Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of the XXXX XXXX account currently appearing on my credit profile. The information being reported is inconsistent, inaccurate, and unverifiable across all three major credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Compliance Standards.

1. Inconsistent and Unverifiable Reporting Upon reviewing my credit files from TransUnion, Experian, and Equifax, the following discrepancies were found : High Balance and Current Balance conflict across bureaus : TransUnion reports a high balance of {$1900.00} and current balance {$1700.00}. 

Experian reports {$1900.00} for both high and current balances.

Equifax reports a {$0.00} high balance, which is false and unverifiable. 

Date Reported and Date of Last Activity differ : TransUnion XXXX XXXXXX/XX/XXXX Experian : XX/XX/XXXXXXXX Equifax XXXX XXXXXX/XX/XXXX These conflicting dates prove the data furnisher is not reporting in a standardized, verifiable manner, violating FCRA 607 ( b ) and Metro 2 Field 280 rules. 

Payment Status Discrepancies : TransUnion lists the account as Current, while Experian and Equifax show Late 30 Days.

This inconsistency indicates failure to report accurate payment history, violating FCRA 623 ( a ) ( 1 ) ( A ) ( duty to provide accurate information ).

Credit Limit Discrepancies : Equifax lists {$1800.00} as Amount in H/C column is credit limit, TransUnion and Experian both report {$1800.00} but with differing balance details, showing the furnisher is not following Metro 2 data field consistency requirements. 

Late Payment Reporting Errors : All three CRAs report multiple late payments ( 30, 60, 90, and 120 days ) that are not supported by consistent dates or verified payment records. 

Some months ( e.g., XXXX XXXX ) show different delinquency levels among CRAs, which is a clear violation of FCRA 607 ( b ) and FDCPA 807 ( 8 ) ( false representation of credit information ). 

Because these inconsistencies demonstrate that this account can not be verified or accurately substantiated, I am requesting its immediate deletion from my credit profile.

2. FCRA & FDCPA Violations FCRA 602 ( A ) : Consumers have the right to fair and accurate reporting. 

FCRA 607 ( b ) : CRAs must ensure maximum possible accuracy of information.

FCRA 611 ( a ) ( 1 ) ( A ) : If an item can not be verified after a reinvestigation, it must be deleted within 30 days.

FCRA 623 ( a ) ( 3 ) : A furnisher must not report information it knowsor should knowto be inaccurate.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable data must be promptly removed.

FDCPA 807 ( 8 ) : Prohibits communicating credit data known to be false or misleading. 

FDCPA 809 ( b ) : Requires suspension of collection or reporting until verification is provided.

The repeated Late 30 Days and 120 Days Late notations are inconsistent and unverifiable, failing to meet these federal accuracy standards. 

3. Metro 2 Compliance Violations Under Metro 2 Data Furnisher Guidelines, furnishers must : Report identical data across all credit bureaus. 

Maintain consistent dates for Date of Last Activity, Date Reported, and Account Status. 

Remove or correct unverifiable and inconsistent payment history.

The discrepancies in my reports prove noncompliance with Metro 2 Section 3, Field 282 ( Date of Account Information ) and Field 580 ( Account Status History ).

Therefore, under both FCRA 611 ( a ) and Metro 2 Compliance, this account should be deleted or corrected immediately. 

4. Request for Immediate Action Given the multiple inconsistencies, unverifiable data, and reporting violations, I am requesting the following : Full deletion of the ALLY CC account from all three credit reports if the data furnisher can not provide documented verification within 30 days. 

Immediate removal or reversal of all late payments for the following months : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries are inconsistent and unverifiable and must be removed under FCRA 607 ( b ) and Metro 2 Section 580. 

Written confirmation from each CRA stating whether this account has been deleted or corrected in compliance with FCRA 611 ( a ) ( 5 ) ( A ) within 30 days.

If verification can not be completed, remove this account as unverifiable per FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ).

5. Fair and Lawful Resolution I expect this account to be deleted or corrected within 30 days, per federal law. If unresolved, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FCRA, FDCPA, and Metro 2 Reporting Standards.

Company response to consumer: Closed with non-monetary relief