Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * TransUnion * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) * * * * Subject : * * Formal Dispute of Inaccurate Credit Reporting, Demand for Correction/Deletion, and Validation Under FCRA 611 ( a ), Metro 2 , and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute inaccuracies on my XXXX and TransUnion credit reports in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. Despite 25+ prior disputes ( including CFPB complaints ), these errors persist, causing unjustified score deductions ( XXXX points ) and financial harm. Below are the inaccuracies requiring immediate resolution : # # # * * Account Disputes * * 1. * * XXXX XXXX ( Acct : XXXX ) * * - * * Error : * * Falsely marked as XXXX missed payments and Currently Late. 
- * * Fact : * * Account closed, paid as agreed, no late payments. 
- * * Demand : * * Update to Paid as Agreed or delete permanently. 

2. * * XXXX XXXX XXXX ( Acct : XXXXXXXX ) * * - * * Error : * * Incorrectly listed as XXXX missed payments and Currently Late. 
- * * Fact : * * Payments current ; account closed. 
- * * Demand : * * Remove all late notations or delete. 

3. * * XXXX XXXX ( Acct : XXXX ) * * - * * XXXX  : * * XXXX late payments ( misreported ). 
- * * TransUnion : * * XXXX late payments ( misreported ). 
- * * Fact : * * On-time payments per XXXX ( XXXX lates ). 
- * * Demand : * * Align reporting to XXXX lates across all bureaus. 

XXXX. * * XXXX XXXX XXXX XXXX Acct : XXXX ) * * - * * XXXX : XXXX * Duplicate accounts ( XXXX lates and XXXX late ). 
- * * TransUnion : * * Duplicate accounts ( XXXX lates each ). 
- * * Fact : * * No late payments. 
- * * Demand : * * Merge/delete duplicates ; correct to XXXX lates. 

# # # * * Legal Basis * * - * * FCRA 611 ( a ) : * * Requires investigation of disputes within XXXX days. 
- * * Metro 2 Compliance : * * Late payments must reflect * actual * delinquency, not unverified claims. 
- * * XXXX Failures : * * Systemic mishandling of disputes violates accuracy obligations. 

# # # * * Demands * * 1. * * Immediate Correction : * * Update all accounts to Paid as Agreed, XXXX lates, and remove duplicates. 
2. * * Validation Proof : * * Provide documented proof of how prior disputes were verified under FCRA 623 ( a ) ( 8 ).

3. * * Deletion : * * If validation fails, delete all disputed accounts permanently.

4. * * Score Reassessment : * * Recalculate my credit scores to reflect XXXX  % payment history.

# # # * * Deadline * * Failure to resolve within * * XXXX  days * * will compel me to pursue legal remedies under FCRA 616 ( willful noncompliance ) and state law for damages, including : - Actual damages ( XXXX credit score loss ). 
- Statutory penalties ( {$1000.00} {$3500.00} per violation ). 
- Attorney fees. 

Sincerely, * * XXXX XXXX * * XXXX : XXXX | XXXX : XXXX Phone : [ ( XXXX ) XXXX ] * * CC : * * Consumer Financial Protection Bureau XXXX CFPB ) | State Attorney General Send proof of validation letters via certified mail ( return receipt requested ) to all bureaus and the CFPB. I would like to retain copies for legal purposes.

Company response to consumer: Closed with non-monetary relief