Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
Credit Reporting Complaint XXXX XXXX -- - Consumer Information Name : XXXX XXXX XXXX, XXXX. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Creditor : XXXX XXXX Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Involved : TransUnion, Experian, Equifax -- - Disputed Issues & Legal Violations 1. Inconsistent Date of Last Activity ( DLA ) TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These discrepancies affect the accounts XXXX reporting period and violate FCRA 623 ( a ) ( 1 ) ( A ).

2. Improper Re-Aging ( Equifax ) Equifax reports a status date of XX/XX/XXXX, which is over 3 years after the account was closed on XX/XX/XXXX. 
This violates FCRA 623 ( a ) ( 5 ). 

XXXX. XXXX XXXX Date TransUnion and Experian show closure on XX/XX/XXXX, while Equifax reports XXXX closure date. 
This violates FCRA 607 ( b ).

4. Conflicting Account Status
& Remarks TransUnion/Experian : Closed Late XXXX  Days Equifax : Closed or paid account/zero balance Auto Inconsistent status violates FCRA 623 ( a ).

5. Inconsistent Creditor Type / Industry Classification TransUnion : Misc. Finance Experian : Personal Loan Equifax : Auto Financing These conflicts violate FCRA 623 ( a ) and Metro 2 compliance standards.

6. Payment History Discrepancies TransUnion and Experian show different XXXX day late counts. Equifax omits payment history.

Violates FCRA 623 ( a ) for inconsistent or omitted data.

7. Late Payment Entries After Closure Despite closure on XX/XX/XXXX, some bureaus still show delinquencies after that date.

This violates FCRA 623 ( a ) and constitutes re-aging of delinquency.

8. Missing Dispute Notation All bureaus indicate Account not disputed, despite prior disputes having been submitted.

Violates FCRA 611 ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ), which require disputed accounts to reflect such status.

-- - Verification Methods Requested Pursuant to FCRA 611 ( a ) ( 7 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that the following verification data be provided : The name, address, and contact information of the data furnisher ( XXXX XXXX ). 

The method used to verify each of the disputed data points. 

Copies of all documentation used in reinvestigation, including but not limited to : Original loan agreements Account statements and payment records Communication logs Payoff records Metro 2 field-level data used in furnishing to each CRA -- XXXX Requested Resolution I request that this account be permanently deleted from TransUnion, Experian, and Equifax due to unverified, inaccurate, and inconsistent information in violation of the FCRA and Metro 2 standards. 

Additionally, I request written confirmation of deletions from each CRA, and complete copies of all documentation used in any reinvestigation attempts.

Company response to consumer: Closed with explanation