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:
This disputes your file dated XX/XX/XXXX. You must maintain maximum possible accuracy ( FCRA 607 ( b ) ) and conduct a reasonable, independent reinvestigation ( 611 ( a ) ( 1 ) ( A ) ; Cushman ). If you can not obtain documentary verification, delete the item under 611 ( a ) ( 5 ) ( A ). I reserve claims under XXXX and will escalate to CFPB/FTC/AG. 
A. Identity/Header Inaccuracy Defect : Name shown as XXXX XXXX ( no middle initial ) and address conflicts with other bureaus current.

Metro 2 : Field 01 ( Name ), XXXX XXXX ( Address ) consistency. 
Law : FCRA 607 ( b ) ; Reg V 1022.42 ( a ). Demand : Correct and harmonize identifiers or provide proof of basis. 
B. XXXX XXXX ( Revolving ) Reported : No payment history populated while other bureaus show severe delinquencies. 
Why inaccurate/incomplete : Missing Payment History Profile renders the tradeline incomplete and misleading. 
Metro 2 breach : Field 18 ( Payment History Profile ) missing ; completeness required.

Law : FCRA 607 ( b ) ; 611 ( a ) ( 5 ) ( A ). All late months are disputed ( across the two-year grid where other bureaus coded XXXX ). Verification required : Provide ledger ( due/receipt/posting ). If not, either fully and accurately populate the history with proof or delete the tradeline. 
XXXX XXXX XXXX XXXX ( Charge Account ) Reported : No payment history despite XXXX derogatories. 
Breach : XXXX  XXXX ; completeness/accuracy. 
Law : FCRA 607 ( b ) ; 611. All late months are disputed. Provide ledger or delete. 
XXXX XXXX XXXX  Acct # XXXX * * ( Revolving ) * * Reported : Equifax shows different credit limit ( {$0.00} ) and missing months, contradicting XXXX. 
Breach : XXXX  XXXX ( XXXX XXXX ) ; XXXX XXXX completeness. 
Law : FCRA 607 ( b ) ; 611. 
All late months are disputed. Provide ledger or delete derogatories/tradeline. 
XXXX DEPTEDXXXX Multiple loans Acct # XXXX * * ( Installment ) * * Reported : One loan shows Paid vs other bureaus Open ; months and severities vary or are missing. 
Breach : XXXX  XXXX ( Account Status ), XXXX  XX/XX/XXXX ( Payment Rating ), XXXX  XXXX ( History ). 
Law : FCRA 607 ( b ) ; 611 ; Reg V 1022.42 ( a ).

All late months are disputed. Provide ledger ( due/receipt/posting ) and any deferment/forbearance evidence. If not verified, delete. 
XXXX XXXX Acct # XXXX * * ( Auto Loan ) * * Reported : Collection/Chargeoff with a history mixing XXXX  with XX/XX/XXXX ; Original/High Credit differs from XXXX. 
Breach : XXXX  XXXX ( XXXX XXXX ) ; XXXX XXXX sequencing integrity. 
Law : FCRA 607 ( b ) ; 611. 
All late months are disputed. Provide full contract, billing ledger, default/charge-off accounting. If unverifiable, delete derogatories or tradeline. 
XXXX XXXX CLOSED ITEMS ( as listed on XXXX XXXX ) Reported : Status/limit fields do not align across bureaus. 
Breach : XXXX  XXXX ( Status ), XXXX XXXX ( XXXX XXXX ). 
Law : FCRA 607 ( b ). 
Demand : Provide documentary basis as of each reporting date or correct/delete.

Company response to consumer: Closed with explanation