Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent reporting of the following account on my credit reports from XXXX XXXX and Equifax : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Type : Auto Loan Installment Upon reviewing my credit file, I have identified multiple violations of the Metro 2 Credit Reporting Guidelines and the Fair Credit Reporting Act ( FCRA ). The reporting of this account is factually inconsistent, incomplete, and misleading for the reasons listed below : Metro 2 and FCRA Compliance Violations : Inconsistent Account Status Across Bureaus : XXXX  and XXXX  list this account as " Repossession '' with a derogatory status. 

Equifax lists the status as Open with a payment status of XXXX XXXX  Days. 

These conflicting statuses can not simultaneously be true and reflect inconsistent reporting, which violates FCRA 607 ( b ) and Metro 2 standards for uniformity.

Zero Monthly Payment Yet Open Account : A {$0.00} monthly payment is reported while the account is shown as open with a balance due, which is illogical and non-compliant. If the vehicle was repossessed, there should not be an active open installment obligation without a monthly payment.

Past Due Amount Misreported : A past due amount of {$6700.00} is listed across all bureaus despite the account being in repossession. After repossession, the amount should be either charged-off or updated to reflect post-repossession collections or deficiency balancenot reported as currently past due. 

Comment Conflicts & Reinvestigation : Equifax lists the account as Consumer disputes- reinvestigation in progress and Consumer disputes this account information, yet continues to report derogatory information during an active dispute, violating FCRA 611 and Metro 2 guidelines which require that disputed accounts be properly marked and updated. 

Late Reporting After Voluntary Surrender : The account is marked as a Voluntary Repossession/Surrender, and yet Equifax reports late payments even after the surrender date. This is a contradictiononce a vehicle is voluntarily surrendered, late payments should no longer accrue as the contract is effectively terminated. 

Re-Aging of Account Information : The Date Last Active and Date of Last Payment differ significantly across bureaus ( XXXX  shows XX/XX/year> vs. Equifax showing XX/XX/year> ). This may indicate an attempt to re-age the account to keep it on the report longer, which violates FCRA and Metro 2 guidelines.

Action Requested : Due to the clear violations and discrepancies outlined above, I am formally requesting the following : An immediate investigation and reinvestigation under FCRA 611.

Removal or accurate correction of this account to ensure consistency across all bureaus, in accordance with Metro 2 and FCRA standards.

Written confirmation of the completion of the investigation and any changes made to the account reporting. 

If the furnisher and credit reporting agencies continue to report inconsistent or inaccurate information after this dispute, I will have no choice but to escalate this matter, including filing formal complaints with the State Attorney General, and pursuing legal remedies as allowed under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief