Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Respondents : XXXX XXXX XXXX ( Furnisher ) XXXX ( CRA ) Equifax ( CRA ) XXXX  ( CRA ) What happened : This complaint concerns separate and distinct violations of the Fair Credit Reporting Act ( FCRA ), the California Consumer Credit Reporting Agencies Act ( CCRAA ), the Rosenthal Fair Debt Collection Practices Act, and the California Homeowner Bill of Rights ( HBOR ). 

This filing is not a duplicate of Complaint # XXXX XXXX. 
That complaint addressed only the inflated balance. 

This complaint addresses new, independent violations, including : fabricated past due amounts misuse of projected interest misuse of escrow advances manual override of accurate Current indicators FHA forbearance reporting violations Metro 2 reporting violations reinsertion violations CRA reinvestigation failures CCRAA violations Rosenthal violations HBOR 2924.17 violations These issues were not included in the prior complaint. 

XXXX. XXXX violated FCRA 623 and 15 U.S.C. 1681s 2 ( a ) & ( b ) XXXX own servicing records show my true Unpaid Principal Balance is {$290000.00}, as confirmed in their XX/XX/XXXX letter. Despite this, XXXX furnished an inflated balance of {$290000.00} to XXXX Equifax, and XXXX 

Furnishing one balance internally and a different balance to the CRAs violates : FCRA 623 ( a ) ( 1 ) ( A ) CCRAA 1785.25 ( a ) HBOR 2924.17 because a furnisher can not provide conflicting versions of the same account information. 

My XXXX dashboard also shows {$0.00} owed and PAID status for every month in question. XXXX own servicing records show that no fees, no past due amounts, no late charges, and no delinquency were ever assessed during my protected forbearance months. 

I entered forbearance fully current on XX/XX/XXXX XXXX already confirmed this to CFPB : XXXX XX/XX/XXXX letter, sent directly to CFPB, confirms : I entered FHA forbearance current on XX/XX/XXXX, I had no past due, no delinquency, and no foreclosure activity I was protected through XX/XX/XXXX I later accepted an extension covering XX/XX/XXXX, through XX/XX/XXXX, while expressly reserving all rights and protections from the original XXXX forbearance period. 

This means my forbearance protections were continuous from XX/XX/XXXX, through XX/XX/XXXX, and XXXX was prohibited from assessing or furnishing any past due amounts during this entire period. 

Despite confirming I was current, XXXX furnished : an inflated balance of {$290000.00}, and a fabricated past due amount to XXXX, Equifax, and XXXX 

These past due amounts : are not legally due do not appear on my ledger do not appear in my FHA servicing records contradict XXXX own confirmed records XXXX also manually overrode the original Current indicators and replaced them with ND and false delinquency codes. This override demonstrates knowledge of inaccuracy and intentional alteration of accurate data. 

XXXX. XXXX fabricated the Metro 2 past due amount using projected interest and escrow advances : XXXX did not report a real past due amount. Instead, they manually constructed the fabricated {$4600.00} figure over three reporting cycles by inserting projected interest, escrow advances, and even subtracting a voluntary late fee. None of these amounts appear in my ledger, dashboard, or FHA servicing records.

September Reporting ( Exhibit XXXX XXXX : XXXX furnished a balance of {$290000.00}, which is {$60.00} lower than my true FHA balance of {$290000.00}. This matches the {$60.00} voluntary late fee I paid with my XXXX mortgage payment. The fee was already paid and never past due, proving XXXX manually reused it to fabricate a delinquency anchor. 

XXXX Reporting ( Exhibit XXXX ) : XXXX furnished {$290000.00} by adding XXXX months of projected interest : XXXX interest : {$850.00} XXXX interest : {$850.00} Total : {$1700.00} rounded to {$1700.00} XXXX then added this {$1700.00} to the fabricated XXXX anchor : {$290000.00} + {$1700.00} = {$290000.00} This amount appears only in the XXXX XXXX file and does not exist in my ledger. 

