Consumer complaint received 2025-06-12 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:
I am extremely disappointed that inaccurate and misleading information has been included in my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any such data, and I demand immediate correction.

Creditors are required by law to verify and validate the accuracy of all reported information. Yet, this report includes false allegations of delinquency and derogatory status against me, which I reject entirely. I request concrete evidence supporting any negative status tied to my accounts, as well as documented proof of a permissible purpose for the account and inquiry listed.

Your failure to maintain accurate data demonstrates negligence. This must be corrected immediately. You have 30 days from the date of receipt of this notice to resolve this issue. If not resolved, I will escalate this matter further, which may include legal action.

Account in Question : XXXX XXXXXXXX You are reporting contradictory, false, and inconsistent information that violates : 15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S. Code 1681s-2 Reporting incomplete and inaccurate information 15 U.S. Code 1681b ( a ) ( 2 ) No evidence of my authorization or permissible purpose 15 U.S. Code 1666B Misrepresenting payment history and falsely reporting late payments within a grace period Payment status, last activity dates, and balance history are conflicting. These errors damage my creditworthiness. I demand that this account either be corrected to reflect Paid as Agreed or deleted entirely for failure to comply with federal law.

Please also refer to the attached image evidence regarding this account, as there may be additional compliance issues.

Upon review of the following fields for this account, further issues are noted : Date Opened ( XXXX ) : XX/XX/XXXX Inconsistencies suggest non-compliance with Metro 2 formatting standards.

High Credit ( XXXX ) : {$430.00} Data appears inaccurate and not supported by documentation. 

Credit Limit ( XXXX ) : {$300.00} Inconsistencies must be validated with proper substantiation. 

Last Reported : XX/XX/XXXX This data is not compliant with Metro 2 guidelines. Inaccurate timestamps or outdated data can not be tolerated.

Additionally, this letter serves as formal notice that I am aware of your potential use of automated or form letter responses to disputes, without reviewing the specific merits of each case. This is a potential violation of 15 U.S. Code 1681i, which requires a proper and individual investigation into all disputes.

If you fail to investigate my dispute properly or issue a boilerplate response, I reserve the right to escalate this to legal counsel. Continuing this practice may constitute intentional negligence and a willful violation of my consumer rights.

I expect full compliance and a written confirmation of the corrective action taken within 30 days of receipt of this notice

Company response to consumer: Closed with non-monetary relief