Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX Consumer : XXXX : [ XXXX ] Complaint ID : XXXX - XXXX To Whom It May Concern, I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to address multiple inaccuracies in the reporting of Account # XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) on my XXXX and Equifax credit reports. These inaccuracies violate Metro 2 guidelines, FCRA, and FDCPA regulations, and I demand their immediate correction, permanent deletion of the tradeline, and compensation for damages caused by these violations. This dispute is submitted through the e-OSCAR system in ACDV format, and I expect a thorough investigation as required by 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ). 
ACDV Dispute Details Consumer Identification : * Name : XXXX * Address : [ Your Address ] * SSN : [ Your SSN, if applicable ] * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Bureau ( s ) : XXXX, Equifax Dispute Codes ( Metro 2 Compliance ) : * XXXX : Incorrect account status * XXXX : Incorrect balance * XXXX : Incorrect date of first delinquency ( DOFD ) * XXXX : Incorrect payment history * XXXX : Incorrect high credit amount * XXXX : Incorrect date last active/last payment * XXXX : Unverified information reported Disputed Items and Inaccuracies : 1. Incorrect Account Status ( Violation of 15 U.S.C. 1681e ( b ) and Metro 2 ) : The account is reported as Collection/Chargeoff with a status of Derogatory. This is inaccurate. The account was charged off on XX/XX/XXXX, but XXXX XXXX response ( dated XX/XX/XXXX ) fails to provide verifiable evidence of the charge-offs validity. Metro 2 guidelines ( CDIA Credit Reporting Resource Guide ) require accurate reporting of account status codes. The Collection/Chargeoff status is misleading because XXXX XXXX has not provided documentation verifying the debts legitimacy or the charge-off process, violating 15 U.S.C. 1681e ( b ), which mandates reasonable procedures to ensure maximum accuracy.

2. Incorrect Balance and Past Due Amount ( Violation of 15 U.S.C. 1681e ( b ) ) : The reported balance of {$3600.00} and past due amount of {$3600.00} are inconsistent with XXXX XXXX own response, which claims a balance of {$4000.00} plus {$360.00} in late fees, totaling {$4400.00}. This discrepancy violates Metro 2s requirement for accurate balance reporting and FCRA 1681e ( b ). Additionally, the reported balance does not reflect any payments made after XX/XX/XXXX, which I can substantiate with documentation upon request. 
3. Incorrect Date of First Delinquency ( DOFD ) ( Violation of 15 U.S.C. 1681c ) : The DOFD is inconsistently reported. XXXX lists it as XX/XX/XXXX, while XXXX XXXX response does not clarify or verify the DOFD. Under 15 U.S.C. 1681c, an accurate DOFD is critical for determining the obsolescence period for derogatory accounts. An incorrect DOFD misleads potential creditors and violates FCRAs accuracy requirements.

4. Incorrect Payment History ( Violation of Metro 2 and 15 U.S.C. 1681e ( b ) ) : The two-year payment history provided contains errors, including misreported delinquency statuses ( e.g., J and D codes ). Metro 2 requires accurate payment history codes ( e.g., 0 for current, 30 for 30 days late, etc. ). The reported history does not align with my payment records, which show timely payments not reflected in the report. This inaccuracy distorts my creditworthiness and violates FCRA 1681e ( b ).

5. Incorrect High Credit Amount ( Violation of Metro 2 ) : XXXX reports a high credit of {$2900.00}, while Equifax reports {$4000.00}. XXXX XXXX response does not clarify the original loan amount or justify these discrepancies. Metro 2 requires consistent reporting of high credit amounts across bureaus. These inconsistencies violate FCRA 1681e ( b ).

6. Incorrect Date Last Active and Date of Last Payment ( Violation of Metro 2 ) : The Date Last Active ( XX/XX/XXXX ) and Date of Last Payment ( XX/XX/XXXX, or XX/XX/XXXX, per Equifax ) are inconsistent and unverified. Metro 2 requires accurate reporting of these dates to reflect account activity. XXXX XXXX failure to update the account since XX/XX/XXXX, despite my disputes, violates 15 U.S.C. 1681s-2 ( b ).

