Consumer complaint received 2025-08-27 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: MS

Complaint narrative:
I am holding your agency fully accountable for knowingly and willfully reporting false, incomplete, and unverifiable derogatory data that violates the Fair Credit Reporting Act and Metro 2 compliance standards. These negative accounts have already been disputed, yet you have chosen to continue reporting them without correcting the documented errors. This is a direct breach of your statutory duties under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy, and it proves that you have ignored both the law and the evidence I previously provided. The fact that you are still publishing this inaccurate data after notice makes your actions a clear case of willful noncompliance under 1681n. I will not tolerate the ongoing damage to my creditworthiness caused by your refusal to meet your legal obligations.

I am formally disputing the continued reporting of the following negative accounts on my credit file : The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX This inquiry was reported on my credit file without my knowledge, consent, or written authorization. Under FCRA 1681b ( a ) ( 2 ), a consumer report may only be accessed with my express written instructions, which I never gave. Reporting this inquiry is inaccurate, unverifiable, and constitutes willful noncompliance with both federal law and Metro 2 compliance standards. Because you have failed to correct this after prior disputes, this now constitutes a knowing violation under FCRA 1681n and 1681o. If this inquiry is not permanently deleted from my credit report, I will escalate with a CFPB complaint and pursue all legal remedies available to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis account is being reported in direct violation of Metro 2 standards and the Fair Credit Reporting Act. The tradeline is coded as Open while also showing Collection/Charge-Off, which is contradictory and impossible. Metro 2 requires consistent and accurate reporting across account status, payment status, and balance fields, yet this account reflects a balance of {$330.00}, past due {$330.00}, high credit {$0.00}, and credit limit {$0.00} figures that are internally inconsistent and unverifiable. The Date of Last Payment is listed as XX/XX/XXXX, but the account is still coded as open, which is false reporting. FCRA 1681e ( b ) requires maximum possible accuracy, and this account fails that standard. After repeated disputes, you have continued to allow this inaccurate and unverifiable derogatory information to remain, which constitutes willful noncompliance under FCRA 1681n and 1681o. Because you have ignored my previous disputes and failed to ensure lawful, accurate reporting, I now demand that this account be permanently deleted from my credit report. If this account is not permanently deleted, I will escalate with a CFPB complaint and pursue all legal remedies available to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported in violation of Metro 2 compliance standards and the Fair Credit Reporting Act. The tradeline is coded as XXXX XXXX, yet still carries a derogatory Was 30 Days Late remark. Reporting a negative late payment on a fully paid and closed account with {$0.00} balance is misleading, unverifiable, and inconsistent with Metro 2 guidelines, which require that closed and paid accounts reflect their true final status without ongoing derogatory coding. The payment status is listed as Account Adjusted while the comments also state Closed or Paid Account/Zero Balance. This duplicative and conflicting coding creates confusion for lenders and fails the standard of maximum possible accuracy under FCRA 1681e ( b ). I have already disputed this account, and your continued failure to remove the inaccurate late payment remark constitutes willful noncompliance under FCRA 1681n and 1681o. Because this account is paid and closed, there is no permissible basis for continuing to damage my credit with derogatory history that is unverifiable. I now demand that this account be permanently deleted from my credit report. If you refuse, I will escalate this matter to the CFPB and pursue all available legal remedies. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis account is being reported with serious inaccuracies and in violation of both Metro 2 compliance and the Fair Credit Reporting Act. The account is clearly coded as Closed or Paid Account/XXXX  Balance, yet it still carries a derogatory late payment remark showing Was 30 Days Late ( 2 times ). Reporting derogatory history on an account that is fully paid, closed, and carries a {$0.00} balance is misleading, unverifiable, and fails the FCRA 1681e ( b ) mandate for maximum possible accuracy. The payment status is listed as Adjusted while the comments confirm XXXX or XXXX XXXX XXXX. This duplicative and conflicting reporting is non-compliant under Metro 2 field integrity standards, which require consistency between status, balance, and payment history. I have already disputed this account, and your continued failure to correct or delete it demonstrates willful noncompliance under FCRA 1681n and 1681o. Furnishing derogatory late payment history on a XXXX-balance, paid/closed account unfairly damages my credit and is not permissible. I now demand that this account be permanently deleted from my credit report. If you refuse to delete this account, I will escalate immediately with a CFPB complaint and pursue all available legal remedies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis account is being reported with multiple violations of XXXX XXXX compliance and the Fair Credit Reporting Act. The account is coded as Closed yet simultaneously carries a Collection/Charge-Off status with a past due balance of {$1300.00}. Reporting a past due balance on a closed, charged-off account is factually inaccurate and a direct violation of XXXX XXXX XXXX requirements. The XXXX XXXX is reported as {$0.00} while the XXXX XXXX is reported as {$1300.00}, which is internally inconsistent. The Payment Status is listed as Collection/Charge-Off, but the comments also repeat Charged Off Account, creating duplicative and misleading coding that fails the standard of maximum possible accuracy under FCRA 1681e ( b ). I have disputed this account repeatedly, and your continued failure to correct or delete these defects constitutes willful noncompliance under FCRA 1681n and 1681o. Continuing to furnish contradictory, unverifiable information damages my creditworthiness and violates your duty as a furnisher. Because of these repeated failures, I demand that this account be permanently deleted from my credit report. If you refuse to delete this account, I will escalate with a CFPB complaint and pursue all available legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported with blatant inaccuracies and non-compliance. The account is coded as Closed with a {$0.00} balance, yet it is still tagged with Charged Off Account and Collection/Charge-Off payment status. You can not simultaneously report a {$0.00} balance, closed account and continue to carry derogatory charge-off coding this is contradictory, misleading, and a direct violation of Metro 2 reporting standards. The remarks show Was 30 Days Late ( XXXX times ), Was 60 Days Late ( XXXX time ), Was 90 Days Late ( XXXX times ). Reporting thirty-nine separate derogatory late-payment notations on a closed, zero-balance account is excessive, duplicative, and not verifiable. This is not maximum possible accuracy as required under FCRA XXXX ( b ). I have disputed this repeatedly, and your failure to correct or delete this tradeline is now willful noncompliance under FCRA 1681n and 1681o. Continuing to furnish derogatory notations on an account that is settled at {$0.00} balance is malicious and damaging to my credit profile. I demand that this account be permanently deleted from my credit report. If you refuse, I will escalate immediately with a CFPB complaint and pursue all legal remedies available to me. 

