Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
XX/XX/XXXX Data Furnisher Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting Demand for Permanent Deletion and CompensationAccount Number : Unknown Dispute ID : inaccurate Dear Sir or Madam, I am writing to formally dispute the inaccurate and unverifiable information reported on my credit report by XXXX XXXX for the above-referenced account, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. I demand a thorough investigation, correction, or permanent deletion of this account from my credit file, as well as compensation for the damages caused by these violations. This dispute complies with the e-OSCAR system requirements and Metro 2 guidelines, and I invoke my rights under federal and state laws, including but not limited to FCRA 1681e ( b ), 1681s-2 ( b ), and 18 U.S.C. 1343 ( wire fraud ). 
Inaccuracies and Violations The XXXX XXXX account, reported as of XX/XX/XXXX, contains multiple inaccuracies and non-compliant reporting practices, as outlined below : XXXX. Inaccurate Date of First Delinquency ( DOFD ) : * The XXXX is either unreported or inaccurately reported, violating 15 U.S.C. 1681c and Metro 2 guidelines ( XXXX segment ). The XXXX determines the obsolescence period for derogatory accounts, and failure to report it accurately misleads creditors and violates FCRA 1681e ( b ), which mandates reasonable procedures to ensure maximum accuracy. 
* Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that inaccurate reporting of delinquency dates violates FCRAs accuracy requirements. 
* Demand : Verify the DOFD with original documentation ( e.g., payment history or contract ). If unverifiable, delete the account per XXXX U.S.C. XXXX ( a ) ( XXXX ). 
XXXX. Misleading Payment History and Status Codes : * The account is reported as Derogatory with a Charge-off and Profit and loss write-off remark, yet the payment history shows only A ( derogatory ) for XXXX and no detailed history for prior years. This violates Metro 2 standards ( Base Segment, Payment History Profile ), which require accurate status codes ( e.g., XXXX for charge-off, XXXX for repossession ) and complete payment history. 
* The reported XXXX Days Late worst payment status conflicts with the lack of detailed late payment history, rendering the reporting misleading under FCRA 1681e ( b ). 
* XXXX XXXX : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, furnishers were held liable for failing to report accurate payment statuses. 
* Demand : Provide documentation substantiating each late payment and status code. If unverifiable, delete the account. 
XXXX. Failure to Validate Debt : * XXXX XXXX has not provided evidence of debt validation, such as the original contract, payment history, or proof of ownership, violating FDCPA 1692g ( b ). Reporting unvalidated debts is a deceptive practice under FDCPA 1692e. 
* Demand : Furnish proof of debt validation, including the original creditor agreement and chain of title. If unavailable, delete the account. 
XXXX. Non-Compliance with Metro 2 Role Reporting : * The account lists my responsibility as Individual but fails to clarify whether XXXX XXXX is the original creditor or a third-party furnisher. Metro 2 requires accurate reporting of the furnishers role ( e.g., XXXX field for account type ). Misreporting violates FCRA 1681s-2 ( b ). 
* Demand : Clarify XXXX XXXX role and provide supporting documentation. If unverifiable, delete the account. 
XXXX. Lack of 1099-C Issuance for Charged-Off Debt : * The account is reported as a Profit and loss write-off ( charge-off ), but no IRS Form 1099-C ( Cancellation of Debt ) has been issued, as required by IRS regulations for debts over {$600.00} discharged after XX/XX/XXXX. This omission suggests the debt may not have been legally discharged, rendering the charge-off status inaccurate under FCRA 1681e ( b ).

* Demand : Provide a copy of the 1099-C or proof the debt was not discharged. If unverifiable, delete the account.

6. Potential Wire Fraud via e-OSCAR : * By uploading false or misleading data to my credit file through the e-OSCAR system, XXXX XXXX may have engaged in wire fraud under 18 U.S.C. 1343, which prohibits transmitting false information via electronic means to deceive. 
* Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court clarified intent requirements for wire fraud, applicable to deceptive credit reporting. 
* Demand : Provide all e-OSCAR transmissions related to this account, including XXXX XXXX XXXX XXXX ( XXXX ) records. If fraudulent reporting is confirmed, delete the account and report the violation to authorities. 
XXXX. Incomplete Investigation by Furnisher : * Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation, review all dispute information, and delete or correct unverifiable data. FLAGSHIP CRDs failure to validate the account or correct inaccuracies suggests non-compliance. 
* XXXX XXXX : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held furnishers liable for inadequate investigations. 
* Demand : Provide evidence of a reasonable investigation, including all documents reviewed. If non-compliant, delete the account. 
XXXX. Sale of Debt Without Disclosure : * The account appears to have been sold or transferred without proper disclosure, violating FCRA 1681b ( permissible purpose for credit reporting ) and UCC 1-308 ( reservation of rights ). No breakdown of the sale or chain of title was provided, rendering the reporting suspect.

* Demand : Provide documentation of the sale, including the buyers identity and terms. If unverifiable, delete the account.

Legal Obligations Under FCRA 1681i ( a ), credit bureaus must conduct a reasonable reinvestigation within 30 days, and under 1681s-2 ( b ), furnishers must : * Conduct a real investigation.

* Review all dispute information.

* Fix or delete unverifiable data.

Failure to comply may result in liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees under FCRA 1681n and 1681o. FDCPA violations may yield additional damages under 1692k.

Demands 1. Permanent Deletion : Remove the XXXX XXXX  account from my credit report with all three bureaus ( EquifaxXXXX XXXX XXXX ) due to the above violations. 
XXXX. Compensation : I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and time spent disputing. I estimate damages at {$5000.00}, subject to negotiation, based on FCRA and FDCPA violations. 
XXXX. Documentation : Provide all records related to this account, including : * Original contract and payment history.

* e-OSCAR ACDV records.

* Proof of debt validation.

* IRS Form 1099-C, if applicable.

* Investigation records under 1681s-2 ( b ). 
XXXX. Cease and Desist : XXXX XXXX must cease reporting this account and any related derogatory information. 
XXXX. Metro 2 Compliance : Ensure all future reporting complies with Metro 2 standards, including accurate status codes, XXXX, and furnisher role. 
Reservation of Rights I reserve all rights under UCC 1-308, without prejudice, and intend to pursue all legal remedies if this dispute is not resolved satisfactorily. I may file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state authorities, and pursue private litigation if necessary.

Company response to consumer: Closed with explanation