7. Unverified Information ( Violation of 15 U.S.C. 1681s-2 ( b ) ) : XXXX XXXX response ( dated XX/XX/XXXX ) claims the account is accurately reported but provides no verifiable documentation ( e.g., loan agreement, payment receipts, or charge-off records ). Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and delete unverified information. XXXX XXXX failure to substantiate the reported data warrants deletion of the tradeline. 
8. Misleading Electronic Reporting ( Potential Wire Fraud under 18 U.S.C. 1343 ) : By uploading false or unverified data to my credit file via the e-OSCAR system, XXXX XXXX has communicated misleading information electronically. This conduct m

ay constitute wire fraud under 18 U.S.C. 1343, as it involves knowingly transmitting false data to harm my creditworthiness.

Legal Violations and Supporting Case Law 1. FCRA Violations : * 15 U.S.C. 1681e ( b ) : XXXX XXXX and the credit bureaus failed to follow reasonable procedures to ensure maximum accuracy. See Cortez v. XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) ( holding that failure to ensure accuracy in credit reporting violates FCRA ). 
* 15 U.S.C. 1681i ( a ) : The bureaus and XXXX XXXX failed to conduct a reasonable investigation of my dispute. See Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) ( furnishers must investigate and correct or delete inaccurate information ). 
* 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX failed to review all relevant information provided in my dispute and delete unverified data. See Johnson v. MBNA Am. Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) ( furnishers must conduct meaningful investigations ).

* 15 U.S.C. 1681c : Incorrect DOFD reporting violates the FCRAs obsolescence rules. See Seamans v. Temple Univ., 744 F.3d 853 ( 3d Cir. 2014 ) ( inaccurate DOFD impacts credit report validity ). 
2. FDCPA Violations : Although XXXX XXXX claims to be the original creditor, their reporting practices may still fall under FDCPA if they act as a debt collector post-charge-off. Misrepresenting the debts status or balance violates 15 U.S.C. 1692e ( false or misleading representations ). See McLaughlin v. Phelan Hallinan & Schmieg, LLP, 756 F.3d 240 ( 3d Cir. 2014 ).

3. Metro 2 Non-Compliance : The Credit Data Industry Association ( CDIA ) Metro 2 guidelines require accurate reporting of account status, balance, DOFD, and payment history. XXXX XXXX inconsistent and unverified reporting violates these standards, which are incorporated into FCRA compliance. See Drew v. Equifax Info. Servs., LLC , 2010 WL 5022463 ( N.D. Cal. 2010 ).

Relief Requested 1. Permanent Deletion of Tradeline : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), delete the entire tradeline for Account # XXXXXXXX XXXX XXXX XXXX XXXX  from my XXXX and Equifax credit files due to unverifiable and inaccurate information. Failure to delete constitutes a willful violation under 15 U.S.C. 1681n.

2. Compensation for Damages : I have suffered financial and emotional harm due to XXXX XXXX inaccurate reporting, including diminished creditworthiness and potential loss of credit opportunities. I demand {$5000.00} in actual damages and {$5000.00} in statutory damages under 15 U.S.C. 1681n and 1681o for willful and negligent violations. See Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47 ( 2007 ) ( willful FCRA violations include reckless disregard ). 
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. Correct Reporting Practices : XXXX XXXX must update its reporting to comply with Metro 2 and FCRA 1681e ( b ), including accurate account status, balance, DOFD, and payment history.

4. Cease Misleading Communications : Cease uploading false or unverified data via e-OSCAR, as this may constitute wire fraud under 18 U.S.C. 1343.

Notice of Rights Without prejudice to my rights under UCC 1-308, I reserve all rights to pursue further legal action if this dispute is not resolved within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ). Failure to comply may result in additional claims for punitive damages and attorneys fees.

Company response to consumer: Closed with non-monetary relief