Consumer complaint received 2025-09-01 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:
FORMAL COMPLAINT & DEMAND FOR DELETION OF INACCURATE, UNVERIFIABLE, AND NONCOMPLIANT CREDIT REPORTING Against : Equifax, Experian, TransUnion, and Data Furnishers Dear CFPB, I am filing this complaint against the credit reporting agencies Equifax, Experian, and TransUnion as well as the data furnishers reporting on my credit profile. My rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards are being violated due to inaccurate, inconsistent, and unverifiable reporting.

The following accounts ( attached in evidence screenshots ) contain conflicting data across bureaus, false reporting, and failure to maintain accuracy and integrity, which directly harms my creditworthiness. 

Accounts in Violation Account # XXXXXXXX XXXX Miscellaneous/General Clothing Store Error : Reported balance is {$320.00} ( TransUnion ) vs {$270.00} ( Experian ) ; payment status inconsistent ( Late 90 Days TU vs Late 60 Days EXP ). 

Violation : Inconsistent reporting = inaccurate/unverifiable data under FCRA 607 ( b ), 609, 611. 



Account # XXXXXXXX XXXX General Clothing Store Error : Reported as Open while showing Late 90 Days ; balance owed {$320.00} with no high balance hi

story. Violation : Data can not be simu
ltaneously Open and Charged. This violates Metro 2 compliance and FCRA 623 ( a ) ( 1 ) ( A ). 



Account # XXXXXXXX XXXX Bank Credit Card Error : Listed as Derogatory/Charge-off on TransUnion & Experian, but different dispute statuses across bureaus.

Violation : Furnisher failed duty to report uniformly accurate data. 



Account # XXXXXXXX XXXX  Credit Union Card Error : Experian shows last activity XX/XX/XXXX, while XXXX XXXX  XXXX show updates XX/XX/XXXX ; balance reporting inconsistent. 

Violation : Conflicting history reporting = unverifiable. 



Account # XXXXXXXX XXXX  Personal Loan Error : Balance reporting as {$420.00} vs {$0.00} ; activity dates conflict ( XX/XX/XXXX EXP vs XX/XX/XXXX EQ ). 

Violation : Unverifiable data, must be deleted. 



Account # XXXXXXXX XXXX  Joint Bank Loan Error : Open/Current on TU but Late 60 Days on EXP/EQ ; payment history inconsistent. 

Violation : Metro 2 & FCRA require uniform accuracy across CRAs. 



Student Loan Accounts ( Multiple : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Error : Reported as Late 120 Days on some bureaus, Late 150 Days on others for the same periods. 

Violation : Misstated delinquency days are materially misleading per FCRA 607 ( b ). 



Collection Accounts ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * Error : Some bureaus show Open/Collection, others show Closed/Charge-off ; duplicate reporting under multiple furnishers. 

Violation : FCRA XXXX09 & 611 require deletion when accuracy can not be verified. Duplicate/contradictory data inflates derogatories unlawfully.

Legal Grounds FCRA 607 ( b ) : CRAs must assure maximum possible accuracy.

FCRA 609 : Consumers have the right to full disclosure of all information and its source.

FCRA 611 : CRAs must reinvestigate disputed information and delete unverifiable data within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report information they know ( or should know ) is inaccurate.

Metro 2 Standards : Require consistent and uniform data across all CRAs ; these accounts are in violation. 

DEMAND FOR RELIEF Due to the above violations, I am demanding : Immediate deletion of all listed accounts that contain conflicting, unverifiable, or inaccurate information. 
Written confirmation of deletion within 30 days.

A full investigation into the furnishers practices and compliance failures.

Failure to comply will result in escalation, including but not limited to : Further legal action for damages under FCRA 616 & 617.

Formal complaints to state Attorneys General and other regulatory authorities. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief