Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I. COLLECTION ACCOUNT ERRORS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Errors : Date of Last Activity mismatch : XXXX and XXXX show XX/XX/XXXX, XXXX shows XX/XX/XXXX dates must be consistent across all bureaus. 

Unpaid collection still showing XXXX Account on XXXX, which misrepresents the nature of a third-party collection. 

Missing Date of First Delinquency ( DOFD ) : Required by FCRA 623 ( a ) ( 5 ) to determine how long a negative mark stays on file. 

FCRA Violation : Duplicate and inconsistent reporting : Same account is reporting under different structures ( XXXX vs. XXXX ). 

Seriously past due while disputed : May violate FCRA 1681s-2 ( b ) if no reinvestigation occurred. 

XXXX. XXXX XXXX XXXX ( Capital XXXX ) XXXX XXXX Errors : Account type shows as Installment on XXXX  : This is a debt buyer account and should be marked as such, not installment. 

No last payment date reported incomplete fields. 

FCRA Violations : Re-aging risk : If payment history keeps resetting the last activity date without a real payment, this violates FCRA 605 ( c ). 

Incomplete status reporting : XXXX shows XXXX without clarifying its a collection. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX Errors : High credit reported as {$700.00} but balance is {$830.00} balance exceeds original high credit, which is invalid. 

Inconsistent activity dates XXXX shows last activity in XXXX, but XXXX  shows XXXX. 

FCRA Violations : Duplicate reporting : Same debt likely reported by both XXXX  and original creditor ( XXXX  XXXX ). 

XXXX XXXX  reporting for XXXX months : May be considered re-aging and violates FCRA if balance is unchanged. 

XXXX. XXXX ( Multiple Entries ) XXXX XXXX Errors : XXXX entries for same XXXX debt XXXX  and XXXX show different account numbers and statuses. 

Closed collection account reporting as XXXX on XXXX. 

FCRA Violations : Duplicate accounts and inconsistent information across bureaus. 

Missing or conflicting payment dates and balances. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX Errors : Incomplete account data on all bureaus no payment history, no date of last payment, no charge-off codes. 

FCRA Violation : Insufficient details for consumer to verify debt. 

XXXX. CHARGE-OFF ACCOUNT ERRORS XXXX. XXXX XXXX XXXX Errors : Reports balance of {$750.00} after charge-off, which XXXX be inaccurate unless collections are still accruing. 

Payment history ends with XXXX followed by multiple XXXX lates and a XXXX  without matching dates. 

FCRA Violations : Incorrect date of last payment listed as XX/XX/XXXX, which is after multiple XXXX late marks dates dont align. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Errors : Payment history shows XXXX  months of XXXX  without payment this can be considered re-aging. 

XXXX due exceeds credit limit ( {$650.00} past due on {$300.00} XXXX ). 

FCRA Violation : XXXX " OK '' statuses after charge-off or when no payments were made violates accuracy rules in 1681e ( b ). 

XXXX. XXXX XXXX XXXX XXXX XXXX Errors : Charged-off account still showing XXXX, XXXX, XXXX  day late months after XXXX  date inaccurate sequence. 

Balance of {$9600.00} but status is XXXX  must be marked charged off and distinguish between principal and interest. 

FCRA Violation : Multiple inconsistent last payment dates and re-aging pattern risk. 

XXXX. LATE PAYMENT ERRORS ( Non-Collections ) XXXX. XXXX XXXX XXXX  XXXX ( Authorized User ) XXXX XXXX Errors : Account closed in XX/XX/XXXX but still showing XXXX day lates in XXXX & XX/XX/XXXX with no follow-up corrections. 

FCRA Violation : Authorized user accounts should not reflect delinquencies unless user was responsible for payment. 

XXXX. XXXX ( XXXX XXXX ) XXXX XXXX Errors : XXXX separate entries for the same account : XXXX on XXXX, XXXX on XXXX. 

Late payments reported ( XXXX, XXXX ) with {$0.00} balance and Closed status must be removed unless confirmed. 

FCRA Violation : Duplicate listing and inconsistent status may mislead creditors. 

Key Regulatory Violations Referenced FCRA 605 ( a ) : XXXX limit on reporting negative information from date of first delinquency. 

FCRA 623 ( a ) ( 5 ) : Furnishers must report Date of First Delinquency.

FCRA 1681s-2 ( b ) : Requires furnishers to conduct reasonable investigations.

Metro 2 Guidelines : Require accurate, consistent formatting ( e.g., status codes, date logic, balance alignment ). 


THIS COMPLAINT SERVES AS MY FORMAL DISPUTE OF MULTIPLE ERRONEOUS, INCOMPLETE, DUPLICATIVE, AND NON-COMPLIANT ACCOUNTS BEING REPORTED ON MY EQUIFAX CONSUMER FILE IN VIOLATION OF FEDERAL LAW, INCLUDING FCRA 623, 605, AND 1681E ( B ), AS WELL AS THE CDIA METRO 2 REPORTING STANDARDS.THE ADDRESSES HAVE BEEN REMOVED BUT EQUIFAX IS STILL REPORTING ACCOUNTS THAT ARE NOT ASSOCIATED WITH ME. 

