Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Equifax for inaccurate and unverified information on my credit report, which is hindering my ability to secure financing. Despite multiple requests to Equifax to correct or remove these inaccuracies, the issues persist, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Metro 2 reporting standards. Below are the details of the disputed accounts and my concerns : Disputed Accounts and Issues XXXX XXXX XXXX ( Account Number Ending in XXXX XXXX XXXX  ) XXXX XXXX Issue : Listed as CollectionOrChargeOff with dates of XXXX and XXXX, and a balance of {$18000.00}. 
Concerns : The reported balance, term length ( 1 month ), and creditor remarks ( " XXXX XXXX '' ) are inaccurate and do not comply with Metro 2 standards. 
No proof has been provided to verify the {$18000.00} debt. 
The accounts reporting is incomplete and unverified, impacting my financing options. 
Request : Immediate deletion of this account and provision of supporting documentation verifying its accuracy, as required by 15 U.S.C. 1681s-2.

XXXX XXXX XXXX ( Account Number XXXXXXXX XXXX XXXX ) XXXX XXXX Issue : Listed as CollectionOrChargeOff with an opening date of XXXX, last activity on XXXX, and last verified on XXXX, with a disputed balance of {$3300.00}. 
Concerns : The accounts accuracy has not been independently verified, violating precedents such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
The reported data does not meet XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 standards. 
Request : Provide documentation verifying the accounts accuracy and the {$3300.00} balance, or remove the account from my credit report. 
XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX ) XXXX XXXX  Issue : Listed as CollectionOrChargeOff with an opening date of XXXX, last activity date of XXXX, and last verified on XXXX, with a disputed balance of {$14000.00}. 
Concerns : The reported data is inaccurate and lacks verification, violating 15 U.S.C. 1681.

No supporting documentation has been provided to substantiate the reported balance. 
Request : Provide proof of accuracy and compliance with Metro 2 standards, or remove the account from my credit report.

XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX ) XXXX XXXX  Issue : A late payment is reported for XXXX, listed as " As Agreed '' with a last activity date of XXXX. 
Concerns : The late payment is due to a billing error and should be corrected to paid as agreed or never late. 
The account description and creditor type ( Banking ) do not comply with Metro 2 standards.

Request : Correct the late payment status and provide proof of compliance with FCRA and Metro 2 standards, or remove the account.

Department of EducationXXXX ( Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Listed with an account status of Open, last verified on XXXX, and a payment amount of {$0.00}. 
Concerns : The accounts high balance ( {>= $1,000,000} ) and credit limit ( {$2400.00} ) are inaccurate and unverified. 
No documentation has been provided to demonstrate compliance with Metro 2 standards or FCRA regulations.

Request : Provide tangible proof of accuracy and compliance, or remove the account from my credit report. 
Unauthorized Inquiry by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Issue : An inquiry was made without my consent. 
Concerns : This violates FCRA guidelines, as no documentation has been provided to show permissible purpose. 
Request : Remove the inquiry or provide proof of authorization under FCRA. 
Under the FCRA ( 15 U.S.C. 1681 ), Equifax is obligated to ensure the accuracy and completeness of credit report information. The cited legal precedents XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX  ) emphasize that credit reporting agencies must conduct thorough investigations and can not rely solely on creditor-provided data. Additionally, Metro 2 standards, as established by the XXXX, require accurate and compliant reporting of all account details. Equifaxs failure to provide verifiable documentation or correct these inaccuracies violates these regulations.

Company response to consumer: Closed with non-monetary relief