Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally disputing the accuracy of the accounts listed below and requesting that each account be immediately updated to Pays As Agreed. The current reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and the XXXX XXXX XXXX XXXX ( XXXX ). The information furnished on my credit profile is inconsistent, contradictory, unverifiable, and does not meet the requirement of maximum possible accuracy under FCRA XXXX ( b ). 

Additionally, the bureaus have not conducted a lawful reinvestigation under FCRA XXXX, and the furnishers are supplying information they know or should know is inaccurate, in violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 

Below is a detailed description of the reporting errors and legal deficiencies requiring correction. 

XXXX. XXXX XXXX XXXX XXXX Account Requested Outcome : Update to Pays As Agreed and remove all derogatory codes. 

This account contains numerous conflicting fields across Equifax, Experian, and TransUnion : A. Contradictory Dates Date Opened differs across bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 

Date Last Active varies significantly ( XX/XX/XXXX vs. XX/XX/XXXX vs. XX/XX/XXXX ). 

Date of Last Payment is inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ). 

These discrepancies violate : FCRA XXXX ( b ) maximum possible accuracy XXXX XXXX requirement that dates must align across all bureaus for the same tradeline B. Impossible Delinquency Coding The account is reported as open, yet shows : XXXX delinquency XXXX delinquency Contradictory late sequences in the XXXX history This is impossible under XXXX XXXX coding and demonstrates failed data integrity. 

XXXX Inaccurate Past-Due Amount The past-due amount does not mathematically align with : Monthly payment amount High credit Payment history XXXX Data Misalignment Makes the Account Unverifiable Because core fields ( dates, balances, delinquency sequence ) do not match, the account fails FCRA reinvestigation standards. 

Required Correction Per FCRA and XXXX XXXX, the only compliant action is to remove all derogatory codes and update the account to : Pays As Agreed, Current, No Late Payments XXXX. XXXX XXXX XXXX XXXX  Requested Outcome : Update to Pays As Agreed and remove all late payments. 

This account is paid/closed with a {$0.00} balance, yet the bureaus continue reporting inaccurate derogatory information. 

A. Inconsistent Critical Fields Date Opened differs ( XX/XX/XXXX vs. XX/XX/XXXX ). 

Date Last Active differs across bureaus. 

Date of XXXX XXXX contradicts reporting. 

B. Invalid Derogatory Reporting Despite being paid/closed, the bureaus still show : XXXX lates XXXX lates A derogatory XXXX history Metro XXXX does NOT allow derogatory codes to XXXX after : The account is paid in full No balance remains Dates are contradictory XXXX Payment History Does Not Match Account Status Under XXXX XXXX : A paid/closed installment loan can not legally retain delinquency codes unless verified with consistent supporting data The inconsistent dates prove it can not be verified Required Correction The account must be updated to : Pays As Agreed, XXXX Derogatory Remarks, Clean Payment History XXXX. XXXX XXXX Experian-Only Account Requested Outcome : Update to Pays As Agreed or full deletion if unverifiable. 

The uploaded Experian documents show severe deficiencies : A. Missing Payment History There is no valid payment history to justify a XXXX delinquency code. 

B. Contradictory Account Fields The account is coded open But also shows 180 days late And has no payments since XXXX This is impossible under XXXX XXXX formatting. 

XXXX No Original Documentation Provided The furnisher has not produced : Contract Loan ledger Proof of permissible purpose Itemized accounting Original unaltered documents Under FCRA XXXX, unverifiable accounts must be deleted or corrected. 

Required Correction Because the data is incomplete, unverifiable, and contradictory, Experian must : Update to Pays As Agreed or Delete Entirely XXXX. Identity Theft & Data Breach Compromise Your documents show your identity was part of the Equifax Data Breach, meaning furnishers can not rely on : Breach-affected data Reconstructed accounts Corrupted records This further invalidates delinquency reporting and triggers : FCRA XXXX ( a ) unverifiable data must be deleted XXXX ( b ) billing errors must be corrected LEGAL BASIS FOR PAYS AS AGREED ACTION XXXX. FCRA XXXX ( b ) : Maximum Possible Accuracy The reported data fails this standard. 

XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishing information known or that should be known to be inaccurate. 

XXXX. FCRA XXXX : Failure to verify inconsistent data requires removal or correction. 

XXXX. XXXX XXXX CRRG Standards All tradelines must have : Matching dates Consistent payment sequences Correct status codes No contradictory fields All three accounts fail these mandatory standards. 

FINAL REQUIRED ACTION Because the reported data across all three bureaus is inconsistent, contradictory, misleading, and unverifiable, and because these accounts fail XXXX XXXX and FCRA XXXX, the only legally permissible correction is : * * UPDATE ALL ACCOUNTS TO PAYS AS AGREED AND REMOVE ALL DEROGATORY INFORMATION * * This ensures truthful, accurate, complete, and compliant reporting and prevents further harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief