Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I financed an auto lease with XXXX XXXX Bank beginning in XX/XX/XXXX. Throughout the entire lease term, I maintained a PERFECT payment historynever late, never missed a single payment. When the XXXX pandemic began, XXXX granted me a lease extension as an accommodation under CARES Act guidance, extending the original term beyond the initially agreed-upon period. 

Despite paying this account in full with flawless payment history and receiving a XXXX accommodation, XXXX has systematically furnished inaccurate, incomplete, and materially inconsistent information to all three major credit reporting agencies, causing ongoing harm to my creditworthiness evaluation. 

SPECIFIC INACCURACIES ACROSS THE XXXX BUREAUS XXXX XXXX XXXX XXXX XXXXXXXX has essentially abandoned proper reporting to TransUnion. Nearly every data field shows no information reported, including high balance, date of last activity, date reported, and other critical account details. This creates a " ghost account '' that provides no meaningful credit history information despite my perfect payment performance. 

XXXX XXXXXXXX : Reports high balance of XXXX XXXX XXXX XXXX XXXX dollars, date of last activity as XX/XX/XXXX, last payment date as XX/XX/XXXX, and date reported as XX/XX/XXXX. The account type is classified as " XXXX '' with a term length of thirty-nine months. 

EQUIFAX REPORTING : Reports the same high balance but shows date reported as XX/XX/XXXX, XXXX XXXX MONTHS later than Experian 's reporting date. The account type is classified as " Auto Loan '' ( NOT Lease ), and there is no last payment date reported. Term length also shows thirty-nine months. 

MATERIAL INCONSISTENCIES AND FCRA VIOLATIONS : XXXX. INACCURATE TERM LENGTH : Both Experian and Equifax report a thirty-nine month term, which is FALSE. The lease was extended beyond thirty-nine months due to the XXXX pandemic accommodation. XXXX has failed to update this critical information to reflect the actual modified lease terms, creating a materially inaccurate representation of my contractual obligations. 

XXXX. CONTRADICTORY ACCOUNT CLASSIFICATION : The same account can not be both a " Lease '' and an " Auto Loan. '' This fundamental inconsistency between Experian and Equifax demonstrates XXXX 's failure to maintain accurate furnishing procedures and violates their duty under FCRA to provide consistent, accurate information to all credit reporting agencies. 

XXXX. MASSIVE REPORTING DATE DISCREPANCY : A ten-month gap between when information was reported to Experian ( XX/XX/XXXX ) versus Equifax ( XX/XX/XXXX ) suggests XXXX bureau is receiving stale data while another has more current information. This creates confusion about the account 's actual status timeline. 

XXXX. INCOMPLETE TRANSUNION DATA : XXXX 's near-complete failure to furnish basic account information to TransUnion while XXXX detailed data to the other XXXX bureaus violates their duty to report accurately and completely to all credit reporting agencies. Consumers should not receive different credit evaluations based solely on which bureau a lender pulls from. 

XXXX. MISSING CLOSED DATE : All three bureaus show no closed date despite the account being marked as " Closed '' with XXXX balance owed and " Paid '' status. This incomplete reporting affects debt-to-income calculations and creates ambiguity about when this obligation was actually satisfied. 

XXXX. XXXX ACCOMMODATION NOT PROPERLY DOCUMENTED : Under CARES Act Section 4021 and subsequent regulatory guidance, creditors who provided payment accommodations or modifications due to XXXX must report these accounts accurately. XXXX 's failure to update the lease term to reflect the XXXX extension and properly document this modification across all bureaus violates federal consumer protection requirements. 

XXXX. PERFECT PAYMENT HISTORY OBSCURED : Despite never being late on a single payment throughout the entire lease term including the XXXX extension period, XXXX 's XXXX and inconsistent reporting obscures this exemplary payment behavior, preventing me from receiving full credit for my responsible financial management. 

ATTEMPTS TO RESOLVE : I have attempted to resolve these reporting errors directly with XXXX without success. The systematic nature of these violationsaffecting all three credit bureaus in different waysindicates a fundamental failure in XXXX 's credit reporting procedures rather than a simple clerical error. 

DOCUMENTED HARM : These reporting inaccuracies have caused me tangible harm : - CREDIT EVALUATION CONFUSION : Lenders reviewing my credit receive XXXX completely different versions of the same account, creating uncertainty about my actual credit obligations and payment history. 

- CREDITWORTHINESS MISREPRESENTATION : My perfect payment history is obscured by incomplete reporting, preventing me from demonstrating my true creditworthiness. 

- DEBT OBLIGATION MISCHARACTERIZATION : The lease versus auto loan discrepancy fundamentally changes how lenders interpret this debt obligation. 

- CALCULATION ERRORS : Missing closed dates and inconsistent account information affect debt-to-income ratio calculations and credit utilization assessments. 

- CONTINUED CREDIT PROFILE CONTAMINATION : Despite fulfilling all obligations with perfect payment history, inaccurate reporting continues to harm my credit standing.

LEGAL VIOLATIONS : JPMCB 's conduct violates : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information to credit reporting agencies - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) - Duty to review and consider information provided by consumers regarding account accuracy - Metro 2 Format reporting standards for complete and accurate account classification - CARES Act Section 4021 requirements for proper reporting of XXXX accommodations I maintained impeccable credit behavior throughout this lease, yet XXXX has contaminated my credit profile with systematically inaccurate, incomplete, and inconsistent information across all three major credit bureaus. This egregious failure demands immediate regulatory intervention. 

I request that the CFPB investigate these violations and compel XXXX to immediately correct all inaccurate information, provide written confirmation of corrections, furnish updated accurate reports to all three bureaus, and implement procedures to prevent future reporting violations.

Company response to consumer: Closed with explanation