Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I dispute the following Equifax-reported items pursuant to FCRA 607 ( b ) and 611 ( 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ). Under Cushman v. TransUnion, you must perform a reasonable reinvestigation using independent documentary verification ; codes are not proof. For each alleged late month, provide running statements/ledger showing due date, receipt, and posting. All late months are disputed for each tradeline below. 
Disputed Equifax items XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collection ) o EQ quote : Open ; Placed for collection ; Balance {$740.00} ; Date Last Active XXXX. 
o Law/XXXX XXXX : 607 ( b ), 611 ; Status, Collection indicator, DLA/DOFD.

o Issue : Conflicts with TUs Closed coding; misleading. 
XXXX. XXXX XXXX XXXX XXXX ( collection ) o EQ quote : Open ; Placed for collection ; Past Due {$0.00} ; XXXX XXXX. 
o XXXX : XXXX ( b ), XXXX ; FDCPA XXXX ( XXXX ). 
XXXX XXXX XXXX : XXXX XXXX ( XXXX ) should align with collection/CO status ; XXXX, XXXX. 
o Issue : Reporting Past Due {$0.00} while simultaneously reporting active collection is contradictory. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection ) o EQ quote : Open ; Placed for collection ; XXXX XXXX. 
o Law/XXXX  XXXX XXXX Status conflicts vs Refinanced showing elsewhere ; DLA requires XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o EQ quote : Open ; Placed for collection ; XXXX XXXX. 
o Same defect as # XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( collection ) o EQ quote : Open ; Placed for collection ; XXXX XXXX XXXX 
o XXXX : Open/Closed conflicts with TU. 
XXXX. XXXX XXXX XXXX XXXX CO ) o EQ quote : Closed ; Balance/Past Due {$11000.00} ; High Credit {$28000.00} ; XXXX XXXX XXXX 
o Law/Metro XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
o Issue : High-credit mismatch vs EX and delinquency counts require ledger. 
XXXX. XXXX XXXX XXXX CO loan ( XXXX ) o EQ quote : Closed ; Balance/Past Due {$4700.00} ; XXXX XXXX ; Was 90 days late XXXX time ( XXXX ). 
o XXXX : Conflicts with EX ( XXXX XXXX ). 
XXXX. XXXX XXXX Revolving ( closed ) o EQ quote : Closed ; Balance/Past Due {$490.00} ; High Credit {$560.00} ; Credit Limit {$300.00} ; XXXX XXXX XXXX 
o Law/Metro XXXX XXXX High Credit ( XXXX ) vs other bureaus, XXXX, XXXX XXXX, XXXX. 
XXXX. XXXX XXXX XXXX ( collection ) o EQ quote : Closed ; XXXX ; XXXX XXXX. 
o Issue : Status/date conflicts with EXs XXXX. 
XXXX. XXXX XXXX multiple closed {$0.00} accounts still coded XXXX ( e.g., XXXX ; XXXX ; LOC XXXX ) EQ quotes ( examples ) : Closed/ {$0.00} ; XXXX ; Was XX/XX/year>. 
Law/Metro XXXX XXXX PHP vs XXXX {$0.00}, XXXX, XXXX XXXX 
Issue : Negative portrayal without ledger proof is misleading. 
DEMANDS ( Equifax ) All late months for all items above are disputed. Provide running statements/ledger proving due date, receipt, and posting for each alleged late. Codes are not proof. 
XXXX XXXX XXXX ( St

atus, DLA/DOFD/DLP, Past Due , PHP, High Credit/CL , Special Comments/CCI ( XB while disputed ) ). If not independently verified ( Cushman ), delete the inaccurate entries or delete the entire tradeline ( s ). Failure triggers CFPB/FTC/AG complaints and suit for damages under 15 U.S.C. 616617. Enclosures : Government ID ; Proof of address ;
Highlighted EQ pages ; Audit summary.

Company response to consumer: Closed with non-monetary relief