Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : False Late Payment Reporting, Post-Closure Delinquency Codes, and Repeated Violations of Metro 2 Accuracy Standards This complaint is being submitted against Equifax Information Services LLC, Experian Information Solutions Inc., and TransUnion LLC for willful and negligent noncompliance with the Fair Credit Reporting Act and the Metro 2 Credit Reporting Resource Guide. Each of these credit bureaus has published inaccurate, unverifiable, and inconsistent data related to several accounts in my consumer credit file, including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. These accounts are being reported with factual impossibilities, post-closure delinquency codes, and misaligned Metro 2 fields that have collectively caused measurable harm to my credit reputation, financial opportunities, and emotional well-being. 

The XXXX XXXX XXXX account is a clear example of Metro 2 violations. Each bureau reports this account as closed with a XXXX balance, yet all three show 30- and 60-day late payments after the closure date. Under Metro 2 data field standards, once an account is reported as closed and carries a XXXX balance, no further delinquency codes or negative payment indicators can appear in subsequent months. This inconsistency violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which require data furnishers and credit bureaus to maintain maximum possible accuracy. The continued presence of late-payment codes after closure is materially false and misleading, constituting willful noncompliance under XXXX. Furthermore, all three reports show different High Credit, Credit Limit, and Last Reported dates for the same account, confirming that the information can not be verified and is noncompliant with Metro 2 field alignment rules. 

The XXXX tradeline demonstrates the same data integrity failures. Despite being closed and paid in full with a XXXX balance, the bureaus continue to report 30-day lates in later months. Metro 2 prohibits delinquency reporting once an installment account has reached closure and full repayment. The mismatch between the Account Status, Payment Rating, and Date of Last Payment fields creates a factual impossibility, one that would not exist under lawful data furnishing. TransUnions investigation response dated XX/XX/year>, confirmed that no original billing statements or signed documentation were used in verification, relying solely on automated e-OSCAR responses. Such electronic validation does not meet the FCRAs definition of a reasonable reinvestigation under 611 ( a ) and 1681i, and its continued use after notice constitutes willful neglect. The presence of late payments after closure misrepresents my payment behavior and unlawfully depresses my creditworthiness. 

The XXXX account is even more egregious. Each bureau reports conflicting balances, dates of last payment, and account statuses, with some listing it as charged off while others list it as current or closed. The data also contains impossible payment sequences, such as 120- and 150-day late codes after the account was charged off. This directly contradicts Metro 2 reporting protocol, which forbids continued delinquency coding after charge-off. The furnisher failed to align its Payment Rating, Date of Last Payment, and Account Status fields, leading to systemic noncompliance. Despite multiple disputes, none of the credit bureaus have provided any physical validation such as original statements or charge-off letters. This omission violates FCRA 1681i and 1681e ( b ), both of which require reasonable procedures to ensure data accuracy. Each bureaus refusal to remove or correct these misaligned entries represents willful disregard for federal law and has materially damaged my credit file. 

The XXXX XXXX account further confirms noncompliance. Equifax has already deleted this tradeline after failing to verify it, yet Experian and TransUnion continue to publish conflicting charge-off data with multiple late-payment codes long after the account was closed. Reporting a closed account with recurring delinquency markers is a direct breach of the Metro 2 data formatting requirements and violates FCRA 607 ( b ). The bureaus reliance on incomplete or automated verification processes, instead of original documentation, shows willful neglect and reckless disregard for accuracy. Because one bureaus deletion of the same tradeline proves unverifiability, all remaining instances of this account should be deleted immediately from Experian and TransUnion for failure to meet the FCRAs standard of maximum possible accuracy. 

The reports also contain inaccuracies in personal information. Addresses such as XXXX XXXX XXXX XXXX, XXXX, NJ XXXX and employers such as XXXX XXXX XXXX and XXXX XXXX XXXX are being reported without verification or authorization. These errors are not only outdated but risk misassociation with unrelated consumers. Under FCRA 607 ( b ) and 604 ( a ), credit bureaus are required to maintain accurate identifiers and prevent the dissemination of unverified or obsolete personal data. The continued publication of such data demonstrates gross negligence and a failure to employ reasonable procedures as required by federal law.

Each of these issues illustrates a pattern of disregard for compliance with both the Fair Credit Reporting Act and the Metro 2 Credit Reporting Resource Guide. The credit bureaus reliance on automated verification, refusal to provide original documentation, and publication of contradictory data show that no lawful reinvestigation ever took place. Their actions have led to suppressed credit scores, denial of financing, and emotional distress resulting from repeated false reporting. The FCRA clearly establishes that failure to delete unverifiable or inconsistent data constitutes willful noncompliance and subjects the bureaus to civil liability under 1681n.

Company response to consumer: Closed with non-monetary relief