Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
I am formally disputing the inaccurate and unlawful reporting of the following items on my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA 602A, 607 ( b ), 623 ), the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), and Metro 2 Compliance Standards. Your continued publication of false, contradictory, and misleading information constitutes willful noncompliance and reputational harm. 

I demand permanent deletion of the derogatory accounts, collections, inquiries, personal information, and removal of all inaccurate late payment history. 

Accounts with Inaccurate Late Payments/ Derogatory Coding XXXX XXXX XXXX XXXX XXXX XXXX  Shows paid/closed but derogatory remarks remain. This is misleading and violates FCRA 607 ( b ). Permanently delete derogatory codes and update to Pays as Agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reflects Paid/Current while showing major late codes. Inaccurate and misleading. Permanently delete late payment history and update to Paid as Agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Falsely reporting late payments while marked as Paid/Current. Contradictory, violating FCRA 607 ( b ) and Metro 2. Permanently delete all late payment history and update to Paid as Agreed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reporting inaccurate late payments despite current/paid status. Willful noncompliance with FCRA 623 ( a ) ( 1 ). Permanently delete derogatory history and update to Pays as Agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX Marked paid/closed but coded derogatory. Contradictory reporting violates Metro 2. Permanently delete all negative codes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Marked closed/paid yet reporting derogatory status. Contradiction violates Metro 2. Permanently delete derogatory reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  Shows closed/paid but still reports negative history. Contradictory, violating FCRA 607 ( b ). Permanently delete derogatory reporting.

Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX Reporting as charged-off with inconsistent balance and terms across bureaus. Inaccurate and violates FCRA 623 ( a ) ( 1 ). Permanently delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as charged-off with contradictory coding. False reporting violates Metro 2. Permanently delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off with conflicting balance data. Misleading, violating FCRA 607 ( b ). Permanently delete this account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Charged-off with inconsistent dates and balances. Inaccurate reporting under FCRA 623. Permanently delete this account. 

Collection Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Unverifiable, reported without validation of debt ownership. Violates FDCPA 809 ( b ) and FCRA 623. Permanently delete this collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported without proof of ownership or validation. Violates FDCPA 809 ( b ) and FCRA. Permanently delete this collection. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported as derogatory/collection with inconsistent coding across bureaus. Inaccurate under FCRA 607 ( b ). Permanently delete this account. 

Inaccurate Inquiries XXXX XXXX XX/XX/XXXX Inaccurate, unverified, and no permissible purpose under FCRA 604 ( a ). Permanently delete. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate, unverified, no permissible purpose under FCRA 604 ( a ). Permanently delete. 

XXXX XXXX XXXX XX/XX/XXXX Inaccurate, unverified, no permissible purpose under FCRA 604 ( a ). Permanently delete. 

XXXX XX/XX/XXXX Inaccurate, unverified, no permissible purpose under FCRA 604 ( a ). Permanently delete. 

XXXX XXXXXX/XX/XXXX Inaccurate, unverified, no permissible purpose under FCRA 604 ( a ). Permanently delete. 

Inaccurate Personal Information Incorrect Name XXXX XXXX XXXX Delete immediately. 

Incorrect Name XXXX XXXX XXXX Delete immediately. 

Incorrect Name XXXX XXXX XXXX Delete immediately. 

Incorrect Address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Delete immediately. 

Incorrect Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Delete immediately. 

Incorrect Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Delete immediately. 

Employer XXXX XXXX  Delete immediately. 

Employer XXXX XXXX  Delete immediately. 

Employer XXXX Delete immediately. 

Employer XXXX Delete immediately. 

Employer XXXX XXXX  Delete immediately. 

Employer XXXX  Delete immediately. 

Your reporting obligations are clear. Accounts can not simultaneously reflect Paid or Current while also showing derogatory status. This violates the principle of maximum possible accuracy under FCRA 607 ( b ) and Metro 2 reporting standards. 

I demand you immediately investigate, permanently delete the above derogatory information, and update my file to reflect accurate, lawful reporting. Failure to comply will constitute ongoing willful violations of consumer protection laws. 

You are on notice. I expect a full deletion confirmation within 30 days.

Company response to consumer: Closed with explanation