Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Pursuant to FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), I dispute the accuracy/completeness of the following Equifax entries . As required by Cushman v.

TransUnion, obtain independent documentary verification ; codes are not proof. Provide running statements/ledger ( due date, receipt, posting ) for every late. All late months are disputed. 
Disputed Equifax entries XXXX. XXXX XXXX XXXX XXXX XXXX ( Open ), Acct # [ XXXX ] o Quoted EQ : Open ; Monthly Payment {$270.00} ; Balance {$11000.00} ; Past Due {$300.00} ; Payment Status : Late60Days ; Date Last Active : XXXX. 
o Law/XXXX  XXXX : 607 ( b ), 611 ; Reg V 1022.42 ; Payment Rating/PHP, Past Due , DLA/DLP, Status.

o Why : Requires ledger for each late ; activity dates must be consistent. 
XXXX. XXXX Line of Credit ( Open, {$0.00} ), Acct # [ last-4 ] o Quoted EQ : Open ; Balance {$0.00} ; AsAgreed ; late history reported ; overall Negative status.

o Law/XXXX 2 : 607 ( b ), 611 ; Payment Rating vs Status, XXXX, Special Comment . 
o XXXX : Misleading without ledger ; XXXX  XXXX should not appear negative. 
XXXX. XXXX Unsecured ( Closed XXXX ), Acct # [ last-4 ] o Quoted EQ : Closed ; Balance {$1100.00} ; Past Due {$1100.00} ; CO ; High Credit {$3100.00} ; Date Last Active : XXXX. 
o Law/XXXX  XXXX XXXX XXXX ( b ), 611 ; High Credit, Past Due, XXXX, Status.

o Why : Closed with full past-due plus high-credit/date mismatches demands documentation. 
XXXX. XXXX XXXX ( XXXX Closed ), Acct # [ XXXX ] o Quoted EQ : Open ( field ), then Closed ( status line ) ; Balance/Past Due {$810.00} ; Payment Status : CollectionOrChargeOff ; Date Last Active : XXXX. 
o Law/XXXX  XXXX XXXX 607 ( b ), 611 ; Status, Past Due, DLA, Collection indicator.

o Why : Status must be unambiguous and supported. 
XXXX. XXXX XXXX XXXX ( Revolving, Closed ), Acct # [ XXXX ] o Quoted EQ : Closed ; Balance {$160.00} ; Past Due {$120.00} ; Credit Limit {$2500.00} ; High Credit {$240.00} ; XXXX XXXX XXXX 
o Law/XXXX  XXXX : 607 ( b ), 611 ; CL, High Credit, DLA, Payment Rating, Past Due.

o Why : Conflicts require ledger/DOFD confirmation. 
XXXX. XXXX Closed Unsecured ( XXXX ), Acct # [ XXXX ] o Quoted EQ : Closed ; {$0.00} ; AsAgreed, yet status appears Negative and shows Was 30 days late XXXX. 
o Law/Metro XXXX XXXX XXXX ( b ), XXXX ; XXXX XXXX vs XXXX, XXXX. 
o XXXX : Negative presentation of a closed/AsAgreed {$0.00} account is misleading. 
XXXX. XXXX Closed Auto ( XXXX ), Acct # [ XXXX ] o Quoted XXXX : XXXX ; Closed ; late history appears limited ( e.g., 30 3 ; 60 3 ; 90 1 ) while TU shows Late90Days.

o Law/XXXX 2 : 607 ( b ), 611 ; Payment Rating consistency, XXXX. 
XXXX Equifax Provide running statements/ledger for every alleged late ( all late months disputed ). 
Codes are not proof. 
XXXX XXXX XXXX fields ( Status, XXXX, Past Due XXXX Payment Rating/PHP, High Credit/CL, Type , Comments ) .

If not verifiable per Cushman, delete each tradeline. 
Absent a complete and lawful reinvestigation, I will file XXXX XXXX complaints and pursue damages under 15 U.S.C. 616617.

Enclosures : Government ID ; Proof of address ; Highlighted report pages ; Audit summary.

Company response to consumer: Closed with non-monetary relief