Consumer complaint received 2025-11-16 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: TN

Complaint narrative:
Subject : Formal Complaint Reporting of Inaccurate, Incomplete, and Misleading Information in Violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro-2 Data Furnishing Standards. 

Introduction I am submitting this complaint regarding multiple accounts reporting inaccurately across TransUnion, Experian, and Equifax as of my report dated XX/XX/XXXX These inaccuracies violate FCRA 1681e ( b ), 1681s-2 ( b ), 1681i ( a ), FDCPA 809 ( b ), and Metro-2 Compliance Guidelines, resulting in severe credit score damage and emotional distress. 

XXXX. XXXX XXXX / XXXX ( Student Loans ) Partial Account Numbers : XXXXXXXX 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 Reported Balances : approx. {$120000.00} Violations Identified Reports 120150 days late with no XXXX or XXXX sequence, violating XXXX XXXX XXXX. 

Duplicate accounts under different numbers and balances for same lender. 

Marked Open and Late XXXX  Days simultaneously, which is impossible. 

No Account Disputed notation despite prior disputes. 

Laws & Standards Violated FCRA 1681e ( b ) Failure to maintain maximum accuracy. 

FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate info after notice.

Metro-2 2.2.1 Requires accurate, single DOFD and payment-history sequence. 

Supporting Case Law XXXX XXXX XXXX, XXXX XXXX XXXX ( E.D.La. ) Mis-sequenced student-loan lates actionable. 

Requested Action : Delete all inaccurate and duplicate student-loan tradelines until they can be furnished in full XXXX compliance XXXX 

XXXX. XXXX XXXX # XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) * * Status : Closed Paid in Full Inaccuracy : Shows XXXX lates after account paid; inconsistent DOFDs across CRAs. 
Law : FCRA 1681s-2 ( b ) ; Metro-2 Field XXXX ( Payment Rating ). 
Case : XXXX XXXX XXXX XXXX XXXX, 526 F.3d 142 ( 4th Cir. XXXX ). 
Relief Requested : Immediate deletion or correction to Paid Never Late. 

XXXX. XXXX XXXX # XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) * * Status : Charged-Off Business Card Balance : {$3500.00} Inaccuracy : Different charge-off dates ( XX/XX/XXXX vs XX/XX/XXXX ) ; DOFD mismatch ; unpaid balance listed yet shows paid. 
Law : FCRA 1681e ( b ) ; Metro-2 Fields 11 & 15. 
Case : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
XXXX Requested : Delete as unverifiable and inconsistent. 

XXXX. XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) * * Status : Closed / Charge-Off Inaccuracy : Marked Paid yet Charge-Off ; XXXX late sequence after {$0.00} balance. 
Law : FCRA 1681e ( b ) ; Metro-2 Fields XXXX & XXXX. 
Case : XXXX v. XXXX & XXXX, 584 F.3d 1147 ( 9th Cir. XXXX ). 
Relief Requested : Deletion due to contradictory reporting. 

XXXX. XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * Status : Redeemed Repossession / Closed Inaccuracy : Shows Current, Closed, and Repossession simultaneously ; conflicts between CRAs.

Law : FCRA 1681e ( b ) ; Metro-2 Field XXXX. 
Case : XXXX v. Experian, 294 F.Supp.3d 13 ( D.D.C. XXXX ). 
Relief Requested : Deletion or correction to Paid No Repossession. 

XXXX. XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * Status : Paid Repossession ( XXXX ) Inaccuracy : Reports repossession after payoff and fails to display dispute notation. 
Law : FCRA 1681c-2 ; FDCPA 807 ( 8 ). 
Case : XXXX v. XXXX XXXX, XXXX XXXX XXXX ( M.D.Fla. ). 
Relief Requested : Deletion for inaccurate status and failure to update dispute flag. 

XXXX. Professional Collections of XXXX ( XXXX XXXXXXXX XXXX XXXX  ) Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00} Inaccuracy : Duplicate across CRAs ; no validation, no itemization, no assignment date. 
Law : FDCPA 809 ( b ) ; FCRA 1681s-2 ( b ). 
Case : XXXX v. XXXX XXXX XXXX, 889 F.3d 337 ( 7th Cir. XXXX ). 
Relief Requested : Deletion and investigation of illegal collection reporting. 

Total Amount of Reported Derogatory Balances Student Loans {$120000.00} XXXX  XXXX ( XXXX ) {$3500.00} Medical Collection {$880.00} Total {$130000.00} Damages & Relief Requested Delete or correct all inaccurate and unverifiable tradelines. 

Ensure all CRAs update records in compliance with Metro-2. 

Award statutory and actual damages under 15 U.S.C. 1681n & 1681o. 

Enforce compliance review of the listed furnishers for systemic reporting errors. 

Certification I declare under penalty of perjury that the information provided herein is true and accurate to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief