Consumer complaint received 2025-06-29 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter is a formal dispute regarding the following account being reported on my credit report : Creditor Name : XXXX XXXX Account Number ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Status : Collection account, past due as of XX/XX/XXXX Last Reported Status Update : XX/XX/XXXX I am disputing this account under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines XXXX After reviewing my credit report and your recent verification response, it is clear this account is being reported inaccurately and in violation of federal standards and industry data formatting protocols.

Metro 2 & FCRA Violations Identified : XXXX. Chronological Inaccuracy ( Metro 2 Violation ) The account shows a status update in XX/XX/XXXX with a past due as of date in XX/XX/XXXX, which is a chronological impossibility. This violates Metro 2 data logic rules, as account statuses can not reflect future-dated delinquencies. 

XXXX. Incomplete & Misleading Reporting The account lacks : A clear payment history Charge-off details or last payment activity Monthly payment information Contract terms or original creditor agreement This violates FCRA 623 ( a ) ( 1 ) ( A ) which requires furnishers to provide accurate and complete data to consumer reporting agencies. 

XXXX. Failure to Validate the Debt ( FCRA 611 ) You have failed to respond with a legally sufficient method of verification. Under FCRA 611, I am entitled to documentation that substantiates this debt including signed agreements, detailed account histories, and evidence of collection authority. None were provided.

4. No Notice of Collection Reporting ( FCRA 623 ( a ) ( 7 ) ) To date, I have received no documentation or formal notice that this account was being reported as a collection account, which violates FCRA 623 ( a ) ( 7 ).

Requested Remedy : Permanent Deletion Due to the above violations and your failure to comply with FCRA and Metro 2 formatting guidelines, I am formally requesting the immediate and permanent deletion of this account from all consumer credit reports.

If you are unable to provide documentation that proves the debt is valid and that all data points are being reported accurately and in Metro 2 compliance, the account must be removed entirely under FCRA 611 and 623.

Response Deadline : Please provide written confirmation of deletion or full verification documentation within XXXX XXXX XXXX  of receipt of this letter, as required under FCRA. 

Notice of Intent to Escalate If this dispute is not resolved within the legally required timeframe, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other appropriate regulatory authorities. Continued noncompliance may result in further legal action under FCRA 616 and 617.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC

Company response to consumer: Closed with non-monetary relief