Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ) Re : Dispute of Inaccurate Credit Information Account Number : XXXXOriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Name : XXXX XXXXXXXX : XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA, FDCPA, and Metro 2 Compliance Standards Dear Sir or Madam, Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards, I am disputing the accuracy of the above-referenced account appearing on my credit reports with XXXX XXXX, and Equifax. The reporting of this account contains multiple inaccuracies, violates federal and state regulations, and has caused me significant harm. I demand a thorough investigation, correction, or permanent deletion of this account, as well as compensation for damages caused by the furnishers and credit bureaus willful noncompliance. I invoke my rights Without Prejudice UCC 1-308, reserving all legal rights. 
Inaccuracies and Violations Identified The following inaccuracies and statutory violations are present in the reporting of the account by XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX with account number XXXX : 1. Incorrect Date of First Delinquency ( DOFD ) : * Violation : The Date of First Delinquency ( DOFD ) is not accurately reported, violating 15 U.S.C. 1681c ( g ) and Metro 2 guidelines ( XXXX XXXX, XXXX XXXX ). The DOFD must reflect the first date the account became delinquent and was not brought current. The reported DOFD is either missing or incorrect, leading to improper aging of the account and misleading credit reporting. 
* Case Law : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that inaccurate reporting of delinquency dates violates FCRAs requirement for accurate reporting under 15 U.S.C. 1681e ( b ).

* Demand : Verify the DOFD with the original creditors records. If unverifiable, the account must be deleted per 15 U.S.C. 1681i ( a ) ( 5 ).

2. Inaccurate Account Status and Payment History : * Violation : The account is reported with a status of Seriously past due/ assigned to collection and inconsistent payment history across bureaus ( e.g., CO on XXXX XXXX XXXX, but Unpaid on Equifax ). This violates Metro 2 compliance ( XXXX XXXX, Account XXXX XXXX ) and 15 U.S.C. 1681e ( b ), which requires furnishers to ensure accurate and consistent reporting. The payment history shows no payments made, which is inconsistent with the reported Date of Last Payment ( XX/XX/XXXX ). 
* Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that inconsistent or misleading reporting constitutes a violation of FCRAs accuracy requirements. 
* Demand : Correct the account status and payment history to reflect accurate payment records or delete the account if unverifiable. 
3. Failure to Conduct a Reasonable Investigation : * Violation : Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation of disputed information, review all relevant information provided by the consumer, and correct or delete unverifiable data. The continued reporting of this account without verification suggests a failure to comply with this obligation. 
* XXXX XXXX : In XXXX v. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court held that furnishers must conduct meaningful investigations, not merely rely on automated systems like e-OSCAR. 
* Demand : Provide evidence of a reasonable investigation, including documentation from the original creditor XXXX XXXX XXXX XXXX XXXX verifying the accounts status, balance, and DOFD.

4. Misleading Electronic Communication ( Potential Wire Fraud ) : * Violation : The furnishers transmission of false or misleading data through the e-OSCAR system may constitute wire fraud under 18 U.S.C. 1343, as it involves knowingly transmitting inaccurate information across state lines to harm my creditworthiness. 
* Demand : Cease all electronic reporting of this account until accuracy is verified, and provide proof of compliance with Metro 2 standards.

5. Violation of FDCPA : * Violation : The furnishers reporting of this account as a collection without proper validation violates 15 U.S.C. 1692g ( b ) of the FDCPA, which requires debt collectors to validate debts upon consumer request. Additionally, the misleading status codes and comments violate 15 U.S.C. 1692e, prohibiting false or deceptive representations. 
* Demand : Provide validation of the debt, including the original contract with XXXX XXXX XXXX , or delete the account. 
6. Non-Compliance with OCRA ( Oregon Consumer Reporting Act ) : * Violation : If applicable, the reporting of inaccurate information violates Oregons consumer protection laws, which align with FCRAs accuracy and investigation requirements.

* Demand : Ensure compliance with state-specific regulations or delete the account.

Requested Actions Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation within 30 days of receiving this dispute. I demand the following : XXXX. Permanent Deletion : Delete the account from all credit reports if any information ( DOFD, status, balance, or payment history ) can not be verified with documented evidence from the original creditor. 
XXXX. Correction of Inaccuracies : If the account is verified, correct all inaccurate fields ( e.g., DOFD, status, payment history ) to comply with Metro 2 and FCRA 1681e ( b ).

3. Cease Reporting : Immediately cease reporting this account to all credit bureaus until accuracy is verified.

4. Compensation for Damages : Pursuant to 15 U.S.C. 1681n, I seek compensation for actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorneys fees ( if applicable ) due to willful noncompliance. The inaccurate reporting has caused financial harm, emotional distress, and damage to my creditworthiness.

5. Proof of Investigation : Provide a detailed report of your investigation, including all communications with the furnisher and copies of documents used to verify the account. 



Re : Dispute of Inaccurate Credit Information Account Number : XXXX Creditor : XXXX XXXX XXXX.Furnisher : XXXX XXXX XXXXConsumer Name : XXXX XXXXXXXX : XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA, FDCPA, and Metro 2 Compliance Standards Dear Sir or Madam, Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards, I am disputing the accuracy of the above-referenced account appearing on my credit reports with TransUnion, Experian, and Equifax. The reporting of this account contains multiple inaccuracies, violates federal and state regulations, and has caused me significant harm. I demand a thorough investigation, correction, or permanent deletion of this account, as well as compensation for damages caused by the furnishers and credit bureaus willful noncompliance. I invoke my rights Without Prejudice UCC 1-308, reserving all legal rights. 
Inaccuracies and Violations Identified The following inaccuracies and statutory violations are present in the reporting of the account by XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX with account number XXXX : 1. Incorrect Date of First Delinquency ( DOFD ) : * Violation : The Date of First Delinquency ( DOFD ) is not accurately reported, violating 15 U.S.C. 1681c ( g ) and Metro 2 guidelines ( XXXX XXXX, XXXX XXXX ). The DOFD must reflect the first date the account became delinquent and was not brought current. The reported DOFD is either missing or incorrect, leading to improper aging of the account and misleading credit reporting. 
* Case Law : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that inaccurate reporting of delinquency dates violates FCRAs requirement for accurate reporting under 15 U.S.C. 1681e ( b ).

* Demand : Verify the DOFD with the original creditors records. If unverifiable, the account must be deleted per 15 U.S.C. 1681i ( a ) ( 5 ). 
2. Inaccurate Account Status and Payment History : * Violation : The account is reported with a status of Seriously past due/ assigned to collection and inconsistent payment history across bureaus ( e.g., CO on TransUnion and Experian, but Unpaid on Equifax ). This violates Metro 2 compliance ( XXXX XXXX, Account XXXX XXXX ) and 15 U.S.C. 1681e ( b ), which requires furnishers to ensure accurate and consistent reporting. The payment history shows no payments made, which is inconsistent with the reported Date of Last Payment ( XX/XX/XXXX ). 
* Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that inconsistent or misleading reporting constitutes a violation of FCRAs accuracy requirements. 
* Demand : Correct the account status and payment history to reflect accurate payment records or delete the account if unverifiable. 
3. Failure to Conduct a Reasonable Investigation : * Violation : Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation of disputed information, review all relevant information provided by the consumer, and correct or delete unverifiable data. The continued reporting of this account without verification suggests a failure to comply with this obligation. 
* XXXX XXXX : In XXXX v. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court held that furnishers must conduct meaningful investigations, not merely rely on automated systems like e-OSCAR.

* Demand : Provide evidence of a reasonable investigation, including documentation from the original creditor XXXX XXXX XXXX XXXX XXXX verifying the accounts status, balance, and DOFD.

4. Misleading Electronic Communication ( Potential Wire Fraud ) : * Violation : The furnishers transmission of false or misleading data through the e-OSCAR system may constitute wire fraud under 18 U.S.C. 1343, as it involves knowingly transmitting inaccurate information across state lines to harm my creditworthiness.

* Demand : Cease all electronic reporting of this account until accuracy is verified, and provide proof of compliance with Metro 2 standards.

5. Violation of FDCPA : * Violation : The furnishers reporting of this account as a collection without proper validation violates 15 U.S.C. 1692g ( b ) of the FDCPA, which requires debt collectors to validate debts upon consumer request. Additionally, the misleading status codes and comments violate 15 U.S.C. 1692e, prohibiting false or deceptive representations. 
* Demand : Provide validation of the debt, including the original contract with XXXX XXXX XXXX XXXX or delete the account.

6. Non-Compliance with OCRA ( Oregon Consumer Reporting Act ) : * Violation : If applicable, the reporting of inaccurate information violates Oregons consumer protection laws, which align with FCRAs accuracy and investigation requirements. 
* Demand : Ensure compliance with state-specific regulations or delete the account. 
Requested Actions Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation within 30 days of receiving this dispute. I demand the following : 1. Permanent Deletion : Delete the account from all credit reports if any information ( DOFD, status, balance, or payment history ) can not be verified with documented evidence from the original creditor.

2. Correction of Inaccuracies : If the account is verified, correct all inaccurate fields ( e.g., DOFD, status, payment history ) to comply with Metro 2 and FCRA 1681e ( b ). 
3. Cease Reporting : Immediately cease reporting this account to all credit bureaus until accuracy is verified.

4. Compensation for Damages : Pursuant to 15 U.S.C. 1681n, I seek compensation for actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorneys fees ( if applicable ) due to willful noncompliance. The inaccurate reporting has caused financial harm, emotional distress, and damage to my creditworthiness.

5. Proof of Investigation : Provide a detailed report of your investigation, including all communications with the furnisher and copies of documents used to verify the account. 

Notice of Potential Legal Action Failure to comply with FCRA, FDCPA, and Metro 2 requirements may result in legal action for willful noncompliance under 15 U.S.C. 1681n or negligent noncompliance under 15 U.S.C. 1681o. I reserve the right to pursue all available remedies, including actual, statutory, and punitive damages. Without Prejudice UCC 1-308

Company response to consumer: Closed with explanation