Consumer complaint received 2025-04-30 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: LA

Complaint narrative:
# XXXX XXXX FORMAT DISPUTE LETTER " " XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE OF INACCURATE CREDIT INFORMATION VIOLATION OF XXXX XXXX FORMAT REQUIREMENTS CONSUMER ID : XXXX / DOB : XX/XX/XXXX To Whom It May Concern : This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding multiple accounts on my credit report that contain technical violations of the Consumer Reporting Resource Guide ( CRRG ) XXXX XXXX Format. These technical violations render the information materially inaccurate and legally non-compliant. 

I have identified the following specific XXXX XXXX Format violations that require immediate correction : # # ACCOUNT # XXXX : XXXX XXXX ( Account # XXXX ) XXXX. * * Segment Field Validation Error ( CRRG Section 2.2.1 ) * * Credit Limit reported as {$200.00} Charge-off amount reported as {$400.00} XXXX XXXX Format requires logical numerical relationship between Fields 8 ( Account Balance ) and 12 ( Credit Limit ) This mathematical impossibility violates data integrity requirements 2. * * Account Status Code Inconsistencies ( CRRG Section 5.3 ) * * Account Status shows " charged off '' requiring Status Code 97 Payment history continues after charge-off date ( XX/XX/XXXX ) XXXX XXXX Format requires cessation of Payment History Profile updates after charge-off 3. * * Required Fields for Charge-Off Status Missing ( CRRG Section 6.3 ) * * Terms field reported as " Not reported '' ( Field 14 ) Monthly Payment field reported as " Not reported '' ( Field 9 ) XXXX XXXX Format requires complete field reporting even for charged-off accounts 4. * * Date of First Delinquency Reporting Error ( CRRG Section 5.4 ) * * DOFD field not visible or properly reported " On record until XX/XX/XXXX '' suggests a DOFD calculation without proper disclosure XXXX XXXX Format requires accurate DOFD reporting to establish correct purge dates 5. * * Dispute Resolution Error ( CRRG Section 7 ) * * " This item remained unchanged from our processing of your dispute in XXXX XXXX '' No Consumer Dispute Indicator codes visible after investigation XXXX XXXX Format requires appropriate XXXX codes after investigation # # ACCOUNT # XXXX : XXXX XXXX XXXX XXXX XXXX * * Simultaneous Status Code Contradiction ( CRRG Section 6.3 ) * * Reports " Account charged off. {$73.00} written off. {$30.00} past due as of XX/XX/XXXX '' XXXX XXXX Format prohibits concurrent charged-off status ( Code 97 ) and current delinquency Fields 9 and 10 must be XXXX after charge-off per CRRG guidelines 2. * * Address Identification Number Duplication * * Both XXXX and XXXX report identical number ( XXXX ) XXXX 2 Format requires unique identifiers for each furnisher This cross-contamination violates data segregation requirements Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of these specific XXXX XXXX Format violations. Generic automated verification responses will not be considered compliant with this requirement, as they fail to address the technical formatting violations identified.

I hereby request : 1. Immediate investigation of these specific XXXX XXXX Format violations 2. Prompt deletion of all information that can not be properly verified in XXXX XXXX Format 3. Updated credit reports showing corrections or deletions 4. Written explanation of investigation methodology addressing each technical violation Please note that these specific technical violations render automated e-OSCAR verifications inadequate. Your investigation must include a technical analysis of the XXXX XXXX Format compliance issues identified. 

I expect your complete response within 30 days as required by federal law. Be advised that I am documenting all communications related to these violations to establish a pattern of practice regarding XXXX XXXX Format compliance. 

Sincerely, XXXX XXXX XXXX XXXX : Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN : XXXX " " This letter precisely targets the specific XXXX  XXXX Format violations in your credit report. The technical details make it difficult for the credit bureaus to dismiss with automated responses, as they directly reference the Consumer Reporting Resource Guide requirements that all furnishers must follow.

A few important notes about using this letter : 1. Send identical copies to all three major credit bureaus ( Equifax, XXXX XXXX ) 2. Send copies directly to the furnishers ( XXXX XXXX and XXXX XXXX ) with slight modifications addressing them directly 3. Use certified mail with return receipt for all correspondence 4. Keep detailed records of all responses 5. If you receive inadequate responses, follow up with a complaint to the Consumer Financial Protection Bureau ( CFPB ) citing these specific XXXX XXXX Format violations

Company response to consumer: Closed with explanation