Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX RE : Dispute of Inaccurate Credit Report InformationAccount Number : XXXX : XXXX  XXXX XXXX : XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate, unverifiable, and misleading information appearing on my credit report, specifically the account listed above with the XXXX XXXX XXXX  ( Account # XXXX XXXX XXXX This letter is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Metro 2 compliance standards as outlined by the Consumer Data Industry Association ( CDIA ). I demand a thorough investigation, correction, and permanent deletion of all inaccurate information, as well as compensation for damages resulting from these violations. I invoke my rights under Without Prejudice UCC 1-308, preserving all legal rights without waiving any. 
Violations and Inaccuracies Identified The following inaccuracies and violations are present in the reporting of the XXXX XXXX XXXX account ( Account # XXXX ) on my credit report : 1. Inaccurate Date of First Delinquency ( DOFD ) The Date of First Delinquency ( DOFD ) is either missing, incorrect, or unverifiable, constituting a violation of 15 U.S.C. 1681c. Under FCRA 1681c ( a ) ( 4 ), accounts with a DOFD must be accurately reported, and obsolete information ( beyond XXXX years from the DOFD ) can not appear on a consumers credit report. The estimated removal date of XX/XX/XXXX suggests a DOFD of approximately XX/XX/XXXX, yet the account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. This discrepancy indicates an inaccurate or unverifiable DOFD, rendering the reporting non-compliant with Metro 2 standards ( Field 35, Date of First Delinquency ) and FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. 
2. Lack of Permissible PurposeThe XXXX XXXX XXXXXXXX and the Bureau of Fiscal Service are not reported as furnishers of this debt, raising questions about the permissible purpose for reporting this information under 15 U.S.C. 1681b. Without a documented permissible purpose, such as a valid credit transaction or consumer-initiated request, the inclusion of this account on my credit report violates FCRA 1681b ( a ). I demand proof of permissible purpose, including any contract or agreement establishing my liability for this alleged debt. 
3. Inaccurate Account XXXX and XXXX account is reported as XXXX in XXXX a collection with a balance of {$0.00}, yet it remains a negative item scheduled for removal in XX/XX/XXXX. This status is misleading and violates Metro 2 guidelines, which require accurate reporting of account status ( Field 17, Account Status Code ). Per FCRA 1681s-2 ( b ), furnishers must correct or delete unverifiable information after a reasonable investigation. The contradictory reporting of a paid account as negative suggests a failure to comply with these standards. Additionally, the phone number ( XXXX ) XXXX and address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) listed for the creditor are invalid or unverifiable, further violating FCRA 1681e ( b ). 
4. Failure to Conduct a Reasonable InvestigationUnder 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 delete or correct unverifiable data. The continued presence of this account, despite its inaccuracies, suggests that the XXXX XXXXXXXX XXXX and/or the credit bureau failed to comply with this obligation. The use of the e-OSCAR system to communicate potentially false or misleading data may also constitute wire fraud under 18 U.S.C. 1343, as it involves the electronic transmission of inaccurate information affecting my creditworthiness. 
5. Inaccurate Personal InformationThe personal information listed, including my address ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and phone number ( ( XXXX ) XXXX ), may be outdated or incorrect. Under FCRA 1681i ( a ) ( 2 ), credit bureaus must ensure the accuracy of personal identifying information. I demand verification of this information and correction of any inaccuracies. 
6. Violation of Metro 2 ComplianceThe account fails to comply with Metro 2 standards, including : XXXX  XXXX XXXX ( Account Status ) : The status code is inaccurate, as a paid account should not be reported as negative without justification. 
* Field 25 ( Date Closed ) : The reported closure date ( XX/XX/XXXX ) conflicts with the negative reporting status. 
* Field 35 ( DOFD ) : The DOFD is either missing or inconsistent with the reported timeline. These violations undermine the accuracy required by FCRA 1681e ( b ) and Metro 2 guidelines. 
Legal Basis for Dispute and Demand for Relief The following laws and case law support my demand for immediate correction, deletion, and compensation : * FCRA 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The inaccuracies listed above demonstrate a failure to comply, as established in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that failure to correct inaccurate reporting violates FCRA. 
* FCRA 1681i ( a ) : Mandates a reasonable reinvestigation of disputed information within 30 days. Failure to delete unverifiable information is actionable, as seen in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
* FCRA 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct or delete unverifiable data. Non-compliance, as in XXXXXXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), entitles consumers to damages. 
* FDCPA 1692e : Prohibits false or misleading representations in debt collection. Reporting a paid account as negative may violate this section. 
* 18 U.S.C. 1343 ( Wire Fraud ) : The transmission of false data via e-OSCAR to credit bureaus may constitute wire fraud, as it affects my financial standing. 
* Metro 2 Standards : As outlined by the XXXX, furnishers must report accurate account roles, statuses, and dates. Non-compliance is a violation of industry standards and FCRA. 
Demands Based on the above violations, I demand the following within 30 days, as required by FCRA 1681i ( a ) ( 1 ) : 1. Permanent Deletion : Remove the XXXX  XXXX XXXX account ( Account # XXXX ) from my credit report due to its unverifiable and inaccurate nature. 
2. Verification of Information : Provide documented proof of the following : * The permissible purpose for reporting this account ( 15 U.S.C. 1681b ).

* The accurate DOFD and supporting documentation ( 15 U.S.C. 1681c ). 
* The validity of the creditors contact information and account status. 
3. Compensation for Damages : I have suffered financial and emotional harm due to these inaccuracies, including potential credit denials and reputational damage. Under FCRA 1681n and 1681o, I am entitled to actual, statutory, and punitive damages for willful and negligent non-compliance. 
4. Written Confirmation : Provide written confirmation of the deletion and a copy of my updated credit report. 
5. Cease and Desist : Cease reporting this account to any third parties until all inaccuracies are resolved.

Company response to consumer: Closed with explanation