Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
# XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX # # SENT TO ALL THREE CREDIT BUREAUS : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX * * RE : Formal Dispute of Inaccurate Credit Information - Account # XXXX * * To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report regarding an account with XXXX XXXX ( Account # XXXX ). This account contains multiple serious violations of the Fair Credit Reporting Act ( FCRA ) and fails to comply with the Metro 2 Consumer Reporting Resource Guide ( CRRG ) standards, warranting its immediate removal from my credit report. 

# # Specific Violations and Inaccuracies 1. * * Inconsistent Reporting Across Bureaus ( FCRA Section 623 ( a ) ( 2 ) Violation ) * * My credit reports show drastically different " Last Reported '' dates : XX/XX/XXXX for XXXX versus XX/XX/XXXX for Equifax. This inconsistency violates Metro 2 CRRG standards requiring uniform reporting across all bureaus. 

2. * * Contradictory Account Status Information ( Metro 2 Fields 17A & 25 Conflict ) * * The account is simultaneously reported as " Closed '' with a {$0.00} balance while also being reported as " 90 days past due. '' This creates a logical impossibility that violates the Metro 2 Format requirement for consistent status reporting. 

3. * * Improper Investigation Procedures ( FCRA Section 611 ( a ) ( 1 ) Violation ) * * My report indicates " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS '' alongside data from 2022, which exceeds the mandated 30-day investigation timeframe required by law.

4. * * Possible Re-aging of Debt ( FCRA Section 623 ( a ) ( 5 ) Violation ) * * The significant discrepancy between reported dates ( 2022 vs. 2025 ) suggests potential illegal re-aging of this account. 

5. * * Payment History Reporting Errors * * The " Date of Last Payment '' shows inconsistently as XX/XX/XXXX for XXXX but XX/XX/XXXX for Equifax, creating an inaccurate payment history. 

# # Request for Action Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported on my credit history. Given the multiple violations detailed above, I formally request : 1. Complete removal of this account from my credit reports at all three bureaus 2. Confirmation in writing when this action has been completed 3. A copy of my updated credit report showing the removal Please note that continuation of reporting this account with these inconsistencies would constitute knowing violations of the FCRA. I expect this matter to be resolved within 30 days as required by law.

# # Legal Considerations The violations described constitute serious non-compliance with both the FCRA and Metro 2 Format requirements. If this matter is not properly resolved, I reserve the right to pursue further action as allowed under the FCRA, including potential claims for damages.

I appreciate your prompt attention to this matter and look forward to your written confirmation that this account has been removed from my credit reports. 

Sincerely, XXXX XXXX -- - * * Attachments : * * - Copy of relevant pages from credit reports showing inconsistencies- Personal identification information ( redacted )

Company response to consumer: Closed with explanation