Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Re : Credit File Confirmation # XXXX Subject : Formal Dispute and Demand for Immediate Correction NOTICE TO CREDIT REPORTING AGENCY This letter is a formal dispute under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). Equifax is legally required to conduct a reasonable reinvestigation of the disputed items below within 30 days of receipt, per 15 U.S.C. 1681i ( a ) ( 1 ), and ensure compliance with Metro 2 standards as outlined in the Credit Reporting Resource Guide ( CRRG ). 


DISPUTED ACCOUNTS AND VIOLATIONS 1. XXXX XXXX XXXX  - Account # XXXX FCRA Violations - 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy A. Data Integrity Issues : Inconsistent Status : Simultaneous Charge Off and Account Closed By Credit Grantor statuses are logically impossible, violating CRRG Metro 2 standards for accurate account status reporting. 
Invalid Payment Dates : Payments reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a closed account violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and CRRG payment history guidelines.

Credit Limit Errors : High credit amounts ( {$200.00}, {$100.00}, {$100.00} ) exceed the {$100.00} credit limit, which is mathematically impossible for revolving credit and violates CRRG accuracy requirements. B
. Metro 2 (

CRRG ) Compliance Failures : Field 17 ( Account Status ) : Conflicting codes violate CRRG standards for consistent status reporting.

Field 18 ( Payment History ) : Corrupted data ( {$170.00} {$10.00}, {$62.00} {$10.00}, {$24.00} {$160.00} ) breaches CRRG payment history accuracy rules.

Field 10/11 ( Credit Limit/High Credit ) : Discrepancies indicate failure to validate data per CRRG guidelines.

C. FCRA Furnisher Violations : Furnishing known inaccurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Failure to complete reinvestigation within 30 days, with notation Consumer Disputes - Reinvestigation in Process ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ).

Failure to correct inaccuracies post-dispute ( 15 U.S.C. 1681s-2 ( b ) ( 2 ) ).

Demand : Permanently remove this account due to material inaccuracies, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and CRRG standards. 

2. XXXX XXXX, XXXX - Account # XXXX FCRA Violations- Unverifiable and Inaccurate Reporting A. Account Lifecycle Errors : Simultaneous Paid and Closed status with Date of Last Activity and Date Closed ( XX/XX/XXXX ) indicates data processing errors, violating CRRG lifecycle reporting standards. 
XXXX balance with immediate closure suggests systematic Metro 2 reporting deficiencies.

B. Verification Failures : Account pattern is inconsistent with CRRG standards for credit lifecycles and lacks verifiable documentation. Demand : Permanently remove this account due to unverifiable reporting, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and CRRG standards. LEGAL AUTHORITIES FCRA Violations : 15 U.S.C. 1681e ( b ) : Requires reasonable procedures to ensure maximum accuracy in consumer reports.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates deletion of unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing known inaccurate information.

Relevant Case Law : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Confirms harm from inaccurate credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Establishes furnisher liability for systematic inaccuracies. 

DEMANDS UNDER FCRA AND CRRG 1. Immediate Reinvestigation : Conduct a reasonable reinvestigation within 30 days, contact furnishers, and provide written results ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

2. Deletion of Unverifiable Items : Remove information that can not be verified, contains logical errors, or violates
Metro 2 ( CRRG ) standards (

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 3. Updated Credit Report : Provide an updated report reflecting corrections, a summary of reinvestigation results, and furnisher identities ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

METHOD OF VERIFICATION DEMAND Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I demand disclosure of : Identities of furnisher representatives contacted. 
Information provided to furnishers during verification. 
Documentation relied upon for verification. 
Complete verification timeline and methodology. 

NOTICE OF POTENTIAL LEGAL ACTION Failure to comply may result in : Actual and statutory damages up to {$1000.00} per violation ( 15 U.S.C. 1681o, 1681n ).

Attorneys fees and costs ( 15 U.S.C. 1681o ( a ) ( 3 ) ).

Punitive damages for willful non-compliance ( 15 U.S.C. 1681n ( a ) ( 2 ) ).

This notice documents Equifaxs obligations under FCRA and CRRG standards.

COMPLIANCE DEADLINE Within 30 days of receipt, Equifax must : 1. Complete reinvestigation of all disputed items.

2. Delete inaccurate or unverifiable information.

3. Provide an updated credit report and reinvestigation results.

Non-compliance will be considered willful, subjecting Equifax to maximum statutory penalties.

PRESERVATION OF RIGHTS This dispute is filed under my FCRA rights and does not waive any legal remedies. All rights are reserved.

Written Response Required Within 30 Days Sincerely, XXXX XXXX XXXX Enclosures : Copy of Credit Report Copy of Drivers License Supporting Documentation ( e.g., account statements, payment records )

Company response to consumer: Closed with non-monetary relief