Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My IdentityIQ three-bureau credit report dated XX/XX/XXXX, reference XXXX, contains multiple inaccurate, inconsistent, and unverifiable items across Experian, Equifax, and TransUnion. These errors violate the Fair Credit Reporting Act ( FCRA ) and industry Metro 2 reporting standards.

Below are specific examples with dates and account identifiers ( masked to last XXXX ) : XXXX. Inaccurate Public Record XXXX XXXX Bankruptcy ( Experian ) On the Public Information section of the report, Experian is reporting a XXXX XXXX bankruptcy with the following details : Type : XXXX XXXX Bankruptcy Status : Discharged Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has not provided any underlying court documentation, docket printout, petition, or properly sourced record to verify that this public record is being reported with maximum possible accuracy as required by FCRA 607 ( b ) or to identify the source of the information as required by 609 ( a ) ( 1 ). Any verification via third-party vendors without producing actual court records is not a reasonable reinvestigation under 611 ( a ). 

This public record is unverified and unsupported and must be deleted if the furnisher and Experian can not provide actual source documentation. 

XXXX. XXXX XXXX XXXX Accounts Showing XXXX Late While in Deferment Multiple XXXXl student loan tradelines are reporting XXXX late payments even though the accounts are in deferment/payment deferred with {$0.00} monthly payment : Examples from the Account History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} Monthly Payment : {$0.00} Comments ( all bureaus ) : Payment deferred/ Student loan payment deferred and Subscriber reports dispute resolved consumer disagrees. 

XXXX-year history shows a XXXX delinquency code in XXXX on all three bureaus while the account is still marked payment deferred with {$0.00} due. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance around {$1800.00} Monthly Payment : {$0.00} Comments : Payment deferred/ Student loan payment deferred / Subscriber reports dispute resolved consumer disagrees. 

Equifax shows a XXXX code in XXXX even though payments are deferred and {$0.00} are due. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All labeled as Educational Installment, Payment deferred, Monthly Payment {$0.00}, Student loan payment deferred, and Subscriber reports dispute resolved consumer disagrees. 

TransUnion, Experian, and Equifax show XXXX delinquency codes in XXXX while the comments clearly state payment deferred and no current payment obligation. 

It is factually impossible for these accounts to be XXXX days late during periods when the servicer states in the comments payment deferred and the monthly payment is {$0.00}. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not report information they know or should know is inaccurate.

FCRA 623 ( a ) ( 3 ) duty to provide complete and accurate information.

FCRA 607 ( b ) CRAs must use reasonable procedures for maximum possible accuracy.

Under Metro 2 student loan reporting standards, deferment/forbearance should be properly coded rather than as a XXXX delinquency. These late codes are inconsistent with the account status and comments and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Dispute Remark ( Open, Current Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From the XXXX XXXX  installment tradeline : Account Type : Auto Loan Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60000.00} Monthly Payment : {$1100.00} Status : Open / Current / {$0.00} past due Comments : TransUnion : Dispute resolved; customer disagrees Experian : Subscriber reports dispute resolved consumer disagrees. 

Equifax : Auto / Fixed rate This is a current, open, paid-as-agreed auto loan. The continuing remark Dispute resolved ; customer disagrees is inaccurate and misleading because the account is not actively in dispute and is being paid on time. 

Under : FCRA 611 ( a ) ( 5 ) ( A ) inaccurate or outdated dispute comments must be removed when they no longer accurately reflect the consumers current position.

FCRA 607 ( b ) information must be reported with maximum possible accuracy. 

I am requesting removal of the dispute remark so that the account reflects current, open, paid as agreed with no derogatory dispute language. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Limit : {$300.00} Balance : {$140.00} Monthly Payment : {$20.00} Status : Open / Current / {$0.00} past due Comments : TransUnion : Dispute resolved; customer disagrees/ Secured credit card / Amount in H/C column is credit limit.

Again, this is a current, on-time secured card. The ongoing remark Dispute resolved ; customer disagrees is misleading and punitive. If there is no active dispute, the continued reporting of a dispute code is inaccurate.

This violates : FCRA 611 ( a ) ( 5 ) inaccurate dispute remarks must be deleted.

FCRA 607 ( b ) maximum accuracy standard. 

I am requesting that all three bureaus remove the dispute language on this account and report it simply as a current, open secured credit card with no dispute notation. 

XXXX. Self / Lead Bank Inaccurate Charge-Off and Delinquency Pattern ( Equifax ) XXXX Revolving Secured Credit Card XXXX XXXX XXXX  ( Equifax ) * * From the XXXX tradeline on Equifax : Type : Revolving, Secured credit card Opened : XX/XX/XXXX ( EQ ) Balance : {$0.00} High Credit : {$220.00} Comments : Paid charge off / Payment after charge off/collection / Secured credit card. 

Payment Status : Collection/Chargeoff Payment history shows a XXXX XXXX XXXX 120 day late sequence in XXXX even though the account is now {$0.00} balance and paid. 

The way this tradeline is coded and updated is misleading and not clearly tied to accurate dates of first delinquency, cure, or charge-off. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) reporting inaccurate late-payment history.

FCRA 607 ( b ) CRA accuracy obligations. 

Once a charge-off is paid and the balance is {$0.00}, it must be clearly and accurately reported as a paid charge-off with accurate dates and no continued updating as if still actively derogatory. I am requesting a full reinvestigation and correction, or deletion if the furnisher can not provide exact records to support each reported delinquency. 

XXXX. XXXX XXXX Charge-Off Reporting and Delinquency Pattern XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tradeline : Type : Revolving credit card Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Limit : {$300.00} Balance : {$0.00} Payment Status : Collection/Chargeoff Comments : TransUnion : Payment after charge off/collection. 

Experian : Dispute resolved ; reported by grantor. Account was in dispute now resolved reported by subscriber. Unpaid balance reported as a loss by credit grantor. 

Experian payment history shows a sequence of XXXX lates through XXXX. 

I dispute the accuracy and completeness of the late-payment pattern and charge-off reporting on this account. The furnisher and CRAs must be able to provide full documentation of the payment history and dates of first delinquency, not just automated codes. 

Under : FCRA 611 ( a ) reasonable reinvestigation 623 ( a ) furnishers must report accurately 607 ( b ) accuracy standard If the furnisher can not supply primary records proving each delinquency, the late-payment history and/or tradeline should be corrected or deleted. 

XXXX. XXXX XXXX Federal Charge-Off Ongoing Derogatory Status After Payoff ( Equifax ) There is a prior XXXX XXXX  revolving trade on Equifax : XXXX XXXX XXXX XXXX XXXX XXXX Experian ) and a related XXXX XXXX tradeline on Equifax marked derogatory : Opened : XX/XX/XXXX Status : Collection/Chargeoff / Derogatory Balance : {$0.00} Comments include : Subscriber reports dispute resolved consumer disagrees. Unpaid balance reported as a loss by credit grantor. 

Last reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the related XXXX derogatory tradeline with comment Consumer disputes after resolution / Paid charge off. 

The account is {$0.00} balance and paid, but is still coded as derogatory/collection/chargeoff with ongoing dispute narrative, which misrepresents the current status. 

This is misleading under : FCRA 607 ( b ) maximum possible accuracy FCRA 611 ( a ) ( 5 ) obsolete or inaccurate dispute language must be removed.

I am requesting that this be updated to a closed, paid account with accurate historical status, or deleted if accurate coding can not be maintained. 

XXXX XXXX XXXX XXXX  Buy Now Pay Later Cluster Structural Inconsistencies and Duplicative Reporting ( TransUnion ) There is a large cluster of Affirm and XXXX installment accounts opened in rapid succession in XXXX, reported primarily on TransUnion only, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit {$130.00}, Term XXXX months Many of these tradelines : Report only on TransUnion with no matching entries on Experian or Equifax. 

Contain inconsistent terms, high-credit amounts, and structures that do not clearly align with actual repayment activity. 

Are highly duplicative in nature, cluttering the report and making it unclear whether they are being reported in a manner consistent with XXXX XXXX installment standards. XXXXThis raises concerns under : FCRA 607 ( b ) maximum possible accuracy FCRA 623 ( a ) furnishers must ensure accurate and complete reporting Metro 2 principle that each tradeline must reflect one a
ccurate, verifiable account with consistent terms and payment history. 

I am requesting that all XXXX  tradelines be fully verified with original creditor records, and that any inaccurate, duplicative, or unverifiable trades be deleted.

Company response to consumer: Closed with explanation