Consumer complaint received 2024-11-03 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: OH

Complaint narrative:
I am formally disputing erroneous and inconsistent information on my credit report related to the XXXX XXXX  and XXXX XXXX XXXX accounts. These accounts contain blatant errors that violate XXXX XXXX standards and constitute a failure to meet the requirements of the Fair Credit Reporting Act ( FCRA ) 1681s-2. The inaccuracies are damaging and legally indefensible, and I demand immediate correction or removal of these items. Failure to act within 30 days will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the initiation of legal proceedings for damages under 15 U.S.C. 1681n and 1681o. 
XXXX XXXX  - Account Ending in XXXX XXXX. Inconsistent Reporting Across Bureaus : This account displays incomplete reporting across Equifax, XXXX, and XXXX. XXXX XXXX guidelines mandate that all data furnishers report complete and identical information. The lack of information in Equifax and XXXX significantly misrepresents this account. 
XXXX. Incorrect Late Payment Entry : XXXX shows a XXXX late payment, which is unverified and lacks proper documentation across other bureaus. This discrepancy violates XXXX XXXX requirements for consistent reporting and the FCRAs accuracy mandate. 
XXXX. Erroneous High Balance Reporting : The high balance listed by XXXX conflicts with missing data from Equifax and XXXX. This inconsistency inflates my credit utilization ratio and is a clear breach of XXXX XXXX guidelines for accurate balance reporting. 
XXXX. Failure to Report Essential Details : Crucial fields, such as account number, account type, and status, are either missing or inconsistently reported among the bureaus. This lack of complete data further distorts my credit profile and constitutes noncompliance with XXXX XXXX standard for full and accurate reporting. 
XXXX XXXX XXXX - Account Ending in XXXX XXXX. Irregular Reporting of Account Status : The status is listed inconsistently as " Open '' by each bureau, with differences in the reporting of account details, which directly violates XXXX XXXX standards requiring uniform account status across all reporting agencies. 
XXXX. Non-Uniform Payment Frequency and Mortgage Terms : The mortgage terms, including the monthly payment and payment frequency, are reported differently among the bureaus. XXXX XXXX standards require these fields to be consistent, as any deviation negatively impacts my credit evaluation. 
XXXX. Discrepancy in High Balance Information : The high balance figure varies across Equifax, XXXX, and XXXX. XXXX XXXX compliance requires that high balance data be consistent to ensure that my debt load is evaluated accurately. 
XXXX. Inaccurate Last Payment and Last Activity Dates : The last activity and payment dates differ significantly between the bureaus. XXXX XXXX standards require these dates to be accurately and uniformly reported, and the current discrepancies represent a flagrant violation.

Company response to consumer: Closed with non-monetary relief