Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and unlawful credit reporting by the national consumer reporting agencies Equifax, Experian, and TransUnion, and their continued verification of disputed information without providing original documentary proof. 

Despite multiple written disputes, the bureaus have re-verified inaccurate information and failed to provide documentation substantiating the alleged delinquency, constituting willful disregard of my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Background Upon reviewing my credit reports, I identified a series of billing errors and reporting violations associated with the account XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXXXXXX XXXX XXXX ( reported across all XXXX  bureaus ) XXXX XXXX This account is paid, closed, and carries a {$0.00} balance, yet all three credit bureaus are reporting inaccurate and derogatory late payment remarks. The reporting is non-compliant, inconsistent, and misleading, creating a false impression of delinquency and harming my creditworthiness. 

Legal Basis and Billing Error Violations Under 15 U.S. Code 1666 ( b ) ( Billing Error Act ), the following billing errors have occurred : 1666 ( b ) ( 4 ) : The creditor failed to properly reflect payments or credits made. 

1666 ( b ) ( 5 ) : A computation or accounting error occurred on the creditors statement. 

Failure to Provide XXXX Notice : The creditor did not issue a billing statement at least XXXX  days prior, invalidating any alleged late payment. 

These billing errors invalidate any delinquency being reported. I demand documentary proofbank account records, payment history, or billing statementsfrom the furnisher ( XXXX  XXXX XXXX ) showing non-payment. To date, no such evidence has been provided by any bureau or the furnisher. 

FCRA & Metro 2 Violations Across All Three Bureaus Despite prior disputes, the bureaus have re-verified inaccurate information without documentation, violating multiple provisions of the FCRA and Metro 2 CRRG : FCRA 602 Reporting materially misleading data that harms creditworthiness.

FCRA 607 ( b ) Failure to maintain reasonable procedures ensuring maximum possible accuracy.

FCRA 611 ( a ) Re-verification of disputed data without furnishing original proof.

FCRA 623 Furnisher failed to verify, validate, or correct inaccurate information.

Metro 2 CRRG ( Fields XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) : Multiple inconsistencies violating mandatory completeness and consistency standards. 

Inconsistent Reporting Details Across Bureaus Each bureau has reported conflicting data for this same account. For example, the Account Status is shown as Paid by XXXX bureau and Open by others ; the High Credit is reported as {$0.00} by XXXX bureau and {$610.00} by the others ; and the Date Opened varies between XX/XX/year>, and XX/XX/year>. 

Similarly, key date fields like Date Last Active, Date of Last Payment, and Last Reported differ between Equifax, Experian, and TransUnion. These inconsistencies violate Metro 2 and FCRA 607 ( b ) because all data must be accurate, uniform, and consistent across repositories. 

Specific Reasons for Dispute ( All Bureaus ) I am demanding that the late payment remarks and all inaccurate reporting elements on this XXXX  XXXX XXXX account be updated to reflect Paid as Agreed for the following reasons : Account Paid & Closed ( {$0.00} Balance ) : Late payment reporting on a paid, closed account violates FCRA 602, 607, and Metro 2. 
Lack of Verification : The account has been verified multiple times without original documentation proving delinquency ( FCRA 611 ( a ) ). 
False Account Status : Reported as Open on some bureaus and Paid on others an inconsistency violating Metro 2 XXXX. 
Incorrect High Credit : Reported as {$0.00} by XXXX bureau, {$610.00} by others violates XXXX field requirements. 
Inconsistent Open Dates : Reported as XX/XX/year>, by some, and XX/XX/year>, by others violates XXXX Metro 2 standards. 
Misreported Dates : Differences in Last Reported, Date Last Active, and Date of Last Payment reflect data integrity errors. 
Failure to Correct Upon Dispute : Multiple disputes sent ; all bureaus re-verified without lawful evidence, a willful disregard of rights. 
Billing Error : No XXXX statement notice before alleged late payment ( 15 U.S.C. 1666 ( b ) ). 
No Proof of Permissible Purpose : Bureaus have not shown the lawful basis or consent for reporting unverified derogatory data.

Metro 2 Violations : Data fields XXXX, XXXX, XXXX, XXXX, XXXX are inconsistent, incomplete, and unverifiable, violating XXXX XXXX standards. 

Consumer Harm Due to these violations, I have experienced : Credit denials and adverse credit decisions Unjustly high interest rates XXXX  XXXX  and reputational harm Loss of fair access to credit opportunities These damages qualify under 15 U.S.C. 1681n, establishing civil liability for willful noncompliance. 

Requested Relief I respectfully request the following corrective actions : Immediate correction of this account to reflect Paid as Agreed status on all XXXX  bureaus. 
Removal of all late payment remarks associated with this account. 
Written certification that the bureaus have purged all personal identification documents post-verification ( 16 CFR 682.3 ). 
Reinvestigation conducted in good faith, supported by original documentation, not automated responses. 
Confirmation that all inconsistent and unverifiable data has been updated in compliance with FCRA 611 ( a ) and Metro 2 CRRG. 
Failure to comply will result in formal legal action and referral to the State Attorney General, FTC, BBB, and CFPB XXXX XXXX for willful violations of federal law. 

Summary In summary, I am disputing this account and its reported information because : It is inaccurate, inconsistent, unverified, and non-compliant ; It reflects false delinquency on a paid, closed account ; It violates multiple FCRA, TILA, and Metro 2 provisions ; The bureaus have failed to lawfully reinvestigate despite repeated disputes. 
Accordingly, I demand that the account be updated to Paid as Agreed across all reporting agencies and written confirmation of compliance be provided.

Company response to consumer: Closed with non-monetary relief