Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection/Charge-Off Account Reporting Immediate Deletion RequestedRE : XXXX XXXX  Account # XXXX ISSUE : I am formally disputing the inaccurate and inconsistent reporting of the above-referenced collection/charge-off account across your credit reporting platform. The account reflects false data regarding payment history, current balance, past-due status, and charge-off classification, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Reporting Standards. These errors severely harm my creditworthiness and violate multiple sections of federal consumer protection laws.

VIOLATIONS & LEGAL BASIS FOR DISPUTE : 1. FCRA 1681s-2 ( b ) : Data furnishers are required to conduct a reasonable investigation when a dispute is filed. Inconsistent reporting across TransUnion, Equifax, and Experian ( e.g., balance owed, last activity date, and payment history ) raises red flags and proves no such investigation has been performed.

2. FCRA 1681e ( b ) : Mandates that only accurate, verifiable, and up-to-date information may be reported. The data on this account is outdated and contains factual errors such as reporting a balance on a closed account and inconsistent payment history ( e.g., missing history with TransUnion and conflicting remarks across bureaus ).

3. Metro 2 Guidelines ( Compliance Condition Code " XB '', " XC '', " XH '' ) : * Status Code : Improper reporting of CO ( Charge-Off ) after the closed date without uniformity.

* Payment History : Inaccurate aging of delinquencies violates Metro 2 Field 17 Consumer Information Indicator.

* Creditor Remarks : Inconsistent across bureaus ( Charged off as bad debt vs. Customer disputed account ) triggers e-OSCAR dispute logic flagging for re-investigation and deletion.

4. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : Inconsistent reporting and continued negative impact despite resolution or aging of the debt constitutes deceptive reporting practices.

5. TILA ( Truth in Lending Act ) : Failure to provide correct information about the actual debt balance and interest applied violates proper creditor disclosure obligations.

HOW THIS IS HARMING ME : This account is currently suppressing my credit score due to false charge-off status, past due amount ( {$700.00} ), and delinquent remarks, despite the account being closed and inactive. The inaccurate balance and derogatory status falsely suggest ongoing default, which misrepresents my financial responsibility to lenders. This is affecting my ability to secure housing, employment, and fair interest credit offers, all in violation of my rights under federal law.

DEMAND FOR ACTION : Pursuant to the FCRA, you are legally required to conduct a full reinvestigation within 30 days. I am requesting : 1. Immediate deletion of this derogatory account from your report due to failure to comply with Metro 2 formatting, FCRA accuracy requirements, and inconsistent reporting.

2. Full results of the reinvestigation, including the method of verification and name/contact of the furnisher.

3. Update of all tradeline fields using proper Metro 2 codes to reflect either verified, uniform data or full deletion.

Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and potentially a civil action for willful noncompliance under FCRA 616 and 617.

E-Oscar Compliance Codes : * Compliance Condition Code : XB * Consumer Information Indicator : E ( Disputed meets FCRA ) * Account Status : 13 ( Closed, XXXX balance if charged-off and paid ) * Payment Rating : D ( For deleted/disputed ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation