Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted five separate notarized, certified-mail disputes to Equifax regarding the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each dispute contained detailed legal analysis, Metro 2 compliance breakdowns, and supporting documentation ( ID, SSN, utility bill, tradeline screenshots, and proof of financial harm ). Despite this, Equifax failed to properly investigate or correct any of the inaccuracies and either provided generic, automated responses with just copies of my credit report or no meaningful reply at all. This constitutes repeated violations of the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611 ( a ), 623 ( a ) ( 2 ), and Metro 2 reporting standards.

Specific Violations per Account : XXXX XXXX XXXX XXXX ( Account # : XXXX ) : Equifax reports the account as " Current '' with a {$0.00} past due balance, yet shows multiple 120-day late payments, which is contradictory and misleading. The tradeline also omits Metro 2 Condition Codes ( e.g., forbearance ), misreports high credit and credit limit values, and lists a different opening date than other bureaus. These errors were flagged in the May 2 dispute and remain unresolved. 

XXXX XXXX XXXX ( Account # : XXXX ) : This mortgage account is also marked as " Current '' and Open with no past due balance, while simultaneously showing extended 120-day delinquencies. No Metro 2 Condition Codes are present. These contradictions render the account unverifiable and materially misleading. Equifax failed to correct this after the XX/XX/XXXX dispute. 
XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX  ) : Equifax lists a 30-day late for XXXX XXXX while simultaneously showing the account as " Current '' and {$0.00} past due. Payment history before and after is clean. Additionally
, the term is misreported as 0 months despite documentation showing a 252-month loan. These contradictions were addressed in the XX/XX/XXXX dispute. 
XXXX XXXX  ( Account # : 1XXXX XXXX XXXX XXXX XXXX ) : A 30-day late is inaccurately reported for XXXX XXXX even though the account is listed as " Open, '' " Current, '' and with {$0.00} past due. The loan term is also misreported as XXXX months instead of 36, which invalidates the tradeline under Metro 2. These
issues were detailed in the XX/XX/XXXX dispute and ignored. 

XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX ) : This auto loan shows late payments from XXXX to XX/XX/XXXX, despite the account being paid in full and closed with a {$0.00} balance. Equifax reports the account inconsistently from XXXX and XXXX. The presence of lates on a closed, paid account with no balance is not only factually incorrect, but also structurally violates Metro 2 formatting ( Code 11 and Field 17 errors ). These were outlined in the XX/XX/XXXX dispute letter.

Company response to consumer: Closed with non-monetary relief