Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To Whom It May Concern : * * I am formally disputing the validity and legality of two interconnected entries that have recently appeared on my Equifax credit report. These entries are related to an alleged auto loan account originally from XXXX XXXX XXXX, which is now listed as a collection account by XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX Disputed Accounts : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Account Number ( masked ) : XXXXXXXX XXXX Status : Charge-Off XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : \ {$8900.00} XXXX Date of First Delinquency : XX/XX/XXXX * * XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( masked ) : XXXXXXXX XXXX Status : Collection Debt Buyer * Date Opened : XX/XX/XXXXXXXX XXXX Balance : \ {$8500.00} XXXX Date of First Delinquency : XX/XX/XXXXXXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : Under the Fair Credit Reporting Act ( FCRA ), I am asserting that these accounts are being reported XXXX XXXX  inaccurately, improperly, and in violation of multiple provisions * * of federal consumer protection laws. This dispute includes but is not limited to the following claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Double Reporting / Duplicate Entry ( FCRA 623 & 607 ) XXXX XXXX XXXXXXXX XXXX has already charged off this account. The same debt ( with only a slightly reduced balance ) is now being reported by XXXX XXXX XXXX. This constitutes potential * * duplicate reporting of the same obligation XXXX XXXX which * * inflates my debt-to-income ratio and falsely impacts my credit profile XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to Validate Debt / Chain of Custody ( FDCPA & FCRA Violations ) * * The collection account was opened by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet the date of first delinquency listed is * * XX/XX/XXXXXXXX XXXX XXXX  nearly XXXX XXXX two years earlier XXXX XXXX This discrepancy raises serious legal questions : XXXX Where is the XXXX XXXX proof of purchase or assignment XXXX XXXX from XXXX to XXXX XXXX? 
* Has XXXX XXXX properly XXXX XXXX validated the debt XXXX XXXX, as required under the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA 809 ) XXXX XXXX 
XXXX Can they prove XXXX XXXX  standing to collect XXXX XXXX  if the debt was securitized or transferred in a manner that voided their legal interest? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Obligation May Be Extinguished or Securitized ( UCC / Case Law XXXX XXXX XXXX  I have reason to believe that the original loan may have been * * securitized or bundled into a trust * *, which may have altered or extinguished the enforceability of the debt by XXXX or XXXX XXXX. If so, any current attempt to collect or report this debt without full chain-of-custody documentation is misleading and unlawful under XXXX XXXX FCRA 607 ( b ) XXXX XXXX  and XXXX XXXX FDCPA 807 ( 2 ) ( A ) XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation of Metro 2 Guidelines & Incomplete Reporting XXXX XXXX XXXX XXXX XXXX fails to list a clear Date of Last Activity, even though it is required for accurate aging of accounts. 
* The reporting appears incomplete and inconsistent with the Metro 2 data format. 
* The consumer disputes reinvestigation in progress comment from XXXX suggests XXXX XXXX  an unresolved dispute XXXX XXXX  yet a new collector has appeared, potentially in violation of XXXX XXXX FCRA 611 XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX  Relief Requested : 1. XXXX XXXX Immediate removal * XXXX  of the XXXX XXXX account from my Equifax credit report as XXXX XXXX an invalid, unvalidated collection XXXX XXXX  entry. 
2. Investigation into whether XXXX XXXX has a valid legal right to report or collect this alleged debt. 
3. Review the XXXX entry for accuracy and ensure XXXX XXXX no duplicate impact * * from the XXXX XXXX account. 
4. Provide XXXX XXXX  full documentation XXXX XXXX validating the chain of title and legal authority to report or collect on this debt ( e.g., bill of sale, assignment agreement, and original signed contract ). 
5. If no such documentation exists, I request immediate deletion of both accounts under XXXX XXXX FCRA 609 ( a ) and 611 XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  Supporting Info : XXXX  My current address : XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX Full name : XXXX XXXXXXXX XXXX XXXX Last 4 digits of XXXX : XXXXXXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX Thank you for your prompt attention to this matter. I reserve the right to pursue further legal remedies if this inaccurate and potentially unlawful reporting is not corrected. 

Sincerely, XXXX XXXX, XXXX ---

Company response to consumer: Closed with non-monetary relief