Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing the accuracy, legal standing, and reporting legitimacy of multiple derogatory accounts currently listed on my credit file. This letter is a formal notice requesting immediate reinvestigation and full deletion of the accounts listed below, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 guidelines published by the CDIA, and my rights as a documented victim of the Equifax Data Breach and the XXXX XXXX XXXX XXXX 

The accounts in question are being disputed due to willful disregard of federal law, lack of original documentation, and reporting violations including : FCRA 609 ( a ) ( 1 ) ( A ) : No validation or original signed agreement FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) : Reporting inaccurate, outdated, or unverifiable information FCRA 1681n : Civil liability for intentional non-compliance Metro 2 XXXX  violations : Inconsistent, duplicate, or misclassified data designed to suppress scores I am demanding permanent deletionnot correctionof the following : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX This account appears under different statuses ( open/closed ) with conflicting payment histories. These inconsistencies violate Metro 2 requirements for uniformity and FCRA 1681e ( b ) 's accuracy mandate. I demand immediate and full deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account reports a closed status with a past-due balance and an aged 30-day late mark, despite no activity since 2021. The account violates Metro 2 and FCRA requirements. Delete this obsolete and unverifiable entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection lacks full payment history, supporting documentation, and shows conflicting data across bureaus. This is outdated, unverifiable, and damaging. Remove this item permanently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting as an open collection since XXXX  with no recent activity or proof of debt. This is considered stale and misclassified data under FCRA and Metro 2. It must be deleted. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charged-off account has no complete reporting, no original contract, and continues to appear post-transfer, which causes duplication and violates Metro 2 . Delete this immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple conflicting entries across bureaus, no complete payment history, and no legal documentation have been provided. The data is unverifiable and must be permanently deleted. 

XXXX XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX This debt is being re-aged and reported under various statuses, with no validation or consistent updates. This is inaccurate, misleading, and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A single 30-day late remains on a current account, without proper validation or documentation. Per Metro 2, this past due remark must be deleted if unverifiable. Update to reflect a clean payment history.

You are legally required to verify each account or delete it under FCRA 611 ( a ) ( 5 ). You have 30 days from receipt of this letter to respond in writing with the results of your reinvestigation. 

If no action is taken, I will immediately escalate this to the CFPB, FTC, and the State Attorney General, and pursue legal remedies for willful non-compliance under 1681n.

Company response to consumer: Closed with non-monetary relief