Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
( XXXX XXXX XXXX ). 
I am formally disputing inaccurate information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ).

I demand that this dispute be investigated in compliance with federal law.

Your history of failing to comply with dispute resolution laws is well-documented : Equifax ( XXXX ) Fined {$15.00} XXXX for ignoring consumer disputes and reinstating incorrect information. 
XXXX XXXX XXXXXXXX ) Sued for manipulating dispute outcomes and failing to correct errors. 
TransUnion ( XXXX ) Lost a {$60.00} XXXX jury verdict for false security watchlist labeling. 
I expect a written response sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA, XXXX Additionally, you are required to confirm receipt of this dispute within XXXX business days. 
THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). 
Failure to respond will lead to immediate legal escalation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 1 of 9 To whom it may concern : According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXansUnion TransUnion Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$15000.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED REPORTED BY GRANTOR Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : HR-8 2025-06-30 Dispute Status : XXXX XXXX High Balance : XXXX {$37000.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : -- Term Source Type : -- Months Reviewed : -- High Credit : XXXX Times XX/XX/XXXX30/60/90 Days Late : XXXX Original Creditor : -- Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : CollectionOrChargeOff I noticed that this account XXXX XXXX with the number XXXX is showing the wrong rating of CollectionOrChargeOff on my credit report, and I want it fixed now! You said this account was opened on XXXX and had a date of last activity of XXXX. That just cant be right. Please take this account off my report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 2 of 9 You also said you last verified this account on XXXX. According to the law, specifically 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to see how you verified it. Send me the info you used to check this. And another thingI need proof that I really owe {$15000.00} because I dont owe anything. 
Remember, according to XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), if you cant prove this info, it has to be taken off! 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Bring to your attention Account Type ( XXXX ) reporting Installment I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. 
That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
Lets examine Account # ( XXXX ) showing XXXX XXXX XXXX requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! 
Viewing High Balance ( XXXX ) demonstrating {$37000.00} is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. 
When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! 
Bring to your attention High Credit reporting XXXX What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! 
XXXX XXXX XXXX, - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$1200.00} Closed Date : XXXX -- Credit Limit : XXXX -- Creditor Remarks : XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER Creditor Type : - CollectionServices Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXXXXXX XXXX  High Balance : XXXX {$1200.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 3 of 9 Payment Status XXXX XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : -- Term Source Type : -- Months Reviewed : -- High XXXX XXXX XXXX XXXX XX/XX/XXXX Days Late : XXXX Original Creditor : XXXX XXXX XXXX XXXX Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : CollectionOrChargeOff I am disputing the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. This account is currently recorded as XXXX, with an opening date of XXXX, a last activity date of XXXX, and it was last verified on XXXX. These inaccuracies have severely hindered my ability to qualify for financing and secure favorable terms. 
Under 15 U.S.C. 1681n, I have the right to dispute any inaccuracies, and credit reporting agencies have a legal duty to investigate and correct such information. I request that you provide all the documentation you relied upon to verify this account, as well as evidence of the claimed {$1200.00}, which I do not acknowledge. 
The case of XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmed that credit reporting agencies must rectify inaccurate information. In addition, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) demonstrated that failure to verify information can result in legal action against the agency. 
Therefore, I demand that this account be removed from my credit report immediately. If not resolved within the required timeframe, I will take further legal action. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account Description expressing Individual We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! 
When I scrutinized Balance Owed ( XXXX ) presenting {$1200.00} XXXX challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. 
I was looking at Account # ( XXXX ) expressing XXXX It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. 
XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$680.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED - SUBSCRIBER DISAGREES Creditor Type : - Finance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Page 4 of 9 Date Opened : XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$680.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : -- Term Source Type : -- Months Reviewed : -- High Credit : XXXX Times 30/60/90 Days Late : XXXX Original Creditor : -- Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : CollectionOrChargeOff Im writing because the account XXXX XXXX XXXX with number XXXX on my credit report is showing as CollectionOrChargeOff, but thats not accurate. You listed the account as opened on XXXX, with a date of last activity of XXXX, and it was last verified on XXXX. This info isnt right. 
This mistake is holding me back from reaching my financial goals, like qualifying for a new credit card or getting a better interest rate. As outlined in 15 U.S.C. 1681s-2, I have the right to know the verification process. Please provide this along with proof of the {$680.00}, as I dont owe this amount. 
According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), unverifiable information must be removed. I appreciate your quick action in resolving this. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I want to bring to your attention Creditor Remarks ( XXXX ) reporting DISPUTE RESOLVED - SUBSCRIBER DISAGREES. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. 
Lets examine Account Description showing Individual. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of CDIA reporting requirements or remove my information from this account immediately! 
I want to bring to your attention Payment Status ( BS-17B ) reporting CollectionOrChargeOff. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? 
I was looking at Creditor Type ( - ) expressing Finance The data on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements I was looking at Date of Last Activity ( HR-8 ) expressing XXXX The information on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 5 of 9 XXXX - XXXX TransUnion TransUnion Account # XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$140.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX PROFIT AND LOSS WRITEOFF Creditor Type : - Advertising Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$170.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : -- Term Source Type : -- Months Reviewed : -- High Credit : XXXX Times 30/60/90 Days Late : XXXX Original Creditor : -- Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : CollectionOrChargeOff I noticed the account XXXX XXXX XXXX ) on my credit report is wrong. It shows CollectionOrChargeOff with dates XXXX and XXXX. This mistake is hurting my chances of getting loans. 
According to XXXX XXXX XXXX XXXX XXXX XXXXo be fixed. In XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), its clear this must be corrected. 
Please delete this account and show proof of the {$140.00}. 
Also, see the image above for XXXX XXXX XXXX  ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing High Credit demonstrating XXXX The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. 
I was looking at Highest Adverse Rating expressing CollectionOrChargeOff. The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you. 
Viewing Credit Limit ( XXXX ) demonstrating XXXX. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 6 of 9 Lets take a look at Account Type ( XXXX ) reporting Revolving. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report Upon inspecting Payment Status ( XXXX ) exhibiting CollectionOrChargeOff. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX CLOSED Creditor Type : - Advertising Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : HR-8 2024-05-01 Dispute Status : XXXX XXXX High Balance : XXXX {$1000.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX XXXX Term Length : XXXX -- Loan Type : -- Term Source Type : -- Months Reviewed : -- High Credit : XXXX Times XX/XX/XXXX Days Late : XXXX Original Creditor : -- Highest Adverse Rating : Late60Days Most Recent Adverse Rating : Late60Days The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately, as it is deficient. 
Also, see the image above for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets take a look at Account Description reporting Individual. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements. 
Upon inspecting Creditor Type ( - ) exhibiting Advertising. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 7 of 9 I want to bring to your attention Credit Limit ( XXXX ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well XXXX XXXX -- it needs certified compliant. 
Faithfully XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge.

Company response to consumer: Closed with non-monetary relief