Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint and demanding immediate correction or deletion of the XXXX XXXX XXXX tradeline currently reported on my Equifax credit file. After reviewing the report, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards adopted by Equifax. 

ACCOUNT DETAILS Furnisher : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

Account Number ( Last 4 ) : XXXX Reported by : Equifax Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reported Balance : {$620.00} Account Status : Closed / Collection Date of Last Activity : Missing VIOLATIONS 1. Metro 2 Violation Missing Date of Last Activity Equifax is reporting this account with no Date of Last Activity ( DLA ). DLA is a required XXXX XXXX field and is essential to properly age and score the account. Its absence makes the data materially incomplete, in direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ).

Despite the account being Closed, Equifax continues to report a recurring monthly balance with no DLA, which simulates new activity and is misleading.

2. Metro 2 Violation Negative Available Credit on a Collection The report also shows a negative available credit ( - {$620.00} ) on this collection tradeline. Collection accounts should not report revolving fields like available credit, high credit, or credit limit these fields apply to active open-end credit products, not purchased charged-off debt. 

This inflates my utilization ratio and is misleading to both scoring models and lenders. This violates Metro 2 guidelines and FCRA 623 ( a ) ( 1 ) ( A ).

3. Metro 2 / FCRA Violation Monthly Balance Updates on a Closed Account Equifax is allowing this Closed collection account to update the same {$620.00} balance every month with no payments or activity. This is a form of re-aging and creates the false appearance of an active, recent debt, which is inaccurate and deceptive under FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ).

4. False Last Payment Date Field Without Any Actual Payments The report shows a " last payment date '' without documenting any payment history. No payment was made, and this field should be blank. This is a fabricated data point and violates the standard of maximum possible accuracy under FCRA 1681e ( b ). 
Additionally, I request the method of verification for the continued reporting of this account per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including all documents, procedures, and data relied upon.

Please note that courts have held that inaccurate or incomplete credit reporting that misrepresents the nature or status of a debt is actionable under the FCRA, including when Metro 2 standards are ignored : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Credit reporting agencies must go beyond a mere parrot of the furnishers information ; failure to do so violates FCRA 1681i. 

Seamans v. Temple University, 744 F.3d 853 ( 3d Cir. 2014 ) : Furnishers may be liable under FCRA 1681s-2 ( b ) if they fail to correct inaccurate data after notice from a CRA.

Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) : Furnishers and bureaus must conduct reasonable investigations including examining the specific disputes raised by the consumer. 

These rulings establish that both data furnishers and CRAs can be held liable when they continue to report incomplete, inaccurate, or misleading information including violations of Metro 2 formatting that materially distort account data.

Company response to consumer: Closed with non-monetary relief