Consumer complaint received 2025-09-03 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:
I am writing to demand the permanent deletion of inaccurate, incomplete, and unlawfully reported items from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ), the Consumer Data Industry Association Metro 2 compliance guidelines, and my consumer rights. I have previously disputed these matters, yet you continue to recycle false, unverifiable, and contradictory data. This constitutes willful noncompliance under FCRA 616617. 

Personal Information to Delete/Correct The following personal information is inaccurate and must be deleted or corrected : Addresses ( listed as previous and/or current ) : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : The phone number on filXXXX ( listed simply as Number ) is incorrect and must be removed/updated. 

Hard Inquiries to Delete The following hard inquiries are inaccurate and unauthorized. Delete them immediately : 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 XXXXXX/XX/XXXX I am seeking legal remedies for the unauthorized inquiries and demand immediate deletion. 

Account-Level Corrections/Deletions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that all late-payment remarks tied to this open Dept. of Education/Nelnet account be permanently deleted. Your current reporting is reckless, deceptive, and violates FCRA 1681i, 1681s-2 ( b ), and Metro 2 standards. You are coding this account as Pays As Agreed/ In Good Standing while simultaneously publishing XXXX  Days Late ( XXXX  Times ). That is impossible. An account can not be reported as both positive and negative at the same time. This double-status reporting is not merely inaccurateit is willful noncompliance. By continuing to recycle false derogatory data while labeling the account as current, you are misleading future creditors and damaging my creditworthiness. Metro 2 guidelines prohibit contradictory coding. Because this account is open and active, the only accurate status is XXXX Pays As Agreed. 
You have failed to correct this after prior disputes. I therefore demand permanent deletion of all derogatory late notations. Anything less shows reckless disregard of my rights. If you do not comply, I will hold you liable under FCRA 616617 for knowingly and willfully reporting false information. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the permanent deletion of this collection account. It is being reported in violation of FCRA 1681i, 1681s-2 ( b ), and Metro 2 standards. You are willfully reporting inaccurate, incomplete, and misleading information by listing the account as Open while also labeling it Placed for Collection/Charge-Off. This is contradictory and violates the requirement of maximum possible accuracy. The original creditor is not listed, the account type is misclassified as Installment, and verifiable details necessary for a proper investigation are missing, rendering the account unverifiable under the FCRA. Metro 2 expressly prohibits double-status reporting and requires accurate coding. Reporting no monthly payment, no original creditor, and conflicting statuses is a direct violation. 
Because you can not provide verifiable proof that this debt is accurate, valid, and legally collectible, the only proper correction is full deletion of the account from my credit file. I will not accept another recycled response or partial update.

Company response to consumer: Closed with non-monetary relief