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 Re : Dispute of Inaccurate Credit Reporting Account # XXXX Creditor : XXXX XXXX XXXXXXXX XXXXDemand for Permanent Deletion and Compensation for Violations of FCRA, FDCPA, and Metro 2 Compliance Dear Sir or Madam, I am writing to formally dispute the inaccurate and unverifiable information reported by XXXX XXXX XXXX ( hereinafter XXXX ) regarding account # XXXX, listed as a collection account with an original creditor identified as XXXX XXXX XXXX XXXX  This account appears on my credit reports maintained by XXXX XXXX Equifax XXXX and XXXX  ( collectively, CRAs ). I demand the immediate and permanent deletion of this account from all my credit files due to multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Metro 2 reporting standards, and other applicable federal laws. Additionally, I seek compensation for the damages caused by XXXX inaccurate and unlawful reporting practices. 
Under 15 U.S.C. 1681i ( a ), CRAs are required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. 1681s-2 ( b ), furnishers like XXXX must conduct a thorough investigation, review all dispute information, and correct or delete unverifiable or inaccurate data. I assert that XXXX has failed to comply with these obligations, as evidenced by the inaccuracies detailed below. Furthermore, XXXX use of the e-OSCAR system to upload false or misleading data constitutes a violation of FCRA and potentially wire fraud under 18 U.S.C. 1343.

I. Inaccuracies and Violations in Credit Reporting The following inaccuracies and violations are present in the reporting of account # XXXX : XXXX. Incorrect Role Reporting Under XXXX XXXX and FCRA XXXX ( b ) * XXXX is reporting this account as a Debt Buyer with a Collection status, yet the original creditor is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines ( Consumer Data Industry Association [ CDIA ] Credit Reporting Resource Guide [ CRRG ] ), the furnisher must accurately report their role ( e.g., debt buyer, collection agency, or original creditor ). XXXX failure to clarify its role as a debt buyer or assignee violates Metro 2s Base Segment Field 10 ( Account Type ) and Field 11 ( Portfolio Type ). 
* FCRA 1681e ( b ) requires furnishers and CRAs to maintain maximum possible accuracy. Misrepresenting the accounts ownership or role is a direct violation. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( CRAs liable for failing to ensure accuracy ). 
2. Incorrect Date of First Delinquency ( DOFD ) * The credit report does not specify the Date of First Delinquency ( DOFD ), which is a mandatory field under Metro 2 ( Field 25 ) and FCRA 1681c ( c ) ( 1 ). Without an accurate DOFD, the accounts reporting period can not be verified, rendering it non-compliant with 15 U.S.C. 1681c. 
* Case law supports deletion for DOFD violations. See XXXX v. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inaccurate reporting of delinquency dates violates FCRA ). 
3. Inaccurate Balance and Payment History * The reported balance of {$7700.00} as of XX/XX/XXXX, conflicts with the original balance of {$7000.00}. Metro 2 requires accurate reporting of the Current Balance ( Field 17 ) and Amount Past Due ( Field 19 ). The discrepancy suggests either a failure to update or intentional inflation of the balance, violating FCRA 1681s-2 ( b ). 
* The 24-month payment history is incomplete, with Data Unavailable for multiple months ( e.g., January 2024July 2024 ). Metro 2 mandates complete and accurate payment history reporting ( Segment PH ). Incomplete data misleads creditors and violates FCRA 1681e ( b ). See XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( incomplete reporting actionable under FCRA ). 
XXXX. Misleading Status Codes * The account is reported as Collection with a status updated in XX/XX/XXXX, yet it claims a Last Payment Date of XX/XX/XXXX, and a Balance Updated date of XX/XX/XXXX. These conflicting dates violate Metro 2s Account Status Code ( Field 17A ) requirements, which mandate consistent and accurate status updates.