XXXX  Date of XXXX : XX/XX/XXXX This inquiry was reported on my credit file without my knowledge, consent, or written authorization. Under FCRA XXXX ( a ) ( XXXX ), a consumer report XXXX only be accessed with my express written instructions, which I never gave. Reporting this inquiry is inaccurate, unverifiable, and willful noncompliance with both federal law and Metro 2 compliance standards. Because you have failed to correct this after prior disputes, this now constitutes a knowing violation under FCRA 1681n and 1681o. If this inquiry is not permanently deleted from my credit report, I will escalate with a CFPB complaint and pursue all legal remedies available to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is inaccurate and fraudulent. I am seeking litigation. Please delete at once. 

Under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a lawful reinvestigation when a consumer disputes an account. You have failed to do so. Under 1681i ( a ) ( 7 ), you must provide a complete Method of Verification when requested. You have failed to do that as well. By continuing to report these accounts without proper verification or correction, you are in violation of 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ), which require furnishers to update and mark disputed accounts accurately. 

Each of these accounts contains multiple Metro 2 XXXX XXXX violations, including inconsistent Account Status codes, incorrect or missing DOFD, misreported XXXX XXXX and High Credit values, and improperly coded Payment History Profiles. These are not clerical oversights they are systemic reporting failures that you have been given the opportunity to correct and have willfully ignored.

As a documented victim of the Equifax Data Breach, I have heightened concerns about the integrity and legitimacy of the information you are publishing. Your continued reporting of this unverifiable data, despite notice and opportunity to cure, is unacceptable and will be escalated through all available legal channels if not resolved immediately.

I demand the immediate and permanent DELETION of each of the above-listed accounts from my credit file. If you can not produce verifiable, fully compliant documentation consistent with FCRA and Metro 2 standards, you are legally required to delete them. Provide me with written confirmation of the deletions upon completion.

Company response to consumer: Closed with explanation