Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
Re : Formal Dispute & Request for Independent Reinvestigation ( FCRA 607 ( b ), 611 ; 623 ; Reg V ) Fraud-Alert Consistency : XXXX  shows an extended fraud alert and XXXX  shows a security alert ( beginning XXXX ). Your file shows NONE REPORTED. If you received notice of an extended alert, update per 605A. 
Dear Equifax, For each item below, I dispute all reported late months and demand an independent reinvestigation. Provide running statements/ledgers with due date, date received, and date posted for every late month. Metro 2 codes/verified responses arent proof. XXXX requires independent verification. If you can not verify to that standard, delete the late ( s ) or the entire tradeline, and maintain dispute coding per 623 ( a ) ( 3 ). 
Items Disputed ( Equifax file ) 1 ) XXXX  XXXX ( collector ) Collections improperly carrying late-payment aging Your file shows : Collection account with Late 120 Days and Days Late 7 Year History : 90 : 2 ; also Factoring Companies, Open / Late 120 Days, Balance {$1200.00}, Consumer disputes this account information. 
Violations : FCRA 607 ( b ) ; 611 ( a ) ; 623 ( a ) ( 1 ) ( A ) ; Reg V ; ( FDCPA if third-party collector ).

Metro 2 : Collections ( Portfolio Type C / Account Type 09 ) must not carry XXXX Rating ; DOFD required. 
All late months are disputed. Provide OC DOFD and full account ledger/chain-of-title. 
If not independently verified, delete the lates and the collection. 
2 ) XXXX Charge-off vs history contradiction ( cross-bureau ) Your file shows : Collection/Chargeoff with extended 30/60/90/120 lates in XXXX. 
Conflict : XXXX  shows charge-off with no lates. 
Violations : 607 ( b ) ; 611 ( a ) ; 623 ; Reg V.

All late months are disputed. Provide monthly ledgers for each late ; reconcile Current Balance / Past Due / Charge-off Amount fields. If not verified per XXXX, delete the lates and charge-off or the entire tradeline. 
XXXX ) XXXX  XXXX ( acct ending XXXX ) Paid/Closed yet positive balance Your file shows : Paid / Closed / Current ; Accounts closed by credit grantor with Balance {$370.00} and Paid. 
Violation : A paid/closed account shouldnt show a positive Current XXXX ( b ) ; Reg V integrity. 
Metro 2 : Account Status = paid/closed requires Current Balance {$0.00} ; ensure Date Closed and Special Comment align.

All late months are disputed. Provide ledgers. If not verified, correct to {$0.00} or delete. 
XXXX ) XXXX XXXX Late XXXX with {$10.00} past due ( support required ) Your file shows : Open / Derogatory / Late 30 Days, Past Due {$10.00}. 
Demand : Provide ledger proof for each late you display ( e.g., XX/XX/XXXX ). If not verified to XXXX standard, delete the late or the tradeline. 
XXXX XXXX XXXX XXXX  Creditor/industry/type mismatches Your file shows : Open / Current / Auto, but creditor type appears as Personal Loan Companies with a slightly different balance than XXXX  for the same period. 
Violation : 607 ( b ) ( accuracy ) ; Reg V ( integrity ).

Metro 2 : Industry Code / Account Type / Current Balance must align across reporting cycles.

Demand : Reconcile to correct Auto loan coding and harmonize balances ; if not verifiable, delete the inaccurate fields.

Company response to consumer: Closed with non-monetary relief