Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : InaccuracyLegal Name & Address Formatting Re : EQ Report Date : XX/XX/XXXX | Name on file : XXXX XXXX XXXX ( inaccurate ) | Correct : XXXX XXXX XXXX Current Address shown : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ). 
Metro 2 ( Base Segment ) : Field XX/XX/XXXX Name ; XXXX XXXX Address. 
Demand : Standardize to XXXX XXXX XXXX ; correct address formatting to XXXX standard ; MOV. 
Late Months Disputed : XX/XX/XXXX XX/XX/XXXX. 
Independent verification or deletion under XXXX ; XXXX reserved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status Conflict & Terms Not Reported EQ shows : Paid with Balance {$270000.00} and Terms XXXX ; Last Reported XX/XX/XXXXXXXX XXXX show : Open with Terms XXXX. 
Violations : FCRA : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ).

Metro 2 : Field XXXX Account Status ( can not be Paid with non-zero balance ) ; Field XXXX Terms Duration ( XXXX is wrong for a XXXX mortgage ) ; Field XXXX Current Balance ; Field XXXX Date of Account Information. 
Demand : Correct to a single accurate status/terms consistent with the servicers records or delete the tradeline. Provide MOV and the running statement/ledger. 
Late Months Disputed : XX/XX/XXXX XX/XX/XXXX. 
Independent verification per XXXX or deletion ; escalation reserved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transfer Coding/Status EQ Last Reported : XX/XX/XXXX | Comments : Account transferred or sold Violations : Metro 2 : Field XXXX Compliance Condition Code should show XXXX  ; Field XXXX must be closed/zero at transfer ; Field XXXX balance {$0.00} after transfer ; Field XX/XX/XXXX frozen. 
FCRA : 607 ( b ) ; 611 ( a ).

Demand : Correct transfer coding ( close/zero, XXXX  ) or delete ; MOV ; ledger ; dispute XX/XX/XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} ; Balance {$7300.00} ; Limit {$12000.00} ; gaps in XXXX history vs XXXX FCRA : 607 ( b ) ; 611 ( a ) ( 5 ) ( A ).

Metro 2 : Field XXXX High Credit ( can not be {$0.00} where usage exists ) ; Field XXXX XXXX XXXX ; Field XX/XX/XXXX Payment Rating/History must be complete. 
Demand : Populate correct High Credit, fill missing XXXX XXXX XXXX months, or delete. 
Provide MOV and ledger ; dispute XX/XX/XXXX XX/XX/XXXX ; XXXX ; escalation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX same law/fields/demands as XXXX. XXXX XXXX XXXX XXXX {$0.00} with active usage and missing months vs complete TU/EX grid ; demand MOV/ledger ; dispute XX/XX/XXXX XX/XX/XXXX ; XXXX ; deletion if unverifiable. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) High Credit/History Gaps ( Same structure as # XXXX # XXXX : High Credit incorrectly {$0.00} ; fill Payment History Profile ; MOV/ledger XXXX XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX ; deletion if not independently verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High XXXX XXXX XXXX XXXX XXXX Credit {$0.00} while actively used ; several months missing in XXXX mo grid. 
Law/Fields/Demand : As above ( # XXXX # XXXX ). XXXX XXXX ; dispute XX/XX/XXXX XX/XX/XXXX ; XXXX ; XXXX if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Credit/History Gaps ( Same pattern : incorrect High Credit = {$0.00} ; missing payment-history months ; MOV/ledger ; dispute months ; XXXX ; deletion if not verified XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Credit/History Gaps ( Same pattern ; include MOV/ledger ; dispute months ; XXXX ; deletion fallback XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Credit/History Gaps ( Same pattern ; include MOV/ledger ; dispute months ; XXXX ; deletion fallback XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Credit/History Gaps EQ shows High Credit = {$0.00} despite active usage ( Limit {$4000.00} ; Balance {$540.00} ) and missing months vs XXXX 
Law/Fields/Demand : As above ; MOV/ledger ; dispute months ; XXXX ; deletion if unverifiable. 
XXXX ) Inquiries XXXX XXXX XXXX XXXX  Standardization/Duplicates ( Use same structure as XXXX XXXX XXXX tailored to EQs XX/XX/XXXX and XX/XX/XXXX XXXX entries XXXX 
Demand XXXX permissible purpose documentation, standardization, and removal of duplicates ; provide MOV. )

Company response to consumer: Closed with non-monetary relief