Consumer complaint received 2025-09-12 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:
Investigate and correct/delete the following items. Codes are not proof. XXXX XXXX v. 
TransUnion ( XXXX XXXX XXXX ), you must obtain independent recordsnot automated furnisher responses. If you can not verify to that standard, delete. 
1 ) XXXX XXXX Bank, XXXX. Acct XXXX ( Open/Revolving ) Reported facts ( EX XX/XX/XXXX ) : Past due XXXX  days, Past Due {$60.00}, Last Payment XX/XX/XXXX. Inter-bureau conflicts with EQ on severity and Date of Last Payment. 
Law : FCRA 607 ( b ) ; 611 ; Reg V 1022.42.43.

Metro 2 : Fields 17, 17A, 22, 24 ( status, rating, DLP, PHP ). 
All late months disputed : XX/XX/XXXX ( XXXX ) and any other late codes. 
Demand : Running statements/ledger for each late ( statement date due date receipt posting ). If not independently verified, delete late reporting or tradeline. 
2 XXXX XXXX XXXX XXXX Acct XXXX Reported facts ( EX ) : Account Status : Indeterminate, Payment Status : Charge-off, comment Purchased by another lender. 
XXXX : FCRA XXXX ( b ), XXXX ; XXXX ( a ) ( XXXX ). 
XXXX XXXX : Field XXXX must be valid CO code ( XXXX ) ; proper sold/transfer coding ; Field XXXX XXXX must XXXX terminal delinquency ; Field XXXX DOFD required. 
All late months disputed. 
Demand : CO worksheet + DOFD + full ledger ; correct or delete. 
3 ) XXXX XXXX XXXX Acct XXXX Reported facts ( EX XX/XX/XXXX ) : Balance {$25000.00} vs High Credit/Original {$24000.00}. 
Law : FCRA 607 ( b ) ; 611.

Metro 2 : Field 13 Highest Credit/Original Loan Amount vs current balance consistency. 
Demand : Provide amortization/transaction history justifying any amount in excess of original ; else correct or delete. 
4 ) XXXX XXXX XXXX XXXX ( Card ) Acct XXXX ( Closed ) Reported facts ( EX XX/XX/XXXX ) : Closed / Current ; TU shows relationship terminated/ closed / paid. 
Law : FCRA 607 ( b ) ; 611.

Metro 2 : Account Status, Compliance Condition Code, Date Closed harmonization. 
All late months disputed ( if any exist in your system ). 
Demand : Provide final statement/closure records ; harmonize or delete if unverifiable. 
5 ) XXXX XXXX Acct XXXX ( Closed/Revolving ) Reported facts ( EX XX/XX/XXXX ) : Closed/Current ; ensure closure narrative matches TU. 
Law/Metro XXXX XXXX same as XXXX XXXX XXXX. 
Demand : XXXX codes/dates across systems or delete if you can not independently verify. 
6 ) Hard-Inquiry Permissible Purpose ( EX ) Disputed pulls ( cluster XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. 
XXXX : FCRA 604, 607 ( b ) ; 611. 
Demand : Produce signed applications/dealer credit forms proving permissible purpose, or delete each unauthorized inquiry. 
XXXX standard & remedies : If you can not independently verify and correct XXXX XXXX fields, delete late codes or the entire tradeline under 1681i ( a ) ( 5 ) ( A ). Non-compliance will result in XXXX complaints and XXXX XXXX under XXXX. 
Enclosures : ID ; proof of address ; highlighted XXXX pages.

Company response to consumer: Closed with non-monetary relief