Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN ( last XXXX ) : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Information Demand for Deletion Dear Equifax Dispute Department, I am writing to dispute several inaccurate, obsolete, and nonMetro 2compliant items on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( b ), the Fair Debt Collection Practices Act ( FDCPA 809 ), and applicable Metro 2 reporting standards, I request immediate reinvestigation and deletion of the following : XXXX. Personal Information Disputes Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Correct Legal Name : XXXX XXXX XXXX. 

Incorrect Addresses : 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 

Correct Current Address : XXXX XXXX XXXX, XXXX, TX XXXX. 

Employment : Remove all except Retired.

Equifax is required by FCRA 607 ( b ) to assure maximum possible accuracy. Retaining obsolete or inaccurate identifiers materially damages my consumer profile and links me to unverifiable derogatories. 

2. Medical Collections ( HIPAA + FCRA ) Accounts : XXXX ( {$1300.00} ), XXXX ( {$830.00} ), XXXX ( {$860.00} ), XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2100.00} ), # XXXX ( {$2200.00} ), XXXX XXXX ( XXXXXXXX XXXX XXXX  # XXXX ( {$1800.00} ). 

Dispute Basis : These accounts contain medical information disclosed without permissible purpose in violation of the HIPAA Privacy Rule ( 45 CFR 164.502 ( b ) ). 

Equifax can not report medical debts that do not meet FCRA compliance for accuracy, completeness, and permissible purpose. 

Metro 2 Field 25 DOFD is inconsistent across tradelines.

Remedy : Permanent deletion of all medical collections. 

XXXX. XXXX XXXX Charge-Offs Accounts : # XXXX ( Balance {$290.00} ) and # XXXX ( Balance {$1000.00} ). 

Dispute Basis : Reported as Closed/Charge-off yet still showing balances and past due amounts a Metro 2 violation ( Account Status can not simultaneously reflect charge-off and active balance ). 

Data reported inconsistently across CRAs. 

Remedy : Delete tradelines or update to Closed PaidXXXX XXXX No Charge-off. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Dispute Basis : Reporting Seriously past due/assigned to attorney but no court record or judgment exists. 

FDCPA 809 requires production of the original lease + itemized ledger. None has been provided.

Metro 2 errors present in Date of First Delinquency coding. 

Remedy : Delete tradeline in its entirety. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX Dispute Basis : Debt buyer tradeline coded as Open Account while simultaneously listed as collection noncompliant with Metro 2 field coding.

FDCPA 809 requires validation : contract, full payment history, assignment of debt. Absent. 

Remedy : Delete tradeline in its entirety. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$150.00} ) XXXX XXXX ( self-reported utility line ) Dispute Basis : Utility accounts are not traditional credit extensions and require signed contracts + full billing history. 

Furnishers have failed to validate under FCRA 623 ( b ).

Metro 2 coding shows inconsistencies in Account Status vs. Balance fields.

Remedy : Delete all utility/telecom collections.

Conclusion Equifax has 30 days under FCRA 611 ( a ) to reinvestigate and delete unverifiable or inaccurate information. Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Consumer Protection Division for enforcement action. 

I demand that you : Delete all inaccurate personal identifiers. 

Delete or correct all accounts listed above. 

Provide me with an updated credit report upon completion. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief