Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Re : Violations in Credit Reporting Practices Under FCRA, FDCPA, and Metro 2 Standards Dear CFPB Investigator, I am submitting this formal complaint against multiple data furnishers and debt collectors for violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Data Industry Association ( CDIA ) Metro 2 Compliance Guidelines. The following accounts contain inaccurate, incomplete, and misleading reporting, resulting in significant harm to my creditworthiness. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as charged-off and open simultaneously, which is contradictory and misleading under Metro 2 Field 17A . The furnisher failed to provide an accurate Date of First Delinquency and reported duplicate balances, violating the FCRA and FDCPA.

* * Violations of Law : * * FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information FCRA 623 ( a ) ( 5 ) ( A ) Failure to Report Date of First Delinquency FDCPA 807 ( 2 ) ( A ) False Representation of Debt Amount Metro 2 Field 17A Account Status Coding Error * * Supporting Case Law : * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account was reported inconsistently across bureaus. TransUnion lists the account as open, while Experian and Equifax mark it closed. Debt validation was never provided, violating FCRA 623 ( a ) ( 8 ) and FDCPA 809 ( b ).

* * Violations of Law : * * FCRA 623 ( a ) ( 8 ) Failure to Validate Prior to Reporting FDCPA 809 ( b ) Validation of Debts Metro 2 Field XXXX Account Type Misclassification * * Supporting Case Law : * * XXXX XXXX Equifax, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX XXXX  This collection account contains inaccurate dates and fails to identify the original creditor, violating FDCPA 809 ( b ) and Metro 2 Base Segment requirements. The account appears re-aged with inconsistent Date of Activity and original open date.

* * Violations of Law : * * FCRA 623 ( a ) ( 5 ) Re-aging of Account FDCPA 809 ( b ) Missing Validation Notice Metro 2 Field 25 Missing XXXX XXXX XXXX  Supporting Case Law : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. Mo. XXXX ) XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charge-off was reported as 'settled for less ' but continues to reflect a derogatory balance. Once settled, the furnisher must update the status to 'Paid Charge-off ' per Metro 2 and FCRA 623 ( a ) ( 2 ).

* * Violations of Law : * * FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Metro 2 Field 11A Incorrect Status for Settled Accounts * * Supporting Case Law : * * XXXX XXXX Equifax, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  This closed auto lease account was paid in full yet still reports multiple late payments. This violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 Field 17A, which require accurate post-closure reporting.

* * Violations of Law : * * FCRA 623 ( a ) ( 1 ) ( A ) Accuracy in Reporting Metro 2 Field 17A Incorrect Post-Closure Status * * Supporting Case Law : * * XXXX XXXX CSC Credit Services, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations : 2 different account numbers. 
The student loan servicer has reported the same loan under two different account numbers, and furnished inaccurate delinquency data by showing 90- and 120-day late payments without any 30- or 60-day lates. This constitutes false, misleading, and incomplete reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ( A ), and Metro 2 compliance standards.

Requested Relief : I request that the CFPB investigate these violations and compel the furnishers to delete the inaccurate accounts listed above. These violations have caused measurable harm and violate both Federal Law and Metro 2 data integrity requirements.

I further request monetary relief for damages sustained due to inaccurate reporting under 15 U.S.C. 1681n and 1681o.

Sincerely,

Company response to consumer: Closed with non-monetary relief