Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
Title : Ongoing Inaccurate and Misleading Reporting by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the Nationwide CRAs Complainant : Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Summary of the Problem I am disputing inaccurate, inconsistent, and misleading information appearing on my TransUnion, Equifax, and Experian credit files. Despite previous disputes, the CRAs and furnishers continue to : Report conflicting and contradictory statuses Use non-conforming Metro 2 codes Retain stale or duplicative derogatory data Fail to conduct a reasonable reinvestigation as required by law The following accounts remain inaccurately reported : Accounts at Issue XXXX. XXXX XXXX XXXX Acct XXXX ( Open, Joint ) Balance : {$11000.00} Past Due : {$720.00} Late codes : Repeated 30/60/90-day lates throughout XXXX Issues : Late codes appear duplicated and misaligned with actual billing cycles. 
Delinquency aging is incorrect and appears to be double-counted. 
Metro 2 fields such as Payment Rating, Compliance Code, and Past Due Amount appear inconsistent with the true account history. 

Requested correction : Accurate day-count, removal of all duplicate or stale late codes, proper aging of past-due amounts, and suppression of erroneous derogatory codes. 



XXXX. XXXX  XXXX XXXX XXXX XXXX TU : XXXX EQ : XXXX Amount : {$3100.00} Issues : Status conflicts ( Open, Collection, Charge-off, Placed for Collection simultaneously ) Debt buyer using original creditor charge-off language, which is misleading Activity dates inconsistent with Metro 2 reporting rules Requested correction : Provide full validation and correct all conflicting Metro 2 fields. Debt buyers may not use XXXX  charge-off notations that misrepresent the nature of the debt. 



XXXX. XXXX XXXX XXXX XXXX ( TU/EX : XXXX ) Amount : {$2000.00} Issues mirror those above : Conflicting status fields Inconsistent activity/charge-off dates Improper use of charge-off coding for a purchased account Requested correction : Accurate coding under Metro 2 for a third-party debt buyer and removal of any misleading charge-off language. 



XXXX. XXXX XXXX XXXX XXXX Loan ( TU : XXXX ) Amount : {$460.00} Issues : Reported as Open and Collection/Charge-off simultaneously Ambiguous and inconsistent Metro 2 coding No documentation provided after prior dispute Requested correction : Provide complete documentation and correct all non-conforming fields. 



XXXX. XXXX/DOFED Federal Student Loans ( Closed, {$0.00} ) Issues : Old 90/120-day late markers still being reported on closed, zero-balance loans Some derogatory codes appear duplicated or extended beyond permissible periods under FCRA 1681c Dispute resolved language misleading lenders and suppressing scores Requested correction : Remove all outdated, duplicative, or non-permissible late codes and ensure that only legally allowed data remains. 



Why This Violates Federal Law The continued reporting violates : FCRA 1681e ( b ) failure to assure maximum possible accuracy FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) furnishers duty to investigate and correct inaccurate data Courts have repeatedly held that misleading or inconsistent reporting also counts as inaccuracy : XXXX XXXX Trans Union XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Debt buyers must also provide documentation under the FDCPA, 15 U.S.C. 1692g.

Company response to consumer: Closed with non-monetary relief