce original system records validating their right to report derogatory activity after the closure and charge-off, the entire tradeline must be deleted. 

XXXX XXXX XXXX This XXXX  XXXX  account is reported as closed with a zero limit and a charge-off balance of {$830.00}. The comments show the account was closed due to inactivity and charged off as a loss by the creditor. Yet the reporting also includes rolling late payments coded after the closure and charge-off date. Under FCRA 1681e ( b ) and 1681s-2, furnishers and credit bureaus must assure maximum accuracy and consistency. Metro 2 guidelines require that once an account is closed and charged off, no additional late pays should continue to be coded because the account is no longer open to monthly billing cycles. Reporting both a charge-off and additional late payments is internally inconsistent and misleading to future creditors. Remove the derogatory late payment history and the charge-off remark. If XXXX can not provide original system records proving their right to report lates after account closure, then the entire tradeline must be deleted. 

XXXX XXXX XXXX This XXXX XXXX XXXX account is reported as closed with a charge-off balance of {$1200.00}, while also showing rolling 30, 60, and 90-day late payments coded even after the account was closed and charged off. The comments also state purchased by another lender. Under FCRA 1681e ( b ) and 1681i, bureaus must ensure accuracy and remove unverifiable or contradictory information. Metro 2 standards prohibit reporting both a charge-off and continued late payments after closure, and an account sold to another lender can not be coded as still delinquent with the original creditor. The current reporting is inaccurate, misleading, and duplicative. Remove the derogatory late payment history and charge-off remark. If XXXX XXXX XXXX can not provide original system records verifying these fields, then the entire tradeline must be deleted. 

XXXX XXXX XXXX XXXX This XXXX XXXX  account is reported as closed with a charge-off balance of {$840.00} while the account type is coded as Open Account. The reporting is contradictory because the same tradeline can not simultaneously be open and closed. The comments also show the account was assigned to collections, yet the original creditor continues to code it as charge-off. Under FCRA 1681e ( b ) and 1681i, credit bureaus must remove unverifiable or inconsistent information. Metro 2 guidelines require account type, status, and balance fields to align an account sold or assigned can not still be coded as an active delinquent obligation. The current reporting is inaccurate, misleading, and damaging to my credit profile. Remove the charge-off remark and derogatory coding. If XXXX XXXX can not provide original system records verifying the accuracy of these fields, the entire tradeline must be deleted. 

XXXX XXXX XXXXXXXX This XXXX XXXX account is reported as closed and charged off with a past-due balance of {$600.00} while also showing derogatory lates. The comments state the account was in dispute resolved by the subscriber, yet derogatory notations remain. Under FCRA 1681i and Metro 2 reporting standards, once an account is charged off and closed, the furnisher must stop coding ongoing late payments and must accurately reflect the dispute condition code. Reporting both a charge-off and additional rolling lates after closure is inconsistent and misleading. Leaving derogatory marks after noting a dispute resolved status is contradictory and violates the duty of maximum accuracy under 1681e ( b ). Delete the derogatory late payments and the charge-off remark. If XXXX XXXX can not provide original system records validating this data, then the entire tradeline must be removed. 

XXXX  XXXX XXXX This account is being reported as a charge-off with derogatory notations and late payment history. The balance is listed as zero, the account status shows closed, and comments state purchased by another lender. Under FCRA 1681s-2 and Metro 2 standards, once an account has been charged off and sold, the original creditor may not continue to report ongoing derogatory remarks such as late payments or a past-due balance. Reporting zero balance and closed status while simultaneously coding late payments and a collection charge-off is inconsistent and misleading. This tradeline is not being reported in full compliance with accuracy and completeness requirements. Delete the derogatory remarks including all late payments and the charge-off status. If XXXX XXXX can not verify with original system records that they are still legally entitled to report a loss after the account was sold, the entire account must be removed from my file. 

XXXX XXXX XXXX This XXXX  XXXX account is reported as closed and charged off with a past-due balance of {$960.00}, yet the reporting also includes rolling 30, 60, 90, 120, and 150-day late payments coded after the account was closed and charged off. Under FCRA 1681e ( b ) and 1681s-2, furnishers and bureaus must report only accurate and complete information. Metro 2 standards require that once an account is closed and charged off, the creditor must stop reporting new rolling lates since no further billing cycle exists. Reporting both a final charge-off and ongoing late payments is contradictory and misleading. This misrepresentation causes duplicate derogatory scoring impact and violates accuracy requirements. Remove the late payment history and the charge-off remark. If XXXX can not provide original system of record documentation proving the accuracy of these derogatories after the closure and charge-off date, then the entire tradeline must be deleted. 

Incorrect Personal Information Incorrect Name XXXX XXXX Delete immediately. 

Incorrect Name XXXX XXXX Delete immediately. 

Incorrect XXXX XXXX  Delete immediately. 

Incorrect Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delete immediately. 

Incorrect Address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Delete immediately. 

Incorrect Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Delete immediately. 

I demand immediate reinvestigation. If you can not provide original system-of-record documentation ( not screenshots or summaries ) verifying each derogatory remark and charge-off status, then you must delete the entire tradeline. Documentation must include : Original signed contract or agreement Complete transaction history with timestamps Proof of charge-off calculation and date Metro 2 attestation showing consistent coding across all fields Failure to comply constitutes continued violation of the FCRA and will result in escalation to the CFPB, FTC, and State Attorney General.

These accounts are inconsistent, unverifiable, and improperly coded under Metro 2. They are suppressing my FICO payment history unfairly. I am demanding full deletion of these charge-off and collection tradelines unless the creditor provides verifiable, original documentation.

Company response to consumer: Closed with explanation