Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I dispute the below items on my Equifax file dated XX/XX/XXXX. FCRA XXXX ( b ) obligates you to maintain maximum possible accuracy ; 611 ( a ) ( 1 ) ( A ) requires a reasonable, independent reinvestigation ( see Cushman v. TransUnion, 115 F.3d 220 ). If you can not verify with documentary evidence, you must delete under 611 ( a ) ( 5 ) ( A ). I reserve XXXX and will escalate to XXXX XXXX XXXX XXXX 
1 ) Name Spelling Error & Inconsistent Formats What you report : XXXX XXXX and XXXX XXXX XXXX. 
Defect : XXXX is a typographical error ; inconsistent use of middle initial. 
XXXX : FCRA 607 ( b ). XXXX XXXX : Field XX/XX/XXXX Name/MI. Demand : Correct to XXXX N. XXXX and harmonize. 
2 ) JPMCB CARD Acct # XXXX * * ( Revolving ) * * What you report : Account Status Paid while Payment Status Current ; High Credit {$0.00} ; XXXX XXXX {$2600.00} ; activity through XX/XX/XXXX. 
Defect : Mutually inconsistent closed vs current activity ; XXXX XXXX {$0.00} contradictory to usage/limits. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : Field XXXX ( Status ) ; Field XXXX ( History ) ; Field XXXX ( Limit ) ; Field XXXX ( High Credit ). Demand : Provide monthly statements/ledger ( due/receipt/posting ). Codes are not proof. Correct or delete if not verified. 
3 ) XXXX Acct # XXXX XXXX XXXX ( XXXX Account ) * * What you report : Paid/Current as of XX/XX/XXXX despite peers showing XXXX. 
Violation : Inaccurate status. 
Law/Metro XXXX XXXX FCRA 607 ( b ) ; 611 ; Field XX/XX/XXXX. Demand : Verify with documents ; otherwise correct/delete. 
4 ) XXXX BANK XXXX. Acct # XXXX * * ( Revolving ) * * What you report : Paid/Current, but peers show Open/Current with same dates. 
Violation : Inconsistent status ; misleading. 
Law/Metro XXXX XXXX FCRA 607 ( b ) ; 611 ; Field XX/XX/XXXX. Demand : Verify ; then correct/delete. 
5 ) XXXX  XXXX Acct # XXXX * * ( Revolving ) * * What you report : Paid while also XXXX and showing recent activity. 
Violation : Inconsistent status. 
Law/Metro XXXX XXXX FCRA 607 ( b ) ; 611 ; Field XX/XX/XXXX. 
Demand : Verify with ledger ; correct/delete. 
6 ) XXXX  ( XXXX accounts : XXXX XXXX XXXX  ) * * What you report : Paid with contemporaneous Current coding and recent activity ( XX/XX/XXXX ). 
Violation : XXXX closed vs active. 
Law/Metro XXXX XXXX FCRA 607 ( b ) ; 611 ; Field XX/XX/XXXX. 
Demand : Verify ; correct/delete. 
7 ) XXXX XXXX ( XXXX loans : XXXX, XXXX ) What you report : Paid, while comments reflect Student loan payment deferred and active balances, with activity through XX/XX/XXXX. 
Violation : Status conflicts with deferment/active balance. 
XXXX : FCRA 607 ( b ) ; 611 ; XXXX XXXX XXXX ( a ) ( furnisher accuracy/completeness ). 
XXXX XXXX : Field XXXX ( XXXX ) ; Field XXXX ( History ). 
Demand : Produce servicer records ( deferment/forbearance history, billing ledgers ). If not verified, delete or correct status/history. 
8 ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Revolving ) * * What you report : High Credit {$0.00} vs peers {$1500.00} ; Credit Limit {$1500.00}. 
Violation : XXXX XXXX misreported. 
Law/Metro XXXX : FCRA 607 ( b ) ; Field XXXX ( XXXX XXXX ) ; XXXX. 
Demand : Correct High Credit with documentation or delete misleading data. 
9 ) XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX ( Revolving ) * * What you report : High Credit {$3200.00} and Credit Limit {$0.00}, while peers show High Credit ~ {$1200.00} and Limit {$3200.00}. 
Violation : XXXX XXXX XXXX. 
Law/Metro XXXX XXXX FCRA 607 ( b ) ; XXXX XX/XX/XXXX ; XXXX ( a ) ( XXXX ) ( A ) if unverifiable. 
Demand : Correct with proof or delete the erroneous fields.

Company response to consumer: Closed with non-monetary relief