XXXX Reporting ( Exhibit XXXX  ) : XXXX furnished {$290000.00} by adding : XXXX interest : {$840.00} XXXX interest : {$840.00} Escrow advance : {$1100.00} MIP shortage : {$180.00} Total added : {$3000.00} XXXX  then added this to the XXXX figure : {$290000.00} + {$3000.00} = {$290000.00} furnished as {$290000.00} These amounts projected interest, escrow advances, and MIP shortages are not legally due, can not be capitalized, and can not be furnished as delinquency during an active FHA forbearance. The final {$4600.00} past due amount exists only in the Metro 2 past due field XXXX manually constructed. 

This constitutes knowingly furnishing inaccurate information in violation of : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 2 ) FCRA 623 ( b ) CCRAA 1785.25 ( a ) ( c ) HBOR 2924.17 3. XXXX violated CCRAA 1785.25 ( a ) ( c ) : XXXX furnished information it knew or should have known was inaccurate, failed to correct it, and continued furnishing disputed information. 

XXXX. XXXX violated the Rosenthal Fair Debt Collection Practices Act : XXXX misrepresented the character, amount, and legal status of the debt by reporting a fabricated past due amount. 

XXXX. XXXX violated California HBOR 2924.17 : XXXX  furnished information that was not accurate, complete, or supported by competent evidence. 

XXXX. Experian, Equifax, and TransUnion violated FCRA 611 ( 15 U.S.C. 1681i ) The CRAs failed to conduct a reasonable reinvestigation, ignored my evidence, and republished inaccurate information. 

XXXX  also reinserted inaccurate information without providing the required reinsertion notice. 

XXXX XXXX  Equifax, and XXXX violated FCRA 1681e ( b ) The CRAs failed to maintain reasonable procedures to assure maximum possible accuracy. 

EXHIBITS : Exhibit XXXX XXXX Dashboard Screenshot ( Captured XX/XX/XXXX at XXXXXXXX XXXX  PST ) Shows {$0.00} due and PAID status for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Confirms Outstanding Fee Balance : {$0.00} and Unpaid Principal Balance : {$290000.00}. 

Exhibit XXXX XXXX Dashboard Screenshot ( Captured XX/XX/XXXX at XXXX XXXX PST ) Shows {$0.00} due and PAID status for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Confirms Outstanding Fee Balance : {$0.00} and Unpaid Principal Balance : {$290000.00}.

Exhibit XXXX  Reservation of Rights Statement Confirms I accepted the XXXX extension without waiving my original XXXX protections. 
Affirms continuous protection from XX/XX/XXXX, through XX/XX/XXXX. 

Exhibit XXXX XXXX Credit Report ( XX/XX/XXXX ) Shows fabricated balance {$290000.00}, created by subtracting the {$60.00} late fee I already paid in XXXX. 

Exhibit XXXX XXXX  Credit Report ( XX/XX/XXXX ) Shows fabricated balance {$290000.00}, created by adding projected interest to the fake XXXX anchor. 

Exhibit XXXX XXXX Credit Report ( XX/XX/XXXX ) Shows fabricated balance {$290000.00}, created by adding projected interest + escrow advance + MIP shortage. 

Exhibit XXXX XXXX XXXX XXXXXX/XX/XXXX Allegation ( Confirmed Accurate ) My XX/XX/XXXX allegation remains accurate and is supported by Exhibits XXXX. 

This complaint is NOT a duplicate This complaint addresses new and separate violations involving : fabricated past due amounts misuse of projected interest and escrow advances manual override of accurate payment indicators FHA forbearance reporting violations Metro 2 violations reinsertion violations CRA reinvestigation failures CCRAA violations Rosenthal violations HBOR 2924.17 violations These issues were not included in Complaint # XXXX XXXX.

Company response to consumer: Closed with explanation