Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Formal Dispute of Multiple Collection / Negative Tradelines Consumer : XXXX XXXX XXXX Equifax File : As of XX/XX/XXXX To Whom It XXXX Concern : Please be advised that I am disputing the accuracy, completeness, and legal compliance of the following negative tradelines reporting on my Equifax consumer file. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and CDIA Metro 2 reporting standards. 

I. ACCOUNTS AT ISSUE EQUIFAX For each tradeline below, I dispute all reported data, including but not limited to status, dates, balance, and DOFD. 

XXXX. XXXX Furnisher / Creditor : XXXX ( XXXX credit ) Partial Account Number : XXXX XXXX Date Opened/ Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Status Date : XX/XX/XXXX Balance / Amount : Not disclosed ( ) disputed Balance Date : XX/XX/XXXX Account Designator : Individual account Date of First Delinquency ( DOFD ) : Not disclosed in my Equifax file disputed and demanded XXXX XXXX XXXX Collection # XXXX Furnisher / Collector : XXXX ( XXXX XXXX Adjusters ) Partial Account Number : XXXX XXXX Date Assigned/ Placed for Collection : XX/XX/XXXX Date Reported : XX/XX/XXXX Status Date : XX/XX/XXXX Balance / Amount : {$110.00} Balance Date : XX/XX/XXXX Account Designator : Individual account DOFD : Not disclosed in my Equifax file disputed and demanded XXXX. XXXX Collection # XXXX Furnisher / Collector : XXXX ( XXXX XXXX Adjusters ) Partial Account Number : XXXX XXXX Date Assigned/ Placed for Collection : XX/XX/XXXX Date Reported : XX/XX/XXXX Status Date : XX/XX/XXXX Balance / Amount : {$2100.00} Balance Date : XX/XX/XXXX Account Designator : Individual account DOFD : Not disclosed in my Equifax file disputed and demanded XXXX. XXXX Furnisher / Creditor : XXXX ( XXXX Secret-branded credit ) Partial Account Number : XXXX XXXX Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Status Date : XX/XX/XXXX Balance / Amount : Not disclosed ( ) disputed Balance Date : XX/XX/XXXX Account Designator : Individual account DOFD : Not disclosed in my Equifax file disputed and demanded XXXX XXXX XXXX Furnisher XXXX XXXX : XXXX  ( XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Status Date : XX/XX/XXXX Balance / Amount : Not disclosed ( ) disputed Balance Date : XX/XX/XXXX Account Designator : Individual account DOFD : Not disclosed in my Equifax file disputed and demanded XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collector : XXXX Partial Account Number : XXXX XXXX Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Status Date : XX/XX/XXXX Balance / Amount : {$3200.00} Balance Date : XX/XX/XXXX Account Designator : Individual account DOFD : Not disclosed in my Equifax file disputed and demanded For each account above, I dispute the claimed balance, status, responsibility coding, dates reported, and the absence or concealment of the Date of First Delinquency. 

II. METRO 2 / DATA-FIELD DISPUTES 18-POINT CHECKLIST ( THIS SECTION APPLIES TO EACH LISTED ACCOUNT ) Pursuant to the FCRA and Metro 2 standards, I dispute and demand verification of at least the following eighteen ( 18 ) data elements for each of the above tradelines : 1. Consumer identity linkage 2. Address association 3. Date opened/ date assigned 4. Portfolio type / account type 5. ECOA / responsibility code 6. Current status code 7. Past-due amount / payment rating 8. Original amount / amount placed / amount charged off 9. Current balance 10. Date of First Delinquency ( DOFD ) 11. Date of last payment/ date of last activity 12. Date reported / status date 13. Payment history profile 14. Special comment / compliance condition codes 15. Dispute notation 16. Furnisher identity and ownership chain 17. Duplication 18. Obsolescence / reporting period [ Any data element that can not be fully verified from original, contemporaneous records must be corrected or deleted. ] III. FCRA REINVESTIGATION & FULL-FILE DISCLOSURE DEMAND This letter is a formal dispute under 15 U.S.C. 1681i. Equifax must conduct a reasonable reinvestigation of each disputed tradeline, notify the relevant furnishers of the specific items disputed, and delete or modify any information that is inaccurate, incomplete, or can not be verified. 

Pursuant to 15 U.S.C. 1681g ( a ), I also demand full file disclosure for each of the above accounts, including DOFD, all internal codes, archived versions, and a list of all persons or entities to whom Equifax has furnished a consumer report containing these tradelines within the last 24 months ( or longer, if applicable ). 

IV. METHOD OF VERIFICATION ( MOV ) DEMAND In addition to your standard investigation results, I specifically demand the method of verification for each account, including : 1. The precise steps taken by Equifax to verify each disputed data element ; 2. The name and department of each person at each furnisher who verified the information ; and 3. Copies or electronic images of all documents, records, or data on which Equifax relied. 

V. SUPPRESSION & DISPUTE NOTATION DURING REINVESTIGATION While this reinvestigation is pending, Equifax must : Clearly and conspicuously mark each tradeline as account information disputed by consumer on all reports ; and Refrain from furnishing these tradelines if their accuracy can not be certified during the investigation period. 

VI. DELETION IF UNVERIFIABLE & NOTICE TO THIRD PARTIES If any furnisher fails to provide competent, original-source documentation sufficient to verify each disputed element of a tradeline, Equifax must delete that tradeline from my file and send notice of the deletion to all persons who received my report within the applicable period, so they may receive an updated version.

VII. NO GENERIC / E-OSCAR RESPONSES I will not accept a generic or automated verified as accurate response that does not address this numbered dispute and my Method of Verification demands. Any such response will be considered evidence of an unreasonable reinvestigation. 

VIII. RESERVATION OF RIGHTS Nothing in this letter shall be construed as an admission that any alleged debt is valid, enforceable, or owed by me. I expressly reserve all rights, including but not limited to filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, state regulators, and pursuing any and all available causes of action under the FCRA, the Fair Debt Collection Practices Act ( as applicable to debt collectors ), and any other state or federal law. 

Respectfully, __________________________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation