Consumer complaint received 2025-10-13 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:
Equifax shows Payment Status : Charge-off / PAID CHARGE OFF with OK months in the grid and Last Reported XX/XX/XXXX. XXXX shows settled for less and last reported XX/XX/XXXX. You also fail to display the DOFD. 
Law/Metro 2 : FCRA 607 ( b ), 611, 623 ( a ) ( 5 ) ; Reg V 1022.42 ; Fields : 24 PHP, 17A/17B, 71, 25 DOFD, 39/42. 
Dispute ( all late months ) : I dispute all months coded 30/60/90/120/CO on this tradeline. 
Demand : Running statements/ledger for each disputed month ( due date receipt posting ). Codes proof. If not independently verified per Cushman, delete derog data or the tradeline under 1681i ( a ) ( 5 ) ( A ). CFPB/FTC/AG & 616617 reserved .

Enclosures : ID, address proof, XXXX  ARRA page + XXXX  comparator. 
XXXX ) Equifax XXXX ( CO ; DOFD & past-due precision ) To : Equifax Information Services LLC XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Re : XXXX XXXX  ( Acct XXXX ) You report a charge-off with a large Past Due yet do not disclose the DOFD on the file. 
Law/Metro 2 : FCRA 623 ( a ) ( 5 ), 607 ( b ), 611 ; Reg V 1022.42 ; Fields : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute ( all late months ) : I dispute all months you coded 30/60/90/120 and CO. 
Demand : Running statements/ledger for each disputed month and the exact DOFD. Codes proof. If not independently verified per Cushman, delete under 1681i ( a ) ( 5 ) ( A ). 
CFPB/FTC/AG & 616617 reserved XXXX 
Enclosures : ID, address proof, XXXX  page. 
XXXX ) Equifax XXXX XXXX ( XXXX ) status vs derog ( Pays account as agreed while grid shows XXXX ) To : Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Re : XXXX XXXX ( Acct XXXX ) Your file lists Pays account as agreed, yet your grid shows recent 30-day late ( s ). That is materially misleading unless the derog months are properly coded and supported. 
Law/Metro 2 : FCRA 607 ( b ), 611 ; Reg V 1022.42 ( b ) ( 1 ) ; Fields : 24 PHP, 17B Payment Rating, 39/42, 71. 
Dispute ( all late months ) : I dispute every month you coded 30 ( e.g., the XXXX  30-day month ( s ) displayed ). 
Demand : Running statements/ledger for each late month ( due date receipt posting ). 
Codes proof. Without independent verification per Cushman, delete the late data or the tradeline under 1681i ( a ) ( 5 ) ( A ). Remedies reserved ( 616617 ; CFPB/FTC/AG ) XXXX 
Enclosures : ID, address proof, EQ page. 
XXXX ) Equifax XXXX ( XXXX / XXXX ) deferment mapping ; no lates during protected periods To : Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Re : XXXX XXXX ( Accts XXXX, XXXX ) You show STUDENT LOAN PAYMENT DEFERRED/ Pays as agreed. Any historic derogatory coding overlapping deferment/forbearance is inaccurate. 
Law/Metro 2 : FCRA 607 ( b ), 611 ; Reg V 1022.42 ; Fields : 24 PHP, 17A/17B, 39/42, 71. 
Dispute ( all late months ) : I dispute all months you coded 30/60/90/120/CO on these loans. 
Demand : Running statements/ledger and deferment/forbearance documentation proving no late reporting during protected months. Codes proof. If not independently verified ( Cushman ), delete under 1681i ( a ) ( 5 ) ( A ). CFPB/FTC/AG & 616617 reserved . 
Enclosures : ID, address proof, EQ pages.

Company response to consumer: Closed with non-monetary relief