Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
The data on my Equifax file conflicts with the furnished records and with cross-bureau reporting, which violates FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( a ) ( reasonable reinvestigation ). Unverifiable or inconsistent data must be deleted or corrected under 1681i ( a ) ( 5 ) ( A ). Where late payments are involved, TILA 1666b requires a 21-day billing notice before a payment can be treated/reported as late. Metro 2 also bars a 30 code unless a payment is 31+ days past due and requires internally consistent Status/Pay Status/Remarks coding. 
XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Deposit related ) What Equifax shows : Charge Off, Pay Status Collection/Chargeoff, Narrative Codes XXXX ; Balance {$0.00} ; Activity Designator : Paid ; Date Closed XX/XX/XXXX. ( See Exhibit A, Equifax pdf dated XX/XX/XXXX. ) Why its wrong : A paid, {$0.00} balance account can not simultaneously carry current charge-off/collection Pay Status. Metro XXXX requires paid/closed coding ( Base Segment = Paid ; no active derogatory pay status ). 
Requested fix : Recode to Paid Closed {$0.00} Balance ; remove Charge Off/Collection Pay Status and any ongoing derogatory notation tied to post-closure months. 
XXXX XXXX XXXX XXXX, XXXX. Auto Acct # XXXX What Equifax shows : Scattered XXXX lates ( XXXX ) despite continuous monthly payments ; Last payment XX/XX/XXXX ; Status Pays As Agreed. ( See Exhibit B, Equifax pdf XX/XX/XXXX. ) Why its wrong : No payment was 31+ days late ; my XX/XX/XXXX installment posted XX/XX/XXXX ( exactly 30 days ). Under Metro 2, a 30 code may not be used unless XXXX days past due. Reporting these marks also fails 1681e ( b ) and, absent 21-day notice, TILA 1666b. 
Requested fix : Delete the XX/XX/XXXX ( and any similar ) 30-day late codes and align the grid to OK for those months ; maintain Pays As Agreed. 
XXXX ) XXXXXXXX XXXX XXXX XXXX  Acct # XXXX What Equifax shows : XXXX XXXX {$900.00}, High Credit {$760.00}, XXXX XXXX late in XX/XX/XXXX though the account is otherwise current ; Balance {$44.00} ; Last payment XX/XX/XXXX. ( See Exhibit C, Equifax pdf XX/XX/XXXX. ) Why its wrong : The XX/XX/XXXX payment was not 31+ days late and subsequent months are current ; a single XXXX in that context is mis-coded under Metro 2 and misleading under 1681e ( b ). 
Requested fix : Remove the Nov 2023 30 and reflect a continuous OK history. 
Legal notice & requested process Treat this as a directed, manual reinvestigation. Please contact the furnishers with an A-CDV/AUD and obtain documentary support ( ledger/statement and coding rationale ), not a generic verified response. 
If any furnisher can not produce documentation establishing the accuracy of the exact codes and dates at issue, delete the inaccurate data per 1681i ( a ) ( 5 ) ( A ). 
Provide me a written results letter showing each furnishers name, contact, the data you relied upon, and the specific changes made. 
If Equifax continues publishing inaccurate or unverifiable data after this notice, I will proceed with a CFPB complaint and seek damages for willful/negligent noncompliance under XXXX.

Company response to consumer: Closed with non-monetary relief