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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because multiple furnishers and credit reporting agencies ( Experian, Equifax, and TransUnion ) have failed to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. I am requesting the deletion of the below-listed accounts and inquiries from my credit reports because they are being reported inaccurately, incompletely, and without proper verification as required by law. 
1. XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1100.00} Reported on : Experian & TransUnion Violations : FCRA 1681e ( b ) Failure to assure maximum possible accuracy ( late payments and balance reported inconsistently across bureaus ).

FCRA 1681i Failure to properly investigate disputes ; bureau responses were generic and not backed by supporting documentation.

FDCPA 807 False representation of the character/amount of the debt, as the furnisher failed to validate ownership and assignment records.

Metro 2 Account status and payment history codes not reported in compliance with CRRG standards, creating misleading derogatory data.

Corrective Action Requested : Permanent deletion due to unverifiable reporting. 
2. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) {$2100.00} Reported on : Experian & TransUnion Violations : FCRA 1681c-2 Failure to block information resulting from alleged medical debt that was never validated.

FCRA 1681i Bureaus ignored direct disputes, sending automated template responses rather than conducting a reasonable investigation.

FDCPA 809 ( b ) Debt validation not provided within the required 30-day timeframe after request.

HIPAA Privacy Rule Medical debt was shared and reported without proper consent, violating federal privacy protections.

Corrective Action Requested : Deletion of tradeline, as no validation or HIPAA-compliant authorization exists. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$520.00} Reported on : All three bureaus Violations : FCRA 1681e ( b ) Conflicting reporting across bureaus regarding dates of last payment and account status.

FCRA 1681i Failure to provide documented evidence of account ownership during reinvestigation.

FDCPA 807 & 809 Collector continues reporting a debt without providing proper verification.

Metro 2 Account is coded as an open collection despite being closed/charged-off by the original creditor.

Corrective Action Requested : Permanent deletion across all three CRAs.

4. XXXX XXXX {$520.00} Reported on : Experian, Equifax, TransUnion Violations : FCRA 1681e ( b ) Reporting late payments for months that are not supported by XXXX  XXXX billing history.

FCRA 1681i Bureaus failed to provide evidence during disputes ; merely verified without proof.

Metro 2 Payment history fields show inconsistent coding ( e.g., 30-day late vs. 60-day late in the same month ).

Corrective Action Requested : Deletion of account due to failure to ensure maximum possible accuracy.

5. XXXX ( XXXX XXXX XXXX ) {$20000.00} Reported on : Experian only Violations : FCRA 1681c ( a ) ( 5 ) Obsolete information reporting ( delinquency dates outside allowable reporting periods ).

FCRA 1681e ( b ) Balance and status reported in a misleading manner, suggesting account is still actively delinquent without proof.

FDCPA 807 Failure to provide consumer with debt ownership and assignment details.

Corrective Action Requested : Permanent deletion from Experian.

6. Hard Inquiries ( XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX ) Reported on : Multiple bureaus Violations : FCRA 1681b No permissible purpose for these inquiries ; I did not authorize them.

FCRA 1681c-2 Failure to block after consumer dispute.

Corrective Action Requested : Deletion of unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief