Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I am submitting this complaint regarding multiple credit accounts reported inaccurately on my credit file. Upon thorough review of my tri-merge credit report, I have identified multiple Metro 2 compliance violations across several tradelines, including but not limited to : Re-aged dates of last activity and delinquency Inconsistent reporting of account statuses across bureaus Omission of required fields such as high credit, credit limit, and last payment date Incorrect reporting of collection accounts as open or active tradelines These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681s-2, and 623 ( a ) ( 5 ). The Metro 2 format is the industry standard for credit reporting, and the failure of data furnishers to maintain accuracy and consistency has resulted in misleading and harmful information being reported under my name. 
I am requesting a full investigation and resolution, including the deletion or correction of any tradelines that do not conform to federal law and Metro 2 standards. 
XXXX. XXXX XXXX Charged-Off Credit Card I am disputing the reporting of a XXXX credit card account that is listed as charged off. The account is reporting inconsistently across all three credit bureaus. The Date of Last Activity ( DLA ) is reported as XX/XX/XXXX on Equifax, XX/XX/XXXX on TransUnion, and XX/XX/XXXX on Experian. This inconsistency suggests re-aging of the account by Experian, which violates FCRA 623 ( a ) ( 5 ) and Metro 2 compliance standards that require accurate and consistent delinquency dates. 
Additionally, there are missing or inconsistent data fields. Experian reports a {$0.00} High Credit, while TransUnion and Equifax show values near {$9000.00}. Equifax fails to report the correct credit limit. These omissions render the tradeline incomplete and misleading under FCRA 1681e ( b ). I request immediate investigation and correction or deletion of this tradeline. 

XXXX. XXXX Paid Charge-Off This account was originally a point-of-sale installment loan through XXXX. It was charged off, but I subsequently paid the balance in full. Despite that, it is still reporting as a charge-off with a {$0.00} balance, without updating the payment status to reflect that it was paid after charge-off. 
The Payment Status is inaccurately reported as Collection/Chargeoff instead of the appropriate Metro 2 code for a paid charge-off. Additionally, the Date of Last Activity is listed as XX/XX/XXXX, even though the final payment was made in XX/XX/XXXX, which indicates incomplete or outdated reporting. These inaccuracies violate FCRA 1681s-2 ( a ) ( 1 ) ( A ) and Metro 2 guidelines. I am requesting full investigation and update or removal of this tradeline from my report. 

XXXX. XXXX XXXX XXXX XXXX Charged-Off Loan This account appears on both TransUnion and Experian as a charge-off. While balances and statuses appear aligned, there is a slight discrepancy in the Date Opened ( XX/XX/XXXX vs XX/XX/XXXX ), and I am requesting confirmation that the tradeline has not been re-aged and that all data fields meet Metro 2 formatting standards. Please investigate this account to ensure full compliance with FCRA 1681e ( b ) and 1681s-2 ( a ). 
XXXX. XXXX This account is being reported by XXXX XXXX Management as a collection account originally from XXXX XXXX  ( XXXX XXXX XXXX with a charge-off status. I am formally disputing this tradeline as unauthorized and invalid. 
I applied for a credit card through XXXX, but I never received, activated, nor used the card. I was never billed, never received a welcome letter, card, nor any communication from the issuer. I had no opportunity to accept or reject the account terms, and I did not knowingly create any charges. 
Therefore, any charges or balance allegedly owed are fraudulent, inaccurate, or the result of administrative error. Reporting this as a valid debt constitutes a violation of : FCRA 1681s-2 ( a ) furnishing information that is inaccurate or unverifiable FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i failure to properly investigate a disputed account Furthermore, the tradeline shows evidence of re-aging, with inconsistent dates of last activity across bureaus ( e.g., TransUnion lists XX/XX/XXXX while Experian and Equifax list earlier dates ), violating FCRA 623 ( a ) ( 5 ) and Metro 2 standards. 
I am requesting immediate deletion of this account from all credit reporting agencies. 
XXXX. XXXX XXXX XXXX XXXX ( Disputed Collection ) This collection account is reporting under my name for a past XXXX XXXX, but I am currently a XXXX customer in good standing. I have not received any notice of default or billing closure that would justify a collection account. I suspect this tradeline is fraudulent, duplicated, or due to a billing error. This violates FCRA 1681s-2 and 1681i for failure to verify data before reporting. I am requesting immediate removal of this account from all credit reporting agencies. 
XXXX. XXXX XXXX ( XXXX ) Charged-Off Credit Card I am disputing the reporting of an XXXX XXXX credit card listed as charged off. This account contains conflicting and incomplete information. Experian lists the Date of Last Activity as XX/XX/XXXX, while TransUnion and Equifax report XX/XX/XXXX and XX/XX/XXXX, respectively. The inconsistency in XXXX indicates re-aging of the account on Experian, in violation of FCRA 623 ( a ) ( 5 ).

Furthermore, Experian reports a High Credit of {$0.00}, which is clearly inaccurate. TransUnion and Equifax report the correct high balance ( {$1400.00} ), but fail to list the correct {$1000.00} credit limit, which only appears on Experian. These data gaps violate FCRA 1681e ( b ) and the Metro 2 reporting standard for complete and uniform credit file data. I am requesting a full investigation and deletion or correction of this tradeline.

Company response to consumer: Closed with non-monetary relief