Consumer complaint received 2025-11-24 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: NE

Complaint narrative:
I am filing a complaint because XXXX XXXX  is being reported inaccurately and inconsistently across all three credit bureaus. There are multiple contradictory tradelines for the same account, all listed under the same account number ( XXXX ), but each tradeline contains different balances, different statuses, different dates, different payment histories, and even different classifications. This violates the Fair Credit Reporting Act ( FCRA ) because the information is not accurate, not consistent, not complete, and not verifiable. 

Across Experian, Equifax, and TransUnion, the XXXX XXXX  account appears as : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( duplicate ) All three entries reference the same account number and same credit limit ( {$300.00} ), but the reporting is conflicting in the following ways : Two different balances are reported : {$290.00} and {$160.00}. 
These accounts can not represent the same debt if the balances differ. The balance updated dates are also different ( XX/XX/2025 vs. XX/XX/2025 ), which demonstrates inconsistent and unreliable reporting. 

The same account is reported as three different account types : Credit Card Revolving Revolving account A single account can not have three different classifications.

The same account shows two different status descriptions : XXXX XXXX  account as agreed Paid or paying as agreed These conflicting statuses are materially misleading. 

The same XX/XX/2025 late payment is reported across multiple tradelines, creating duplicate derogatory information. 
Duplicate late-month reporting inflates the negative impact and violates the requirement for maximum possible accuracy under FCRA 1681e ( b ).

The same account is showing two different last payment dates : XX/XX/2025 XX/XX/2025 This is not possible for a single account. 

The same account shows different credit usage percentages : 99 % utilization ( $ XXXX {$300.00} ) 54 % utilization ( $ XXXX {$300.00} ) This would only be possible if these were different accounts, but they are not they have the same account number and open date. 

Status update dates differ across tradelines : Status updated XX/XX/2025 XXXX updated XX/XX/2025 ( different balance and details ) These conflicting updates show the account is being furnished inconsistently. 

One bureau reports 1 late payment, while another reports Pays as agreed.

This is contradictory. The account can not be both in good standing and delinquent at the same time.

The reporting is incomplete.

There is no payment history displayed for most months, even though the account is open and active. Missing payment data is considered incomplete reporting under the FCRA.

The same credit card is being reported multiple times under different furnishers ( XXXX XXXX vs. XXXX XXXX XXXX  ). 
This creates the appearance of multiple accounts when there is only one. Duplicate reporting is strictly prohibited and considered materially misleading.

All of the above demonstrates that XXXX XXXX  and the credit bureaus are not following reasonable procedures to assure maximum possible accuracy of the information, in violation of FCRA 1681e ( b ). Additionally, the contradictory data makes the account unverifiable under FCRA 1681i ( a ), and the bureaus must delete or correct the tradelines.

Company response to consumer: Closed with non-monetary relief