Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal dispute and demand for reinvestigation and permanent deletion of the XXXX XXXX XXXX tradeline ( Account No. XXXX ) from all three credit reporting agencies Equifax, Experian, and TransUnion due to your continued violation of federal law and industry-standard XXXX XXXX reporting guidelines. This dispute is based on new material evidence : a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, submitted as part of CFPB complaint # XXXX. In that letter, XXXX claims a civil judgment was entered against me on XX/XX/XXXX, yet they fail to provide any docket number, court name, or jurisdiction. I have submitted a XXXX Full File Disclosure dated XX/XX/XXXX, which confirms there is no such judgment in any state or federal court record. XXXX representation is therefore factually false, legally unsupported, and clearly unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).

To be clear, the XXXX XXXX XXXX tradeline contains incorrect account information and an inaccurate account status, including false legal claims and improperly coded data. These inaccuracies violate FCRA 1681e ( b ) and multiple provisions of the Metro 2 credit reporting standard, which all three credit bureaus are contractually and operationally bound to enforce.

Under FCRA 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy in all information reported. That standard can not be met when you rely on a furnisher like XXXX who has failed to substantiate the debt or provide any legitimate legal documentation. Additionally, I have provided all documentation required under FCRA 1681c-2 ( Section 605B ), including my FTC Identity Theft Report ( Ref. No. XXXX ), a valid government-issued ID, proof of address, and a signed identity theft affidavit. You are legally obligated to block and delete identity-theft-related tradelines within four business days, and your continued reporting of this fraudulent account represents willful and negligent noncompliance under FCRA 1681n and 1681o. 

This XXXX tradeline also fails multipl

e Metro 2 field-level compliance rules. It reflects conflicting account status indicators ( e.g., " closed '' while showing an active balance ), omits required identity theft indicators such as ECOA Code Z and Special Comment Code AA, and includes unsupported legal narrative referencing a judgment without any court data as required. These inconsistencies are violations not just of Metro 2 protocol but of your statutory obligations under the FCRA. This is a new and distinct dispute, supported by new documentary evidence. It is neither frivolous nor duplicative, and you are now on formal notice that your continued reporting of this inaccurate, unverifiable tradeline may constitute reckless disregard for the truth and systemic failure to comply with consumer protection law. 

I demand that you immediately delete the XXXX XXXX XXXX tradeline from all three of my credit reports and provide written confirmation of its removal. If this issue is not resolved without delay, I will escalate the matter to CFPB Enforcement, submit complaints to the Federal Trade Commission, and pursue legal remedies as permitted under the FCRA.

Company response to consumer: Closed with explanation