Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
Re : Formal Dispute & Demand for Deletion XXXX  Auto Loan To Whom It May Concern, I am disputing the reporting of the above-referenced XXXXXXXX XXXX XXXX XXXX XXXXXXXX under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), the Uniform Commercial Code ( UCC ) governing repossessions, and Metro 2 reporting standards required by the XXXX XXXX XXXX XXXX ( XXXX ). 

This tradeline is inaccurate, misleading, and unverifiable for the following reasons : 1. Contradictory Dates ( FCRA 623 ( a ) ( 1 ) ( A ) ) Report shows Closed XX/XX/XXXX but also Last Payment XX/XX/XXXXXXXX 
A closed account can not show payments nearly 2 years later. 
This inconsistency renders the tradeline factually inaccurate and unverifiable. 

XXXX. Improper Re-Aging ( FCRA 605 ( c ) ) Report lists Date Reported XX/XX/XXXX, which artificially extends reporting beyond 7 years from Date of First Delinquency ( DOFD ). 
This constitutes illegal re-aging, a direct FCRA violation. 

XXXX. Status Conflicts ( Metro 2 Guidelines XXXX ) Account is reported as Closed and Collection/Charge-off with balance due simultaneously. 
Metro 2 requires consistency between Account Status, Date Closed, and Balance fields. This tradeline is in violation.

4. Balance Accuracy & Repossession Deficiency ( UCC 9-610, 9-615 ) Vehicle was repossessed. Under UCC rules, any alleged deficiency balance must be accurately calculated after sale and proper notice of disposition must be provided.

I was not provided full repossession documentation, notice of sale, or itemized accounting of balance. 
Without proof of lawful disposition, XXXX has no legal right to report or collect any deficiency. 

XXXX. Failure of Validation ( FDCPA XXXX ( b ) ) XXXX  ( or any assignee ) must validate this debt upon request. Validation requires : XXXX. Original retail installment contract XXXX. Proof of lawful repossession & sale XXXX. Full payment history & deficiency calculation XXXX. Proof of legal ownership/assignment If validation can not be provided, reporting must cease. 
XXXX. Incomplete/Misleading Reporting ( FCRA 607 ( b ) ) The tradeline omits the Date of First Delinquency ( DOFD ), which is required for accurate reporting. 
Metro 2 requires the DOFD field to be properly reported to determine XXXX reporting limit. 

XXXX. Consumer Harm ( Case Law Support ) XXXX XXXX TransUnion ( XXXX XXXX. XXXX ) : CRAs must conduct independent investigations, not simply parrot furnishers. 
XXXX v. Equifax ( XXXXXXXX XXXX XXXXXXXX ) : Misleading reporting is just as unlawful as inaccurate reporting. 
XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) : Furnishers must produce more than a balance summary full documentation is required. 
DEMAND FOR DELETION Because of these multiple violations of FCRA, FDCPA, UCC, and Metro 2, this tradeline is legally unreportable.

I demand immediate deletion of this account from Experian, Equifax, and TransUnion. 

Failure to correct this account within 30 days will result in : Formal complaints to the CFPB, FTC, and Texas Attorney Generals Office Consideration of legal claims under FCRA 616, 617 and FDCPA 813 for statutory and actual damages.

Enclosures : Copy of credit report highlighting errors Government-issued ID & proof of address Please provide written confirmation once this account has been deleted from my file.

Company response to consumer: Closed with explanation