Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
To : Equifax XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Demand for Immediate Correction or DeletionXX/XX/XXXX Collection Account Dear Credit Bureau, This letter serves as a formal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) for the immediate investigation and correctionor complete removalof the following erroneous and incomplete collection account currently listed on my credit report : Original Creditor :XX/XX/XXXX Account Opened : XX/XX/XXXX Current Status : Open Collection Outstanding Balance : {$1300.00} Highest Balance : {$1300.00} Material Inaccuracies and Omissions : The tradeline does not identify the collection agency currently reporting or managing the account, which is a violation of data accuracy and transparency requirements under FCRA 609 and 611, and Metro 2 reporting guidelines.

The account omits key fields, including the Date of First Delinquency ( DOFD ), charge-off date, and any payment or activity historyall of which are necessary to determine credit report aging and compliance under FCRA 605 ( c ).

The account has remained open with no updates or verifiable activity for over four years, making its continued reporting potentially outdated, unverifiable, and prejudicial to my credit file.

New York State Statute of Limitations : Pursuant to New York General Business Law 601, the statute of limitations for collecting consumer debt is three ( 3 ) years from the date the debt became due. As this account was opened in XX/XX/XXXX and no verifiable payment or communication has occurred since that time, it is now legally time-barred from enforcement under state law. 

Continuing to report this collection without clear validation may constitute willful noncompliance under FCRA 616 and 617, and may also run afoul of state consumer protection laws against deceptive or misleading credit reporting.

Legal Demand for Resolution : I hereby demand the following actions be taken within the statutory 30-day period following receipt of this notice : Furnish all missing and required fields, including : The name of the current debt owner or collector The original Date of First Delinquency The date of last payment or activity, and any charge-off date OR If this information can not be verified to the standards set forth in FCRA 611, I demand that this account be permanently deleted from all of my credit reports maintained by your agency.

Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York Attorney Generals Office for investigation into noncompliance and consumer harm.

I expect written confirmation of your findings and the results of your reinvestigation within the legally mandated 30-day period.

Company response to consumer: Closed with explanation