THE FOLLOWING ACCOUNTS MUST BE IMMEDIATELY REMOVED OR CORRECTED DUE TO INACCURACIES, MISSING FIELDS, MISREPRESENTATION OF ACCOUNT TYPE, DUPLICATE REPORTING, AND INVALID DATE LOGIC : XXXX. XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ) ACCOUNT # : XXXX REPORTING DIFFERENT DATES OF LAST ACTIVITY ( XX/XX/XXXX VS. XX/XX/XXXX ), ACCOUNT STATUS MISREPRESENTED AS OPEN AND COLLECTION NO DATE OF FIRST DELINQUENCY REPORTED BALANCE REPORTING INCONSISTENTLY ACROSS BUREAUS VIOLATES XXXX XXXX FIELDS ON ACCOUNT STATUS, XXXX, AND XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX ACCOUNT # : XXXX  IMPROPERLY CLASSIFIED AS INSTALLMENT ACCOUNT NO LAST PAYMENT DATE MULTIPLE MONTHS OF CO STATUS WITHOUT UPDATED BALANCE POSSIBLE RE-AGING VIOLATION OF FCRA 605 ( C ) 3. XXXX XXXX ACCOUNT # : XXXX REPORTING LATE PAYMENTS AFTER ALLEGED CHARGE-OFF DATES OF LAST PAYMENT DO NOT MATCH LATE HISTORY BALANCE OF {$750.00} REMAINS AFTER CHARGE-OFF WITH NO EXPLANATION METRO 2 FIELD VIOLATIONS IN STATUS, PAYMENT HISTORY, AND CHARGE-OFF REPORTING 4. XXXX XXXX XXXX ACCOUNT # : XXXX SHOWS 24 MONTHS OF CO WITHOUT PAYMENT OR ACTIVITY PAST DUE BALANCE EXCEEDS CREDIT LIMIT HIGHLY INACCURATE PAYMENT HISTORY VIOLATES XXXX XXXX LOGIC RULES XXXX. XXXX XXXX XXXX ACCOUNT # : XXXX REPORTS CLOSED STATUS WHILE STILL SHOWING BALANCE OF {$9600.00} DATES OF LAST PAYMENT CONFLICT WITH REPORTED LATE PAYMENTS IMPROPER BALANCE REPORTING AFTER CHARGE-OFF XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE ( {$830.00} ) EXCEEDS REPORTED HIGH CREDIT ( {$700.00} ) MULTIPLE CHARGE-OFF CODES CONTINUOUSLY REPORTED FOR OVER 24 MONTHS INCONSISTENT DATES OF LAST ACTIVITY RE-AGING VIOLATION AND MISREPORTING OF ACCOUNT TYPE XXXX. XXXX ( XXXX ENTRIES ) ACCOUNT # XXXX : XXXX AND XXXX DUPLICATE REPORTING WITH DIFFERENT ACCOUNT NUMBERS AND STATUSES CHARGE-OFF STATUS AND BALANCE REPORTED WHILE ACCOUNT IS CLOSED METRO 2 VIOLATION : DUPLICATE FURNISHING AND INVALID OPEN ACCOUNT STATUS ON CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCOMPLETE DATA FIELDS : NO DATE OF LAST PAYMENT, BALANCE HISTORY, OR STATUS NO COLLECTION DETAIL PER METRO XXXX STRUCTURE XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( AUTHORIZED USER ACCOUNT ) ACCOUNT # : XXXX REPORTING LATE PAYMENTS ( XXXX, XXXX  DAYS ) ON AN AUTHORIZED USER ACCOUNT AS AN AUTHORIZED USER, I AM NOT LEGALLY LIABLE FOR PAYMENT FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX DUPLICATE REPORTING CLOSED ACCOUNT SHOWING XXXX AND XXXX DAY LATES AFTER ACCOUNT CLOSURE BALANCE IS XXXX BUT DEROGATORY HISTORY CONTINUES TO BE REPORTED THESE ACCOUNTS CONTAIN INCOMPLETE, INACCURATE, DUPLICATED, OR MISLEADING INFORMATION AND ARE IN VIOLATION OF THE FCRA AND THE INDUSTRY-REQUIRED METRO 2 REPORTING FORMAT. PURSUANT TO FCRA 611 AND METRO 2 GUIDELINES, I DEMAND : A COMPLETE REINVESTIGATION OF EACH OF THESE ACCOUNTS WRITTEN VERIFICATION OF ACCOUNT OWNERSHIP AND ACCURATE PAYMENT HISTORY DELETION OF ALL INACCURATE, UNVERIFIABLE, AND NON-COMPLIANT ACCOUNTS FAILURE TO CORRECT THESE VIOLATIONS WILL RESULT IN FORMAL COMPLAINTS TO THE CFPB, FTC, AND LEGAL ACTION UNDER THE FCRA, INCLUDING PURSUIT OF DAMAGES UNDER 616 AND 617.

PLEASE RESPOND WITHIN THE REQUIRED 4 DAYS. 

SINCERELY, XXXX XXXX

Company response to consumer: Closed with non-monetary relief