Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Date of birth listed is incorrect XXXX  XXXX XXXX Credit Card Inconsistent & Inaccurate Reporting Account Opened : XXXX Credit Limit : {$2300.00} Reported Balances : {$1100.00} ( Experian ), {$1100.00} ( TransUnion ), {$0.00} ( Equifax ) Status : Closed by credit grantor / Closed due to inactivity / Closed Current Action Taken by XXXX XXXXXXXX XXXX : Closed the account Actions Taken by You : Made payments timely, brought balance to {$0.00} What Happened : Between XX/XX/XXXX and XX/XX/XXXXXXXX XXXX  XXXX XXXX reported inconsistent balances, credit limits, and comments across all three bureaus. Equifax began reporting a {$0.00} credit limit, which is inaccurate because the true limit was {$2300.00}. The Date Last Active and remarks differed between bureaus, creating material inaccuracies. 

You contacted XXXX XXXX  XXXX by phone in XX/XX/XXXX, and they advised you the account was closed in good standing. However, negative and conflicting reporting remained. 



XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect 90-Day Late Payments Account Number : ending XXXX Loan Amount : {$15000.00} Opened : XX/XX/XXXX Closed : XXXX Reported Delinquency : 90 Days Late ( XXXX XXXX ) Actual Status : Paid close-out amount and loan was closed with {$0.00} balance Actions Taken by You : Last payment made XX/XX/XXXX Loan fully satisfied Actions by SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX to each bureau Marked the account 90 days late AFTER it was paid/closed What Happened : SC XXXX XXXX XXXX reported 90-day late payments in a period where the account was already closed and paid off. TransUnion lists the Date of Last Payment as XX/XX/XXXX, while Equifax reports the last payment as XX/XX/XXXX, which is false. 

This resulted in a misleading delinquency, negatively impacting your score. 



3. Affirm Missing & Inconsistent Payment History Loan Amount : {$150.00} {$400.00} range ( multiple purchases ) Opened : Throughout XXXX Status : Paid on time Reported Issue : Missing months of payment history Action Taken by You : Completed payments timely Contacted Affirm support Action Taken by Affirm : Reported incomplete payment blocks Failed to provide a full history to all bureaus What Happened : In XXXX and XXXX, Affirm reported incomplete or blank payment monthscreating an understated payment pattern. You paid your installments consistently, but the payment history was not recorded properly. This resulted in inaccurate reporting. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} Opened : XXXX Status : Completed/Closed Reported Issue : Missing monthly data & inconsistent status Action Taken by You : Completed lease Requested verification Action Taken by XXXX : Reported partial data Could not provide full month-by-month records What Happened : XXXX reported missing months and inconsistent status remarks to different bureaus. When you contacted them on XX/XX/XXXX, they could not provide a full payment history. Under FCRA, this means the data is unverifiable. 



XXXX. XXXX XXXX / EDC Rental Tradeline Missing Rental History Rental Amount : {$1100.00} monthly Lease Period : XXXX Reported Issue : Some months missing payment history Action Taken by You : Paid rent each month Requested ledger copies Action Taken by XXXX : Provided incomplete reporting to bureaus Left several on-time payments unreported What Happened : From XX/XX/XXXX through XX/XX/XXXX, several months of on-time payments were not reported. This made your rental tradeline appear inconsistent and incomplete. 



XXXX. Hard Inquiries No Permissible Purpose Dates of Inquiries : XXXX Companies : Banks, finance companies, auto lenders, retail credit systems, and lenders you did not authorize Action Taken by You : Did not apply for credit Did not authorize pulls Notified bureaus to remove Action Taken by Companies : Pulled your credit without written authorization Provided no documented permissible purpose What Happened : Between XXXX and XXXX, multiple lenders accessed your credit report without your permission. FCRA 604 requires companies to have a valid permissible purpose. Several inquiries violate this rule and must be removed.

Company response to consumer: Closed with non-monetary relief