Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am formally disputing the accuracy and completeness of a collection account that appears on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i, to request a reasonable reinvestigation of this information. This account is either inaccurate, incomplete, or unverifiable, and should be removed if the data furnisher is unable to provide full verification. 
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX CRED, Account Number : XXXXXXXX XXXX XXXX XXXX * Metro2 Violation Incorrect or noncompliant credit data reporting against Metro 2 standards.

-Account type must be reported with a valid Metro-2 status code. Account Type Code Missing. 
-Terms duration must be a numeric value. Terms Duration Not Numeric.

-Scheduled monthly payment must be a numeric value. Scheduled Payment Not Numeric.

-Delinquent accounts must report amount past due. Amount Past Due Missing for Delinquent Account.

-Account number contains non-alphanumeric/special characters. Contains Invalid Characters.

-Actual payment amount must be reported. Actual Payment Amount is Missing.

FCRA Violation Incorrect or noncompliant credit data reporting against FCRA standards.

-FCRA requires accurate reporting of Account Type, Required Field Account Type Missing. FCRA 623 ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.

Under 15 USC 1692e, it is unlawful for debt collectors to use false or misleading representations. The information reported regarding this debt is inaccurate and misleading.

I demand that this account be removed.

Under 15 USC 1681n, I reserve the right to pursue legal action for willful noncompliance.

Despite previous disputes, this inaccurate account remains uncorrected. Please treat this as formal notice and take immediate corrective action. 
XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Metro2 Violation Incorrect or noncompliant credit data reporting against Metro 2 standards.

-Account type must be reported with a valid Metro-2 status code. Account Type Code Missing.

-Terms duration must be a numeric value. Terms Duration Not Numeric.

-Scheduled monthly payment must be a numeric value. Scheduled Payment Not Numeric.

-Delinquent accounts must report amount past due. Amount Past Due Missing for Delinquent Account.

-Account number contains non-alphanumeric/special characters. Contains Invalid Characters.

-Actual payment amount must be reported. Actual Payment Amount is Missing.

FCRA Violation Incorrect or noncompliant credit data reporting against FCRA standards.

-FCRA requires accurate reporting of Account Type, Required Field Account Type Missing. FCRA 623 ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.

Under 15 USC 1692e, it is unlawful for debt collectors to use false or misleading representations. The information reported regarding this debt is inaccurate and misleading.

I demand that this account be removed.

Under 15 USC 1681n, I reserve the right to pursue legal action for willful noncompliance. 
Despite previous disputes, this inaccurate account remains uncorrected. Please treat this as formal notice and take immediate corrective action. 
XXXX XXXX, Account Number : XXXX XXXX XXXX Metro2 Violation Incorrect or noncompliant credit data reporting against Metro 2 standards.

-Account type must be reported with a valid Metro-2 status code. Account Type Code Missing.

-Terms duration must be a numeric value. Terms Duration Not Numeric.

-Scheduled monthly payment must be a numeric value. Scheduled Payment Not Numeric.

-Delinquent accounts must report amount past due. Amount Past Due Missing for Delinquent Account.

-Account number contains non-alphanumeric/special characters. Contains Invalid Characters.

-Actual payment amount must be reported. Actual Payment Amount is Missing.

FCRA Violation Incorrect or noncompliant credit data reporting against FCRA standards.

-FCRA requires accurate reporting of Account Type, Required Field Account Type Missing. FCRA 623 ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.

Under 15 USC 1692e, it is unlawful for debt collectors to use false or misleading representations. The information reported regarding this debt is inaccurate and misleading.

I demand that this account be removed.

Under 15 USC 1681n, I reserve the right to pursue legal action for willful noncompliance.

Despite previous disputes, this inaccurate account remains uncorrected. Please treat this as formal notice and take immediate corrective action.

XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX Metro2 Violation Incorrect or noncompliant credit data reporting against Metro 2 standards.

-Account type must be reported with a valid Metro-2 status code. Account Type Code Missing. 
-Terms duration must be a numeric value. Terms Duration Not Numeric.

-Scheduled monthly payment must be a numeric value. Scheduled Payment Not Numeric.

-Delinquent accounts must report amount past due. Amount Past Due Missing for Delinquent Account.

-Account number contains non-alphanumeric/special characters. Contains Invalid Characters.

-Actual payment amount must be reported. Actual Payment Amount is Missing.

FCRA Violation Incorrect or noncompliant credit data reporting against FCRA standards.

-FCRA requires accurate reporting of Account Type, Required Field Account Type Missing. FCRA 623 ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.

Under 15 USC 1692e, it is unlawful for debt collectors to use false or misleading representations. The information reported regarding this debt is inaccurate and misleading.

I demand that this account be removed.

Under 15 USC 1681n, I reserve the right to pursue legal action for willful noncompliance.

Despite previous disputes, this inaccurate account remains uncorrected. Please treat this as formal notice and take immediate corrective action.

This account was reported to the credit bureaus without my prior knowledge or consent, and I never received any communication or documentation regarding this alleged debt from the collector. As such, I question its accuracy, origin, and legitimacy.

Verification Requirements : To reasonably verify this account, the data furnisher must be able to substantiate and provide : The name and address of the original creditor The full account number and original amount allegedly owed A signed contract or agreement bearing my signature ( if applicable ) A full itemized breakdown of all charges, fees, and interest added Proof that the collector is licensed and authorized to collect in my state Evidence that they are the current legal owner of the debt or acting on behalf of the owner A complete payment history and transaction ledger If the data furnisher is unable to provide this information, the account is unverifiable and must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Additionally, furnisher failed to provide me with the required written notice within five ( 5 ) days of your initial communication, as required by law.

Credit reporting constitutes a collection activity, and thus, the furnishers reporting without prior notice is a violation of 15 U.S.C. 1692e, 1692g, and possibly the FCRA.

Under FCRA, you are required to complete this reinvestigation within 30 days.

Reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ).

If this dispute is not resolved properly, I reserve the right to pursue additional remedies through the Consumer Financial Protection Bureau ( CFPB ), state regulators, and other legal channels.

Please confirm the results of your reinvestigation in writing to the address listed above. If the account can not be fully verified with original source documentation, it must be immediately deleted from all credit bureau databases.

From my dispute letter that was mailed via certified mail, Equifax stated that the information from the accounts listed above were verified, I did not receive all of the information I requested after there reinvestigation. My consumer rights are still being violated after there reinvestigation results. I have called and spoke with management and they stated that can not remove the accounts listed above even though my rights are being violated. I have enclosed each Fcra violation that is being violated as well as metro 2 non compliance issues per account.

Additionally, furnisher failed to provide me with the required written notice within five ( 5 ) days of There initial communication, as required by law.

Company response to consumer: Closed with explanation