Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13189704
Complaint Overview
Complaint ID: 13189704
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Louisiana
ZIP Code: 713XX
Date Received: 2025-04-25T12:00:00-05:00
Date Sent to Company: 2025-04-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
# XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX # # SENT TO ALL THREE CREDIT BUREAUS : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX * * RE : Formal Dispute of Inaccurate Credit Information - Account # XXXX * * To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report regarding an account with XXXX XXXX ( Account # XXXX ). This account contains multiple serious violations of the Fair Credit Reporting Act ( FCRA ) and fails to comply with the Metro 2 Consumer Reporting Resource Guide ( CRRG ) standards, warranting its immediate removal from my credit report. # # Specific Violations and Inaccuracies 1. * * Inconsistent Reporting Across Bureaus ( FCRA Section 623 ( a ) ( 2 ) Violation ) * * My credit reports show drastically different " Last Reported '' dates : XX/XX/XXXX for XXXX versus XX/XX/XXXX for Equifax. This inconsistency violates Metro 2 CRRG standards requiring uniform reporting across all bureaus. 2. * * Contradictory Account Status Information ( Metro 2 Fields 17A & 25 Conflict ) * * The account is simultaneously reported as " Closed '' with a {$0.00} balance while also being reported as " 90 days past due. '' This creates a logical impossibility that violates the Metro 2 Format requirement for consistent status reporting. 3. * * Improper Investigation Procedures ( FCRA Section 611 ( a ) ( 1 ) Violation ) * * My report indicates " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS '' alongside data from 2022, which exceeds the mandated 30-day investigation timeframe required by law. 4. * * Possible Re-aging of Debt ( FCRA Section 623 ( a ) ( 5 ) Violation ) * * The significant discrepancy between reported dates ( 2022 vs. 2025 ) suggests potential illegal re-aging of this account. 5. * * Payment History Reporting Errors * * The " Date of Last Payment '' shows inconsistently as XX/XX/XXXX for XXXX but XX/XX/XXXX for Equifax, creating an inaccurate payment history. # # Request for Action Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported on my credit history. Given the multiple violations detailed above, I formally request : 1. Complete removal of this account from my credit reports at all three bureaus 2. Confirmation in writing when this action has been completed 3. A copy of my updated credit report showing the removal Please note that continuation of reporting this account with these inconsistencies would constitute knowing violations of the FCRA. I expect this matter to be resolved within 30 days as required by law. # # Legal Considerations The violations described constitute serious non-compliance with both the FCRA and Metro 2 Format requirements. If this matter is not properly resolved, I reserve the right to pursue further action as allowed under the FCRA, including potential claims for damages. I appreciate your prompt attention to this matter and look forward to your written confirmation that this account has been removed from my credit reports. Sincerely, XXXX XXXX -- - * * Attachments : * * - Copy of relevant pages from credit reports showing inconsistencies- Personal identification information ( redacted )
Frequently Asked Questions
What is Complaint #13189704 about?
Complaint #13189704 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-04-25T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.