Consumer complaint received 2025-09-05 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: CO

Complaint narrative:
I am filing this complaint against Equifax, Experian, and furnishers XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX for knowingly reporting false late payment data and refusing to provide lawful validation under both the Fair Credit Reporting Act ( FCRA ) and the Real Estate Settlement Procedures Act ( RESPA ). These violations have caused direct harm to my creditworthiness, finances, and consumer rights. 

Detailed Violations and Legal Grounds XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Report shows status as Open, Current, {$0.00} balance while also attaching multiple 30, 60, and 90-day late codes. 

This violates Metro 2 standards because Account Status, Balance, and Payment Rating must align. An account can not be reported as both current and delinquent. 

Under FCRA 609 ( a ) ( 1 ), I requested original source documentation of the alleged lates. None has been provided. 

By re-reporting unverifiable derogatories after my disputes, Equifax and Experian triggered mandatory deletion under FCRA 611 ( a ) ( 5 ). 

XXXX XXXX failed its duty under FCRA 623 / 15 USC 1681s-2 ( b ) to reasonably investigate. 

Additionally, under RESPA Section 6 ( e ), I am entitled to a proper response to my Qualified Written Request for account history and payment application. No adequate response was provided, violating RESPAs servicing requirements. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Reporting status : Paid/Closed with {$0.00} balance, yet still coded with numerous 30, 60, and 90-day late marks. 

A fully satisfied loan can not lawfully be reported as delinquent. This misalignment is another Metro 2 violation.

XXXX has not provided proof of late payments despite repeated disputes, violating FCRA 609 ( a ) ( 1 ). 

Re-reporting unverifiable lates constitutes willful non-compliance under FCRA 611 ( a ) ( 5 ).

XXXX further violated RESPA Section 6 ( b ) by failing to investigate and correct inaccurate servicing information when challenged, and Section 6 ( c ) by furnishing false data despite my request for clarification. 

XXXX  ( XXXXXXXX XXXX XXXX ) XXXX XXXX Reported a high balance of {$920.00} with a {$0.00} balance and closed status, plus a false late payment. 

Equifax and Experian displayed contradictory fields ( Closed/Paid vs Delinquent ), which breaches Metro 2 reporting standards. 

Under FCRA 611 ( a ) ( 1 ) ( A ), the bureaus had 30 days to reinvestigate with proof ; no verifiable evidence has been produced.

The absence of original payment history or transaction records violates both FCRA 609 ( a ) ( 1 ) and RESPA Section 6 ( e ), as the data can not be validated.

Harm Caused The unlawful reporting of late payments has reduced my FICO scores, damaged my access to affordable credit, and forced me into higher interest costs. These inaccuracies portray me as delinquent when my accounts are either current or paid in full. The refusal to validate under RESPA and FCRA has caused financial harm and emotional distress. 

Relief Requested Immediate deletion of all unverifiable late payments across these tradelines.

If furnishers can not provide original, contemporaneous records ( signed agreements, timestamped payment histories ), then permanent deletion of the entire tradelines is required under FCRA 611 ( a ) ( 5 ).

Enforcement of RESPA Sections 6 ( b ), 6 ( c ), and 6 ( e ) to ensure proper responses to my written requests for validation.

Written certification that future reporting will strictly follow Metro 2 standards.

Company response to consumer: Closed with explanation