Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
To Whom It May Concern : Pursuant to FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ), I demand a reasonable, independent reinvestigation and deletion of unverifiable or inaccurate information under 611 ( a ) ( 5 ) ( A ).

A ) Identity / Header Data Defects XXXX. Name normalization & address chronology Quote : Name : XXXX XXXX ; address reflects XX/XX/XXXX effective date ; ensure prior addresses chronology matches other bureaus. 
Law : 607 ( b ). 
Metro 2 : Name ; Address ; Date of Address Information. 
Why : Prevent mixed-file and timeline confusion. 
B ) Tradeline / Furnisher Defects XXXXXXXX XXXX Revolving XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pays account as agreed, XXXX  shows a lone XXXX in XX/XX/XXXX across bureaus. 
Law : 607 ( b ). 
Metro 2 : XXXX XXXX XXXX 
Why : Any late requires ledger-level substantiation ( due date/receipt/posting ) and consistent coding. 
XXXX. XXXX XXXX Revolving # XXXX Quote ( EQ ) : Account previously in dispute now resolved, reported by data furnisher. 
Law : XXXX ( a ) ( XXXX ) ( A ) ; XXXX. 
XXXX XXXX : CCC/CII ; XXXX. 
Why : Require independent CRA verification, not furnisher boilerplate. 
XXXX. SERVICE FCU Installment # XXXX Quote ( EQ ) : Payment Status : CHARGED OFF ACCOUNT ; Balance/Past Due : {$34000.00} ; PHP shows XXXX beginning XXXX. 
Law : XXXX ( b ) ; XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX : AS=Charge-off ; XXXX XXXX XXXX XXXX XXXX 
Why : Provide DOFD and ledger for each delinquency ; ensure cross-CRA consistency ( missing on TU ). 
XXXX. XXXX XXXX Installment XXXX XXXX XXXX XXXX XXXX XXXX  : Payment Status : Charge-off ; Balance/Past Due : {$47000.00} ; XXXX  shows XX/XX/XXXX. 
XXXX XXXX XXXX Same as Service XXXX. 
Why : Must match records and other CRAs or be deleted. 
XXXX. XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX  : Pays account as agreed, while XXXX  shows Transferred to another office. 
Law : 607 ( b ).

Metro 2 : AS ; SC transfer code. 
Why : Contradiction = inaccuracy. 
XXXX. XXXX XXXX Open Account ( separate XXXXOpen XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} ; High Credit : {$5300.00}, plus separate revolving XXXX shows Balance XXXX {$2700.00} ; XXXX  : {$3700.00}. 
Law : XXXX ( b ). 
XXXX XXXX : XXXX, XXXX, XXXX, XXXX. 
Why : Duplicate/discordant XXXX data must be reconciled ; single cycle can not carry two conflicting balances. 
XXXX. XXXX XXXX XXXX XXXX Multiple Installments XXXX XXXX XXXX XXXX  : different XXXX  and Unknown last payment dates compared to XXXX. 
Law : 607 ( b ). 
XXXX XXXX : XXXX  ; Date of Last Payment ( DLP ) ; XXXX. 
Why XXXX XXXX  must match the note/ledger. 
XXXX XXXX XXXX  ( Closed ) XXXX XXXX XXXX XXXX XXXX XXXX  : ACCOUNT CLOSED BY XXXX XXXX, while XXXX  also shows Canceled by credit grantor, dates differ.

Law : 607 ( b ).

Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX 
Why : Wording/date consistency matters ; correct or delete. 
C ) Inquiries ( Hard Pulls ) Quotes ( EQ ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : 604 ; 607 ( b ).

Metro 2 : Inquiry Type/Industry Code ; Date of Inquiry. 
Why : Same-day auto pulls likely duplicative ; provide consumer authorization/application or delete.

Company response to consumer: Closed with non-monetary relief