Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The late payment data being furnished does not meet Metro 2 accuracy thresholds and lacks verification per FCRA 623 ( a ) ( 1 ) ( B ). If XXXX can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. 
XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$23000.00} 2. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$74000.00} 3. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$40000.00} 4. This was paid before it went to the charged off. Please delete this immediately. 
XXXXXXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00} 5. The late payment data being furnished does not meet Metro 2 accuracy thresholds and lacks verification per FCRA 623 ( a ) ( 1 ) ( B ). If XXXX can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX 6. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$26000.00} 7. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00} 8. I was never been late on this account I always paid on time. 
XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00} 9. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$600.00} 10. This was paid before it went to the charged off. Please delete this immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$44000.00} 11. This account has been paid before it went to the collection Please delete this immediately. 
XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$56000.00} 12. This account is reporting a XXXX balance but is still showing as active or negatively affecting the credit file which is inaccurate under Metro 2 reporting guidelines. If the account is closed or paid in full it should reflect as Paid/Closed XXXX balance without derogatory notations. 
XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00} 13. I was never been late on this account I always paid on time. 
XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00} In accordance with the Fair Credit Reporting Act, I hereby demand an investigation into these disputed items and their removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that the creditor fails to verify should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Company response to consumer: Closed with non-monetary relief