* Reporting a future date ( XX/XX/XXXX ) for a balance update is deceptive and violates FDCPA 1692e ( prohibiting false or misleading representations ). See XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( false reporting violates FDCPA ). 
5. Failure to Mark Account as Disputed * Despite my prior dispute, the account is not consistently marked as Consumer disputes this account information across all CRAs. Metro 2 requires the use of Compliance Condition Code XB ( Field 22 ) to indicate a disputed account. Failure to update this code violates FCRA 1681s-2 ( b ) ( 1 ) ( E ).

* Case law confirms liability for failing to note disputes. See XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( furnisher liable for not reporting dispute status ). 
XXXX. Unverified and Unsubstantiated Data * XXXX has failed to provide documentation verifying the debts ownership, chain of assignment, or original contract with XXXX XXXX XXXX XXXX Under FCRA 1681s-2 ( b ) ( 1 ) ( D ), furnishers must verify disputed information or delete it within 30 days. XXXX reliance on e-OSCAR to transmit unverified data violates this provision. 
* Transmitting false or unverified data via e-OSCAR may constitute wire fraud under 18 U.S.C. 1343, as it involves interstate electronic communication with intent to deceive. See United States XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( wire fraud includes schemes to deprive of accurate information ). 
XXXX. Legal Violations and Supporting Statutes XXXX actions violate multiple provisions of federal law, including : * FCRA Violations : * 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

* 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

* 15 U.S.C. 1681s-2 ( b ) : Failure to investigate, verify, or delete inaccurate data.

* 15 U.S.C. 1681c ( c ) : Failure to report accurate DOFD.

* FDCPA Violations : * 15 U.S.C. 1692e : Using false or misleading representations in debt collection.

* 15 U.S.C. 1692f : Engaging in unfair practices by reporting unverified debts. 
* Metro 2 Non-Compliance : * Failure to adhere to CDIAs CRRG for accurate role, balance, payment history, and dispute status reporting.

* Potential Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting false data via e-OSCAR with intent to harm my creditworthiness.

III. Demands for Relief Based on the above violations, I demand the following : 1. Permanent Deletion of the Account : * XXXX and the CRAs must immediately delete account # XXXX from all my credit files, pursuant to FCRA 1681i ( a ) ( XXXX ) ( requiring deletion of unverifiable information ). 
* Failure to delete constitutes willful non-compliance, subjecting XXXX and the CRAs to liability under FCRA 1681n ( actual damages, statutory damages of {$1000.00} per violation, punitive damages, and attorneys fees ). 
XXXX. Compensation for Damages : * XXXX XXXXaccurate reporting has caused me financial harm, including [ describe specific harms, e.g., denied credit, higher interest rates, emotional distress ]. I demand compensation of {$10000.00} for actual and statutory damages under FCRA 1681n and FDCPA 1692k. 
* Case law supports damages for FCRA violations. See XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( awarding damages for emotional distress and credit denials ). 
XXXX. Cease and Desist Communications : * Under FDCPA 1692c ( c ), I demand that XXXX cease all communications regarding this alleged debt, except as required by law. 
XXXX. Validation of Debt : * If XXXX intends to continue reporting this account, it must provide full validation under FDCPA 1692g ( b ), including the original contract, chain of assignment, and proof of XXXX XXXX XXXXXXXX XXXXs claim. 
IV. Reservation of Rights I reserve all rights under XXXX XXXX, ensuring that my dispute is made without prejudice and does not waive any legal claims. I intend to pursue all available remedies, including litigation, if XXXX or the CRAs fail to comply within 30 days, as required by FCRA XXXX ( a ) ( XXXX ). 
V. Instructions for CRAs To XXXX, Equifax, and XXXX XXXX * Conduct a reasonable reinvestigation under FCRA 1681i ( a ). 
* Delete the account if XXXX can not verify its accuracy. 
* Provide a written response within 30 days, including an updated credit report showing the deletion. 
VI. Instructions for XXXX XXXX XXXX XXXX XXXX : * Conduct a thorough investigation under FCRA 1681s-2 ( b ).

* Delete the account or provide verifiable documentation within 30 days. 
* Respond in writing to confirm compliance and provide details of any compensation offered.

Company response to consumer: Closed with non-monetary relief