Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 compliance standards across four tradelines : XXXX XXXXXXXX ( Acct # : XXXX ), XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Acct # : XXXX ), and XXXXXXXX XXXX XXXX  XXXX ( Acct # : XXXX ). On the XXXX  XXXX tradeline, Equifax is reporting a 30-day late mark in XX/XX/XXXX, yet all subsequent months are marked OK with no continuity of delinquency, violating FCRA 1681e ( b ) and XXXX XXXX guidance which requires accounts that are brought current to be reflected accurately using Status Code 11 ( Current account, was delinquent ). Additionally, the Date Last Active and Date of Last Payment conflict with other bureaus, and Equifax fails to disclose how this data was verified post-dispute, violating 1681i ( a ) ( 6 ) ( B ) ( iii ). On the XXXX account, Equifax mirrors this pattern of contradiction by reporting 30-day and 60-day late marks for XXXX and XX/XX/XXXX while simultaneously stating the payment status is Pays as agreed an impossibility if the account was past due, and a direct violation of 1681e ( b ) due to materially false status codes. The last reported payment date also does not align with the severity of delinquency claimed. Again, no method of verification or dispute response has been provided. On the XXXXXXXX XXXX XXXXXXXX XXXX Equifax reports the account as Open with a {$350.00} balance and not more than two payments past due, while both XXXX  and XXXX  report this same account as closed with {$0.00} balance and resolved delinquency. This creates internal bureau conflict and proves Equifax is not receiving, verifying, or reporting consistent furnisher data, which violates 1681i and Metro 2 obligations to ensure uniformity across reporting platforms. Finally, on the XXXX XXXX XXXXXXXX. account, Equifax reports an open revolving account with {$0.00} balance and $ XXXX  monthly payment but omits critical fields like Credit Limit, High Credit, Account Type Detail, and Date of Last Payment. This materially incomplete data suppresses scoring potential and is non-compliant with Metro 2 formatting for revolving accounts, violating 1681e ( b ). None of the accounts listed include a valid XXXX  or XXXX dispute code, nor has Equifax disclosed how any previously disputed items were reinvestigated or verified, violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Based on these systemic reporting failures and lack of transparency, I am demanding the immediate and permanent deletion of all four accounts from my Equifax consumer file. Equifax is reporting false, contradictory, incomplete, and unverifiable data that materially harms my credit profile and suppresses my access to fair credit decisions. If these accounts can not be fully verified and brought into Metro 2 compliance, deletion is the only legal remedy.

Company response to consumer: Closed with non-monetary relief