Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
Subject Account : Creditor : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Demand for Immediate Removal of Inaccurate Late Payment Notations and Correction of Account Information Under FCRA Legal Precedent Citations : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( holding inaccurate payment history reporting violates FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( affirming that contradictory payment histories trigger heightened investigation requirements ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( establishing that inconsistent reporting across bureaus indicates systematic accuracy failures ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( holding that inaccurate payment history reporting can establish willful FCRA violations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( finding that contradictory reporting requires correction ) To Whom It May Concern : I am filing this complaint demanding immediate removal of the above-referenced account from my credit reports based on conclusive evidence of mixed file/merged file violations and severe data integrity issues that legally require removal under the Fair Credit Reporting Act ( FCRA ) and Massachusetts state law. 
LEGAL BASIS FOR MANDATORY CORRECTION OF PAYMENT HISTORY : Evidence Supporting Removal of Late Payment Notations : Conflicting Payment Histories : Your records and account documentation show no late payments Different bureaus report contradictory payment histories ( 86 %, 92 %, and 96 % ) These contradictions legally invalidate the late payment notations Legal Precedent Requiring Correction : Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contradictory payment histories trigger mandatory correction Burden shifts to credit bureaus to prove accuracy Failure to reconcile differences requires removal of negative notations FCRA Systematic Accuracy Requirements : Under XXXX XXXX XXXX XXXX XXXX XXXX : Mixed File/Merged File Violations ( FCRA 1681b ) : The same account is reported as : A Credit Card ( XXXX ) A Conventional Real Estate Mortgage ( Equifax ) Real Estate Specific Type Unknown ( XXXX ) This clear evidence of mixed/merged file reporting requires immediate removal under FCRA 1681b as it demonstrates the credit bureaus can not verify the actual nature of this account with certainty.

Irreconcilable Data Integrity Violations ( FCRA 1681e ( b ) ) : The following contradictions make accurate reporting impossible : a. Payment History : XXXX : 92 % on-time payments Equifax : 96 % on-time payments XXXX : 86 % on-time payments These contradictions prove the impossibility of accurate reporting. 

b. Credit Limits : XXXX : {$0.00} limit Equifax : {$18000.00} limit XXXX : {$18000.00} limit This fundamental contradiction violates basic data integrity requirements. 


Massachusetts State Law Violations : Under M.G.L. c. 93 54A and 52, these contradictions constitute per se violations requiring removal as : No reasonable procedure could produce these contradictions The accuracy requirement can not be met with contradictory data Mixed file indicators trigger mandatory investigation and removal Pattern and Practice of Systemic Failures : The multiple contradictions across all three bureaus demonstrate : Violation of CFPB Regulation V, 12 C.F.R. 1022.42 Failure of reasonable procedures under FCRA 1681e ( b ) Violation of Massachusetts accuracy requirements Breach of FCRA 1681i investigation requirements FCRA 1681i Reinvestigation Requirements : The nature of these contradictions proves that : No valid reinvestigation can reconcile these differences The account information can not be verified with accuracy Removal is the only legally compliant remedy DEMAND FOR ACTION : Under FCRA 1681i ( a ) ( 1 ) ( A ), 1681e ( b ), XXXX. XXXX XXXX XXXX, and established case law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), I demand : Immediate removal of all late payment notations from this account Correction of payment history to reflect actual 100 % on-time payment record Standardization of account information across all three bureaus Investigation records showing how these contradictions occurred Audit logs of all previous disputes and investigations Identity of all parties who verified this contradictory information Documentation of procedures used to verify accuracy Evidence of FCRA compliance measures Copies of all communications with the furnisher Written confirmation of removal from all three bureaus CONSUMER IMPACT : These violations have caused : Direct credit score damage from contradictory reporting Denial of accurate credit file access under FCRA 1681g Violation of Massachusetts consumer protection rights Ongoing harm from mixed file reporting Under FCRA 1681n and 1681o, and XXXX. XXXX XXXX XXXX, I reserve all rights to pursue damages for : Willful noncompliance Negligent noncompliance Pattern and practice violations State law violations You must respond within 30 days as required by FCRA 1681i ( a ) ( 1 ) ( A ) and XXXX XXXX XXXX XXXX. 
Sincerely,

Company response to consumer: Closed with explanation