Consumer complaint received 2025-05-07 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, Texas XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX : XXXX * * Date * * : [ Insert Date ] * * To Whom It May Concern * *, I am writing to formally dispute inaccuracies in my consumer credit reports under the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681 ) * * and * * Consumer Financial Protection Bureau ( CFPB ) * * regulations. The errors violate FCRA requirements for accuracy, Metro 2 compliance standards, and CFPB guidelines.

# # # * * Specific Inaccuracies and Violations * * : 1. * * Duplicate Account Reporting * * : - * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others are listed multiple times with conflicting statuses ( e.g., " In good standing '' vs. " Closed '' ). This violates * * FCRA 623 ( a ) ( 1 ) ( A ) * * ( duty to furnish accurate data ) and * * Metro 2 guidelines * * ( prohibition of duplicate accounts ).

2. * * Closed Accounts Reporting Balances * * : - * * XXXX XXXX XXXX ( reported XX/XX/XXXX ) shows a * * {$260.00} balance * *, while another entry for the same institution ( XX/XX/XXXX ) is marked " Closed. '' Closed accounts must report {$0.00} balances per * * Metro 2 standards * * and * * CFPB Bulletin XXXX XXXX XXXX XXXX XXXX XXXX  Outdated Information * * : - Accounts like * * XXXX XXXX * * ( reported XX/XX/XXXX ) and * * XXXX XXXXXXXX XXXX XXXX * ( XX/XX/XXXX ) exceed reasonable reporting timelines. * * FCRA 605 ( a ) * * restricts reporting of closed accounts beyond 7 years.

4. * * Inconsistent Statuses * * : - * * XXXX XXXX XXXX XXXX XXXX is listed as both " In good standing '' ( XX/XX/XXXX ) and " Closed '' ( XX/XX/XXXX ), creating contradictory data. This breaches * * CFPB 12 CFR 1022.42 ( a ) * * ( prohibition of inconsistent reporting ).

5. * * Failure to Update via E-OSCAR * * : - Persistent errors suggest non-compliance with * * E-OSCAR * * dispute resolution protocols under * * FCRA 611 ( a ) ( 1 ) * *, which mandates timely corrections.

# # # * * Requested Actions * * : - * * Immediate Removal * * of duplicate entries ( e.g., duplicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
XXXX XXXX XXXX Correction * * of all closed accounts to reflect {$0.00} balances and proper closure status via * * E-OSCAR * *. 
- * * Deletion * * of outdated accounts ( e.g., * * XXXX XXXX * * from XXXX ) under * * FCRA 605 * *.

- * * Metro 2 Compliance Review * * to ensure standardized formatting and accuracy.

- * * Investigation * * within 30 days as required by * * FCRA 611 ( a ) ( 1 ) * *.

# # # * * Documentation * * : Copies of credit reports ( XXXX ) are attached for reference. 

Failure to resolve these issues will result in escalation to the * * CFPB * *, * * FTC * *, and legal action under * * FCRA 616 * * ( civil liability for noncompliance ). 

Sincerely, * * XXXX XXXX * * * * Attachments * * : - Credit report screenshots ( XXXX ) * * CC * * : Consumer Financial Protection Bureau XXXX Federal Trade Commission

Company response to consumer: Closed with non-monetary relief