Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX Personal Loan Request : Full Deletion Under FCRA 607 ( b ), FCRA 623 ( a ) ( 5 ), and Metro-2 Violations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SUMMARY OF DISPUTE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This report outlines multiple verified violations in the reporting of my XXXX XXXX XXXXXXXX XXXX personal loan. 
The account contains : Illegal re-aging Contradictory Metro-2 coding Impossible dates False payment history Reporting as both a collection and a charge-off Missing required fields These errors make the account * * unverifiable * *, requiring * * full deletion * *. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 1 ILLEGAL RE-AGING ( FCRA 623 ( a ) ( 5 ) ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My Date of First Delinquency ( DOFD ) occurred in XXXX. 
However, the account is reporting late payments across XXXX and XXXX. 
This is prohibited because : DOFD determines the XXXX reporting period DOFD CAN NOT legally be changed ( re-aged ) Reporting new late payments after charge-off is illegal This alone requires deletion under FCRA. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 2 ORIGINAL CREDITOR REPORTING AS A COLLECTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX/Equifax/XXXX show : Collection account. Written off. Past due. 
XXXX XXXX is * * not * * a collection agency. 
Under Metro-2 : Charge-off = code 97 Collection = code 93 Original creditors must NOT report collection status This mixed coding is illegal. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 3 WRITTEN OFF + PAST DUE CONTRADICTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A written-off account must NOT show : Past due amount Ongoing delinquency Collection status Yet this account shows ALL THREE, which violates : FCRA 607 ( b ) Metro-2 reporting format -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 4 IMPOSSIBLE LAST PAYMENT DATE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Report shows : Last payment : XX/XX/XXXX This is impossible because : Status date = XX/XX/XXXX Charge-off occurred before this No payments were made after XXXX This is fabricated reporting must delete. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 5 MISSING REQUIRED PAYMENT HISTORY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Payment history appears as : Data unavailable Under FCRA 611 ( a ) ( 5 ) ( A ) : If a furnisher can not provide complete, verifiable payment history, * * the bureau must delete the account entirely. * * -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 6 STATUS CONFLICT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account is simultaneously listed as : Closed Written off Collection Past due Updated in XXXX Showing payments after closure Metro-2 does not allow multiple primary statuses. 
This confirms the account is * * unverifiable * *. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I request FULL DELETION of the XXXX XXXX XXXX XXXX personal loan from my credit file. 
Under FCRA : Unverifiable delete Inaccurate delete Re-aged delete Contradictory delete Missing fields delete -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ATTACHED EVIDENCE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Screenshot : inaccurate late-payment chart Screenshot : account details Screenshot : status contradictions XXXX XXXX XXXX XXXX Personal Loan Request : Full Deletion Under FCRA 607 ( b ), FCRA 623 ( a ) ( 5 ), and Metro-2 Violations XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SUMMARY OF DISPUTE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This report outlines multiple verified violations in the reporting of my XXXX XXXX XXXX XXXX personal loan . 
The account contains : Illegal re-aging Contradictory Metro-2 coding Impossible dates False payment history Reporting as both a collection and a charge-off Missing required fields These errors make the account * * unverifiable * *, requiring * * full deletion * *. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 1 ILLEGAL RE-AGING ( FCRA 623 ( a ) ( 5 ) ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My Date of First Delinquency ( DOFD ) occurred in XXXX. 
However, the account is reporting late payments across XXXX and XXXX. 
This is prohibited because : XXXX determines the XXXX reporting period DOFD CAN NOT legally be changed ( re-aged ) Reporting new late payments after charge-off is illegal This alone requires deletion under FCRA. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 2 ORIGINAL CREDITOR REPORTING AS A COLLECTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX/Equifax/XXXX  show : Collection account. Written off. Past due. 
XXXX XXXX is * * not * * a collection agency. 
Under Metro-2 : Charge-off = code 97 Collection = code 93 Original creditors must NOT report collection status This mixed coding is illegal. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION XXXX WRITTEN OFF + PAST DUE CONTRADICTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A written-off account must NOT show : Past due amount Ongoing delinquency Collection status Yet this account shows ALL THREE, which violates : FCRA 607 ( b ) Metro-2 reporting format -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 4 IMPOSSIBLE LAST PAYMENT DATE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Report shows : Last payment : XX/XX/XXXX This is impossible because : Status date = XX/XX/XXXX Charge-off occurred before this No payments were made after XXXX This is fabricated reporting must delete. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION XXXX MISSING REQUIRED PAYMENT HISTORY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Payment history appears as : Data unavailable Under FCRA 611 ( a ) ( 5 ) ( A ) : If a furnisher can not provide complete, verifiable payment history, * * the bureau must delete the account entirely. * * -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VIOLATION 6 STATUS CONFLICT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account is simultaneously listed as : Closed Written off Collection Past due Updated in XXXX Showing payments after closure Metro-2 does not allow multiple primary statuses. 
This confirms the account is * * unverifiable * *. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I request FULL DELETION of the XXXX XXXX XXXX XXXX personal loan from my credit file. 
Under FCRA : Unverifiable delete Inaccurate delete Re-aged delete Contradictory delete Missing fields delete -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ATTACHED EVIDENCE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Screenshot : inaccurate late-payment chart Screenshot : account details Screenshot : status contradictions Statement : XXXX XXXX

Company response to consumer: Closed with explanation