Consumer complaint received 2025-10-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Issue : Two separate XXXX tradelines appear for the same auto loan, one showing late payments and the other showing current/paid as agreed.

This creates the false impression of two loans and a delinquency that does not exist.

Violations : 1681s-2 ( a ) ( 1 ) ( A ) Prohibits a furnisher from reporting information it knows or has reason to believe is inaccurate.

1681e ( b ) Credit bureaus must ensure the maximum possible accuracy of consumer data; duplicating the same account violates this.

1681i ( a ) ( 1 ) ( A ) Requires a prompt, reasonable reinvestigation when a consumer disputes an item. 
1681s-2 ( b ) ( 1 ) ( BE ) After receiving a dispute from a bureau, the furnisher must investigate, correct, or delete inaccurate information.

1681n & 1681o Provide for civil liability for willful or negligent non-compliance. 




XXXX. XXXX XXXX XXXX XXXX XXXX ( Closed Account Still Reporting as Derogatory ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : The account shows as Paid charge-off and continues to list a balance due or charge-off remark despite being resolved.

It also remains coded as derogatory under Equifax, which inaccurately lowers your score.

Violations : 1681s-2 ( b ) ( 1 ) ( D ) Furnisher must delete or correct inaccurate data after investigation.

1681c ( a ) ( 4 ) Negative information such as charge-offs older than seven years must be excluded.

1681e ( b ) Inaccurate account status ( showing as charge-off when paid ) violates accuracy obligations. 
1681i ( a ) ( 5 ) ( A ) Requires deletion of unverifiable or outdated negative data after reinvestigation.

1681i ( d ) Bureau must send written notice of any corrections to the consumer. 




XXXX XXXX XXXX XXXX Disputed Late Payments Still Showing as Derogatory Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late payments previously disputed continue to appear on the report even after investigation concluded they were inaccurate. 
Some bureaus show contradictory notations like account in dispute resolved while still flagging delinquencies.

Violations : 1681i ( a ) ( 1 ) ( A ) Requires reasonable reinvestigation of disputed information. 
1681i ( a ) ( 5 ) ( B ) If information can not be verified, it must be deleted.

1681s-2 ( b ) ( 1 ) ( E ) Furnisher must cease reporting information once found inaccurate.

1681i ( a ) ( 5 ) ( A ) Bureau may not reinsert deleted or corrected data without proper certification.

1681e ( b ) Conflicting information violates the duty to maintain accuracy. 



4. Equifax-Only Tradelines Misleading Remarks Issue : Several remarks appear only on

Equifax : Consumer disputes after resolution Charged-off account Account previously in dispute now resolved by data furnisher These notations are inconsistent and misleading because the underlying disputes have been resolved or accounts are paid.

Violations : 1681s-2 ( a ) ( 2 ) Prohibits furnishing incomplete or misleading information.

1681i ( a ) ( 2 ) Bureau must notify the consumer of results of reinvestigation ; failure to correct misleading dispute language violates this section.

1681e ( b ) Failure to maintain accurate, consistent information across bureaus.

1681s-2 ( b ) ( 1 ) ( C ) Once a dispute is resolved, the furnisher must remove in dispute remarks.

5. General Reporting Discrepancies ( Across All Bureaus ) Issue : Totals differ across bureaus Equifax lists 2 delinquencies and 11 derogatories while XXXX  shows 0 and Experian 2.

This indicates inconsistent furnishing or data syncing.

Violations : 1681e ( b ) Bureaus must ensure accuracy and consistency.

1681s-2 ( a ) ( 1 ) ( B ) Furnishers may not continue reporting inconsistent data after notification.

1681i ( a ) Bureaus must Issue : Two separate Santander tradelines appear for the same auto loan, one showing late payments and the other showing current/paid as agreed.

This creates the false impression of two loans and a delinquency that does not exist.

Violations : 1681s-2 ( a ) ( 1 ) ( A ) Prohibits a furnisher from reporting information it knows or has reason to believe is inaccurate.

1681e ( b ) Credit bureaus must ensure the maximum possible accuracy of consumer data; duplicating the same account violates this.

1681i ( a ) ( 1 ) ( A ) Requires a prompt, reasonable reinvestigation when a consumer disputes an item.

1681s-2 ( b ) ( 1 ) ( BE ) After receiving a dispute from a bureau, the furnisher must investigate, correct, or delete inaccurate information.

1681n & 1681o Provide for civil liability for willful or negligent non-compliance.

Company response to consumer: Closed with explanation