Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Deletion of Outdated and Inaccurate Accounts FCRA 605 ( a ), 611 & Metro 2 Compliance Required To Whom It May Concern, I am writing to formally dispute outdated, inaccurate, and unverifiable information being reported on my Equifax credit file. This is a formal AFFIDAVIT OF DISPUTE and legal notice demanding deletion of all items that violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. The following accounts are being challenged under FCRA 605 ( a ) for exceeding the seven-year reporting period, 611 for reinvestigation rights, and 1681e ( b ) for failure to maintain maximum possible accuracy. 

1. Disputed Negative Accounts ( Unverified, Outdated, and Inaccurate ) - XXXX Card Acct. # XXXX XXXX XXXX Opened XX/XX/XXXX, charged off XXXX, still reporting {$1600.00} balance despite being over 7 years from the open date, violating FCRA 605 ( a ) and Metro 2 standards. 
- XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Opened XX/XX/XXXX, charged off XX/XX/XXXX, still reporting a {$9100.00} balance and showing monthly updates in violation of Metro 2 guidelines and the FCRA 605 ( a ) seven-year rule, which prohibits reporting obsolete accounts beyond seven years from the original delinquency date. 

These accounts are being reported inconsistently across credit bureaus, violating FCRA 1681e ( b ). I demand full verification through the original signed contract ( wet-ink signature ), complete payment history, and assignment agreement showing lawful ownership. If you can not provide verification within 30 days, these accounts must be deleted.

2. Incorrect Personal Information The personal information listed on my Equifax file contains outdated and inaccurate data. The following corrections must be made immediately : - Remove old address : XXXX XXXX XXXX, XXXX, NY - Correct current address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - Remove outdated employers and incorrect name variations. 

Under Metro 2 Base Segment Fields 137145 and FCRA 1681e ( b ), Equifax is required to maintain accurate identifying information.

3. Outdated and Inaccurate Addresses Equifax continues to report outdated addresses no longer associated with me. These must be deleted to prevent mixed-file errors and identity confusion, as required by FCRA 1681e ( b ).

4. Legal Grounds for Dispute and Deletion I am asserting my rights under the following provisions : - FCRA 605 ( a ) : Outdated negative information older than seven years must be deleted.

- FCRA 611 ( 15 U.S.C. 1681i ) : Requires reasonable reinvestigation and deletion of unverifiable information.
- FCRA 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

- FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable data must be promptly deleted.

- Metro 2 Compliance : Charge-offs with balances or monthly updates violate standard reporting procedures. 

5. What I Am Requesting 1. Deletion of the above-listed accounts unless Equifax can verify them with certified documentation.
2. Removal of inaccurate and outdated personal information and addresses.

3. Written confirmation of all deletions and corrections within 30 days as required under FCRA 611.

6. Notice of Legal Intent If Equifax fails to verify or delete the inaccuracies listed above within the 30-day statutory period, I will file a formal complaint with the CFPB, FTC, and Attorney Generals office. Continued reporting of obsolete or unverifiable information constitutes willful noncompliance under FCRA 1681n and 1681o. These items are damaging my ability to obtain credit and must be removed immediately.

Company response to consumer: Closed with explanation