Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the negative accounts you are reporting in my credit file because they contain materially false, incomplete, and legally unverifiable information. Your reporting of these accounts is in direct violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) for maximum possible accuracy, 1681i ( a ) for reinvestigation and deletion of unverifiable data, and 623 ( a ) ( 1 ) ( A ) prohibiting the furnishing of information known or reasonably should be known to be inaccurate. Each account also fails to meet Metro 2 data reporting standards, as the Account Status, Payment Status, Balance, and Date fields are contradictory and misaligned across bureaus. 

I now formally demand that you take immediate action on the following accounts XXXX XXXX XXXX XXXX XXXXXXXX This tradeline is being reported with false balances and unlawful re-aging that make it unverifiable. Equifax reports a charge-off with a {$2900.00} balance, Experian reports {$2800.00}, and TransUnion reports {$0.00}. Three different balances for the same obligation is structurally impossible under Metro 2 formatting, which requires uniformity in balance, high balance, and charge-off amount. In addition, Equifax and Experian are reporting last activity dates in XXXX on an account closed in XXXX. This is unlawful re-aging under 623 ( a ) ( 2 ). Dispute status is inconsistent, with Equifax showing the account in dispute while Experian and TransUnion do not, violating 623 ( a ) ( 3 ). This account is unverifiable and must be permanently deleted unless original signed agreements, payment ledgers, chain of title, and Method of Verification are produced under 1681i ( a ) ( 7 ). 

XXXX XXXX - XXXX Equifax reports the account as charged off with a {$2000.00} balance while continuing to post 29 additional late payments after closure, which is structurally impossible under Metro 2. Experian reports it as an unpaid charge-off with a {$1600.00} limit, and TransUnion reports XXXX as a profit and loss write-off. These versions can not all be true. Reporting rolling lates after charge-off is reckless and unlawful. Continued publication after disputes constitutes willful noncompliance under 1681n and negligent noncompliance under 1681o. This account is unverifiable and must be permanently deleted. 

XXXX - XXXX Equifax lists this as a charge-off under reinvestigation, Experian lists it as an unpaid balance reported as loss, and TransUnion reports it as profit and loss write-off. These are three contradictory statuses for the same tradeline, which is structurally impossible. Dispute status is inconsistent, with only Equifax reporting it in dispute. This violates 623 ( a ) ( 3 ) and 1681e ( b ). Absent complete documentation including the original contract, payment history, and Method of Verification, this tradeline must be deleted. 

XXXX - XXXX Equifax reports this account closed with a {$750.00} balance while still posting late payments after closure. Experian reports it under credit counseling yet simultaneously charged off. TransUnion codes it as charged off and profit and loss write-off with dates that do not align with Equifax or Experian. A single account can not be simultaneously charged off, under counseling, and profit and loss written off. This is structurally impossible under Metro 2 and violates 1681e ( b ) and 1681i. This account must be permanently deleted. 

XXXX - XXXX This tradeline is unlawfully re-aged with last activity dates reported in XXXX, despite the account being opened in XXXX and closed in XXXX. Experian reports it as an unpaid balance reported as loss, TransUnion reports it as closed by consumer with a charge-off, and Equifax shows multiple delinquency markers after closure. These contradictions make the account unverifiable. This is unlawful re-aging under 623 ( a ) ( 2 ). Permanent deletion is required. 

XXXX - XXXX Equifax reports a {$380.00} balance with ongoing late payments as if the account is active. Experian reports the same {$380.00} balance but lists a high balance of {$170.00}, which is mathematically impossible. TransUnion reports the account as a profit and loss write-off. Closed charged-off accounts can not legally accumulate new late payments. This is a blatant violation of Metro 2 and 1681e ( b ). This account is unverifiable and must be deleted. 

XXXX - XXXX Equifax reports this account as disputed and under reinvestigation, Experian lists it as charged off and sold, and TransUnion lists it as charged off as bad debt and sold. These are three contradictory statuses. Equifax and Experian are also reporting unlawful re-aging into XXXX for an account that originated in XXXX. Dispute status is inconsistent across bureaus, violating 623 ( a ) ( 3 ). The contradictions and re-aging render this account unverifiable. Permanent deletion is required. 

XXXX XXXX XXXX Equifax reports this account as closed and transferred or sold, Experian reports it as charged off with a past-due balance, and TransUnion reports it as charged off and purchased by another lender. These are contradictory statuses. Each bureau also displays unlawful re-aging, showing XXXX activity despite the account being opened in XXXX and charged off years ago. This violates Metro 2 DOFD rules and 623 ( a ) ( 2 ). Absent original charge-off records, chain of title, and Method of Verification , this account is unverifiable and must be deleted. 

XXXX - XXXX Equifax reports this tradeline as a charge-off with a {$940.00} balance, Experian reports {$940.00} but with an impossible high balance of {$650.00}, and TransUnion reports it as profit and loss write-off with mismatched dates. Each bureau also continues to report false late payments after the account was closed and charged off. This is structurally impossible under Metro 2 and a violation of 1681e ( b ), 1681i, and 1681s-2. A charged-off account can not lawfully generate new delinquency codes. This account is unverifiable and must be deleted. 

XXXX XXXX - XXXX Equifax reports this tradeline as a charge-off with multiple late payments, Experian reports it as purchased by another lender, and TransUnion does not report it at all. Publishing three different versions of the same account is structurally impossible under Metro 2. Experians purchased coding directly conflicts with Equifaxs charge-off coding, amounting to unlawful re-aging and misrepresentation under 623 ( a ) ( 2 ). Dispute status is inconsistent, violating 623 ( a ) ( 3 ). This account must be permanently deleted unless complete source documentation is produced. 

XXXX XXXX XXXX - XXXX Experian is the only bureau still reporting this account while both Equifax and TransUnion have deleted it. This proves it is unverifiable. Experian lists a last activity date of XX/XX/XXXX and a balance of {$110.00} but has never provided documentation to support it. Because a verifiable account must align across bureaus, and this one does not, Experians continued publication constitutes unlawful re-aging and unverifiable reporting in violation of 1681e ( b ) and 1681i ( a ) ( 5 ). This account must be permanently deleted.

If you can not verify every field of these accounts with complete and original documentation fully compliant with the Fair Credit Reporting Act and Metro 2 standards, you are required under 1681i ( a ) ( 5 ) ( A ) to delete them from my credit file. Failure to comply will constitute willful noncompliance under 1681n and negligent noncompliance under 1681o, exposing you to statutory and punitive damages. I will escalate with documentation to the CFPB, FTC, and State Attorney General if immediate deletion is not carried out. 

You are required to provide written confirmation of permanent deletion within the time allowed by law.

Company response to consumer: Closed with non-monetary relief