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: TX

Complaint narrative:
Re : Formal Dispute & Demand for Independent Reinvestigation Multiple Tradelines Equifax : Pursuant to FCRA 607 ( b ), 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( XXXX ) ( A ) ), XXXX XXXX XXXX, and XXXX, conduct an independent reinvestigation. XXXX XXXX codes are not proof ; obtain running statements/ledgers ( due date, receipt, posting ) for each alleged late month. 
I dispute the following and all late months you coded : 1. Dept. of Education / NELN multiple loans o Factual issues : You display Payment Deferred status while publishing XXXX/XXXX derogatories ; several loans show Balance > High Credit ( e.g., {$3700.00} vs {$2000.00} ; {$4800.00} vs {$3500.00} ; {$450.00} vs {$240.00} ). 
o All late months disputed : every month coded XXXX/XXXX in XXXX. 
o Breaches : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ; XXXX ( a ) ( XXXX ) DOFD duty. 
XXXX XXXX XXXX : XXXX vs XXXX dollar inconsistencies ; XXXX ( deferment ) conflicts with XXXX PHP ; XXXX DOFD missing where derogatory is shown. 
o Demand : Provide ledgers/transaction histories proving any capitalization and every alleged late ; else delete derogatories or tradeline ( XXXX ). 
XXXX. XXXX ( transferred / {$0.00} ) o Factual issues : You report At least 120 days past due with {$0.00} balance and an implausible Date Last Active XX/XX/XXXX despite transfer/closure. 
o All late months disputed : any month you coded XXXX. 
o Breaches : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ; XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX : XXXX should not show current XXXX after transfer/ {$0.00} ; if retained historically, code as such and show XXXX ( XXXX XXXX ) ; fix Date Last Active chronology. 
o Demand : Remove XXXX, correct chronology/DOFD, or delete if unverifiable. 
XXXX. TX GUARANTEED STUDEN ( Collection ) o Factual issues : Mis-coded as Open Account with Balance/Past Due {$2600.00} XXXX High Credit {$2400.00} ; Date Opened XX/XX/XXXX but Date of Last Payment XX/XX/XXXX ( predates open ) ; remark COLLECTION ACCOUNT but Payment Status blank. 
o All late months disputed : every month you coded CO on the grid. 
o Breaches : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ; XXXX ( a ) ( XXXX ) ; and ( as a collector ) FDCPA XXXX, XXXX. 
XXXX XXXX XXXX : Field XX/XX/XXXX must reflect XXXX ; XXXX vs XXXX mismatch ; XXXX should show collection ; XXXX DOFD is mandatory ; chronology errors. 
o Demand : Provide DOFD and running ledger ; otherwise delete. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Debt buyer ) o Factual issues : Coded as Open Account and your XXXX XXXX CO with XXXX A collection is not an open/amortizing account. 
o All late months disputed : every CO month shown. 
o Breaches : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ; FDCPA XXXX, XXXX. 
XXXX XXXX XXXX : XX/XX/XXXX must be XXXX ; XXXX DOFD required ; XXXX XXXX must not present amortization-style progression. 
o Demand : Provide DOFD, chain of title, and ledger ; if unverifiable, delete.

Company response to consumer: Closed with non-monetary relief