Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Subject : Factual Dispute of Inaccurate Reporting Demand for Immediate Deletion Re : Account # XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department, I am formally disputing the inaccurate and inconsistent reporting of the account listed above under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, and in accordance with the Consumer Data Industry Associations ( CDIA ) Metro 2 Format guidelines which govern how credit data is to be accurately and uniformly reported.

Upon review of my credit report from your bureau, I have identified multiple factual errors and violations of both federal law and XXXX XXXX compliance standards. Below is a breakdown of the discrepancies : o TransUnion, Experian, and Equifax are reporting different payment histories for the same account, which violates FCRA 607 ( B ) maximum possible accuracy and XXXX XXXX standards for uniformity. 
o Experian reports multiple 30, 60, 90, 120, and 150-day lates with color coding inconsistent with Equifax and TransUnions record. These discrepancies raise serious doubt about the accuracy of this data. 
o TransUnion and Equifax report a {$0.00} balance, while Experian reports a {$160.00} balance. This directly contradicts XXXX XXXX Current Balance field uniformity requirement and violates FCRA 602 ( A ), which ensures the fair and accurate reporting of consumer information. 
Account Status Conflict : o All three bureaus list this account as Derogatory and Collection/Charge-Off, yet the account is listed as {$0.00} balance with no active payment obligations for TransUnion and Equifax. If charged off and closed, the Collection designation without any ongoing collection activity misrepresents the accounts status. 
Monthly Payment Reporting Violation : o A monthly payment of {$0.00} is reported by all bureaus, but this does not align with XXXX XXXX guidelines if this is a revolving account that had previous active status. The inconsistency further shows the need to verify the accuracy and completeness of this accounts payment terms. 
Credit Limit and High Credit Discrepancies : o TransUnion : High Credit {$740.00} / Credit Limit {$700.00} o Experian : High Credit {$0.00} / Credit Limit {$700.00} o Equifax : High Credit {$160.00} / Credit Limit {$0.00} These variations indicate improper updates and failure to meet XXXX XXXX field alignment and FCRA XXXX ( B ) accuracy mandates. 
o Comments conflict across bureaus : Charged off as bad debt, Unpaid balance reported as a loss, and Account transferred or sold. These are contradictory statuses and violate XXXX XXXX guidelines regarding the Special Comment Code and Account Status Code alignment. 
Pursuant to FCRA 611, I formally request : 1. A full reinvestigation of this account across all three bureaus ; 2. Immediate deletion of all inaccurate, unverifiable, and inconsistent information reported on this account.

3. A corrected and updated copy of my credit report once rectified.

4. Disclosure of the name and contact information of the furnisher that reported these inaccuracies.

Company response to consumer: Closed with non-monetary relief