Consumer complaint received 2025-11-24 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: NE

Complaint narrative:
I am filing a complaint because all three credit bureaus are reporting multiple conflicting and inaccurate tradelines for the same XXXX XXXX XXXX account associated with XXXX XXXX. The same debt is being reported three different ways, with contradictory status information, duplicate entries, incorrect account types, conflicting status dates, and inconsistent balance update history. These errors clearly violate the Fair Credit Reporting Act ( FCRA ) and materially impact my credit profile. 

The account number associated with these entries is XXXX, but depending on the bureau, XXXX XXXX XXXX is reporting the account under multiple names : XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX All for the same original creditor : XXXX XXXX. 

This is improper and violates the requirement of maximum possible accuracy under FCRA 1681e ( b ).

Below are the specific inaccuracies across all three credit bureaus : Duplicate reporting of the same debt under different names and furnishers.

The same account is being reported three separate ways, using slightly different furnisher names and addresses. This creates the appearance of multiple collection accounts when there is only one. Duplicate reporting is prohibited under the FCRA and materially misrepresents my credit risk.

One tradeline reports the account as Paid, another reports Paid, Closed, while another shows no status at all.

This is contradictory and can not all be accurate. An account can not be simultaneously Paid, Paid, Closed, and Status :. These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ).

One bureau reports the account type as Open Account, while another reports it as a Collection Account.

A paid collection account can not legally be reported as an open account, and it can not have multiple conflicting account types. This is inaccurate and misleading reporting.

Conflicting Status Updated and Balance Updated dates.

Examples include : Balance updated XX/XX/year> vs. XX/XX/year> Status updated XX/XX/year> vs. Status updated XX/XX/year> These dates can not all be correct simultaneously. This is inaccurate reporting under FCRA 1681e ( b ).

No payment history is provided, despite the account being listed as paid.

The lack of payment history while the account is listed as paid suggests incomplete reporting. Incomplete data that changes the meaning of the tradeline is considered inaccurate under the law.

One bureau lists the account as Collection, another lists it as Open, and another as Paid, Closed.

All three versions can not represent the same account accurately. These conflicting classifications are misleading and fail to meet FCRA accuracy standards.

Balance history is inconsistent and unverifiable. 
The original balance is {$300.00}, but the reporting times differ and are inconsistent across bureaus. A full ledger has not been provided to support the reporting. 

The same debt should not appear three times on my credit report under three different furnishers. 
XXXX XXXX XXXX appears as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is duplicate reporting, which is not allowed under the FCRA because it artificially inflates derogatory credit information. 

Because of these inaccuracies, I do not believe the information has been properly verified. These errors violate FCRA Sections 1681e ( b ), 1681i, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 3 ). The tradelines must be corrected or deleted if the furnisher can not fully verify the accuracy of every detail.

Company response to consumer: Closed with explanation