Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
URGENT LEGAL COMPLAINT UNLICENSED COLLECTION ACTIVITY, FORFEITED STATUS IN MARYLAND, FALSE CREDIT REPORTING, METRO 2 NONCOMPLIANCE, AND VIOLATIONS OF FCRA & FDCPA I am writing to file a formal complaint and legal demand concerning XXXX Servicings unlawful, deceptive, and fraudulent activity in connection with alleged debt collection and false credit reporting. This letter is being simultaneously sent to appropriate federal and state regulators due to the seriousness of these violations. 

SUMMARY OF VIOLATIONS : Unlicensed collection activity in the State of Maryland, where I reside. 

Operating in forfeited status and not in good standing, confirmed by the Maryland Department of Assessments & Taxation.

Furnishing false 90-day late payment data to Equifax, Experian, and Tra
nsUnion.

Failure to comply with Metro 2 credit reporting guidelines. 

Violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and state-level consumer protection laws. 

XXXX IS NOT LICENSED TO OPERATE IN MARYLAND According to the Maryland Collection Agency Licensing Act ( MCALA ), any business collecting debts from Maryland residents must be licensed by the Commissioner of Financial Regulation. A public records check confirms : XXXX has NO active license on file in the state of Maryland. 

XXXX has no active resident agent in Maryland. 

Business status : FORFEITED Good standing : NOT in good standing ( See attached record from Maryland SDAT Department ID XXXX ). 

According to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), * * collecting debt while unlicensed in Maryland constitutes a violation of the FDCPA. XXXX is acting without authority and in contempt of Maryland state law. 

FALSE CREDIT REPORTING & LACK OF REQUIRED CONTACT Nelnet has furnished fraudulent 90-day late payments to all three credit reporting agencies. This reporting contradicts prior records of on-time payment and was done : Without 21 days written notice prior to the alleged delinquency, as required by 20 U.S.C. 1083 ( e ). 

Without any email, text message, phone call, or XXXXtracked letter notifying me of a default. 

While the company is not authorized to conduct business in my state of residence.

These actions violate : 15 U.S.C. 1681s-2 ( a ) Furnishing data with knowledge of its inaccuracy 15 U.S.C. 1681s-2 ( b ) Failure to correct false data after dispute 15 U.S.C. 1681i ( a ) Credit bureaus and furnishers must delete unverifiable data 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibits deceptive and abusive financial practices 15 U.S.C. 1692e and 1692f ( FDCPA ) Prohibits deceptive and unfair debt collection methods XXXX XXXX COMPLIANCE VIOLATIONS Your company has failed to follow mandatory XXXX XXXX Format standards in the following ways : 1. Payment History Profile ( PHP ) Reporting 90-day late payments without 30/60-day progression ( 1, 2, 3 ) breaks the required sequential logic. This renders the tradeline inaccurate and misleading. 

2. Compliance Condition Codes ( CCC ) You failed to use XXXX XXXX XXXX XXXX codes during active disputes and identity theft filingsa direct breach of FCRA and XXXX XXXX. 

XXXX. Date of First Delinquency ( DOFD ) No DOFD or an invalid DOFD has been supplied, violating 15 U.S.C. 1681c ( c ).

4. Account Status vs Payment Rating Conflict Reporting Account Status : 11 ( Current ) with a Payment Rating : 78 ( 90 Days Late ) is contradictory and misleading.

5. Special Comment Codes You omitted proper codes like CP to reflect forbearance or partial payment programs. 

LEGAL DEMANDS Pursuant to the FCRA, FDCPA, MCALA, and Metro 2 guidelines, I demand : Immediate deletion of all XXXX-related tradelines from my consumer reports. 

A written acknowledgment of XXXX lack of licensure and forfeited status in Maryland. 

A cease and desist from any further collection activity in my state. 

A copy of all documentation of attempted contact, including XXXX tracking numbers, email headers, phone records, and internal account notes. 

Confirmation that you have reviewed and corrected XXXX XXXX formatting errors. 

FAILURE TO COMPLY If you do not remedy this matter within four ( 4 ) business days, I will proceed with : Filing a formal complaint with the Maryland Attorney General, and FTC. 

Filing with the Commissioner of Financial Regulation for unlicensed collection activity.

Legal action for violations of the FCRA, FDCPA, MCPA, and MCALA, seeking damages, costs, and injunctive relief. 
I have enclosed documentation of XXXX BEING UNLICENSED IN THE STATE OF MARYLAND

Company response to consumer: Closed with explanation