Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am filing this complaint because multiple credit bureaus and furnishers are reporting late payments on my credit file that are factually inaccurate, internally contradictory, and incapable of lawful verification. These late payments persist despite the same tradelines showing {$0.00} past-due balances, Current payment status, closed or paid accounts, and materially inconsistent delinquency timelines across TransUnion, Experian, and Equifax. 

I am expressly disputing each late-payment month as a separate factual data point. Verification through automated systems, batch processing, electronic data matching, or E-OSCAR codes does not satisfy the Fair Credit Reporting Acts requirement for a reasonable reinvestigation. Any response relying on system-to-system confirmation rather than a review of underlying account-level source documents is insufficient and unlawful. 

Across multiple accounts, the reporting contains objective contradictions, including but not limited to : Late payments reported during months where the account shows {$0.00} past-due Late payments reported on closed or paid installment loans Tradelines marked Current while delinquency codes remain Payment history grids reflecting on-time payments while days late counters show delinquencies Different bureaus reporting different late months for the same account These conflicts prove the information is not accurate and not complete. A late payment can not exist without a valid past-due amount, a contractual due date, and consistent reporting. Those elements are missing here. 

M

etro-2 Reporting Conflicts The late payments being reported violate required Metro-2 reporting logic. Metro-2 does not permit a delinquency to be reported when the account simultaneously reflects : a current account status, a {$0.00} past-due amount, and an active or closed status inconsistent with delinquency severity.

This internal contradiction renders the data factually inaccurate and unverifiable. Automated confirmation can not resolve a Metro-2 logic failure. 

Accounts Affected ( Non-Exhaustive ) XXXX XXXX XXXX  ( Closed/ Paid ) late payments reported despite paid status and inconsistent bureau reporting XXXX XXXX XXXX ( Open ) multiple late payments reported on some bureaus while others show none XXXX / XXXX ( Closed Secured Loan ) late payments reported despite closed, paid status and no past-due balance Each late-payment month associated with these accounts is disputed individually. 

Formal Method-of-Verification Demand For each alleged late-payment month, I am demanding production and review of the original source records, including : the billing statement for the disputed month the contractual due date the actual payment posting date the past-due amount at the time of the alleged delinquency the internal account ledger or payment history used to generate the Metro-2 reporting Without these documents, the late payment is not verifiable under FCRA 611 and must be deleted or corrected.

A response stating verified, updated, or reported correctly, without producing the above documentation, does not constitute verification and will be treated as a failure to conduct a reasonable reinvestigation. 
Legal Violations This conduct violates, at minimum : FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 611 ( a ) ( 1 ) failure to delete or correct unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate payment history Continued reporting of these inaccuracies after notice constitutes willful noncompliance.

Company response to consumer: Closed with non-monetary relief