Consumer complaint received 2025-06-04 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: MI

Complaint narrative:
I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I am requesting evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account within my report. 

May I request that you address this matter as soon as possible? If not rectified within 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. 

This account contains multiple errorsconflicting late payment history, past due status, last payment date, and account details. Under 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), reporting false or unverifiable information is illegal. Billing errors violate TILA ( 15 U.S.C. 1666 ), which requires correction or deletion. DELETE THIS IMMEDIATELY or prepare for formal complaints and legal escalation. 

Kindly confirm the accuracy and compliance of the reported allegation under XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The presented claim seems to deviate from compliant reporting standards or raises doubts about its factual accuracy. Please provide certification for each aspect of this claim that has been verified as true, accurate, complete, and timely. Ensure that the reporting adheres to all regulatory requirements, including the obligatory compliance with the meticulous and comprehensive Metro 2 format. If not compliant, please promptly remove the report. 

The Reported Date Opened ( XXXX ) : XX/XX/XXXX appears to be in violation of the required standards for accurate reporting. As a consumer, I am filing a complaint to contest the reporting privilege of the reporter until they can prove beyond doubt that their reporting practices meet the mandatory industry standards. Specifically, they must adhere to the perfection and completeness requirements of the Credit Reporting Industrys Metro 2 Format standards. Otherwise, the reported information is likely deficient and inappropriate for the purpose of accurate credit reporting. 

The reported No. of Months ( terms ) ( XXXX ) : XXXX, for all bureaus, appears to be substandard in terms of reporting requirements and decorum. As a consumer, I hereby submit a written demand to the data reporter, who is privileged to report conditional upon meeting certain criteria, to prove their confirmed and demonstrated adequacy of reporting practices. I also request that all accepting data reporting repositories provide factual attestation of their own reporting adequacy, satisfying the minimum criterion for utilizing their reporting benefit. 

The reported Last Reported : XX/XX/XXXX is inconsistent across the three credit reporting agencies. This deviation from the required reporting standards has led me to contest the reporting of this claim, as the creditor must prove that their reporting practices fully comply with the Credit Reporting Industrys Metro 2 Format standards. If they can not demonstrate compliance, their reporting may not meet the necessary requirements. 

The Date Last Active ( XXXX ) : XX/XX/XXXX suggests a deviation from required reporting standards and may not meet the necessary criteria for certifiable compliant reporting. I request modification of any derogatory allegations against me that may result from these claims. All negative aspects of such claims must be addressed appropriately to ensure the accuracy of my credit report. 

The Date of Last Payment ( XXXX ) : XX/XX/XXXX suggests a deviation from required reporting standards and may not meet the necessary criteria for certifiable compliant reporting. I hereby demand that you annul this reporting or modify it so that no derogatory allegations are reported against me, especially with regard to any and all aspects of these claims. 

I am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit denials and exorbitant interest rates. Therefore, I am providing you with the following options for resolution : Please understand that I will only accept regulatorily compulsory and lawfully compliant information alleged against me if it is confirmed to be accurate and complete. Any deviations or inadequacies in your reporting could potentially jeopardize the integrity of the alleged claims ( as per XXXX XXXX XXXX ). You have up to 7 days from receipt of this letter to act and respond with adequate, fair, and complete reporting, in total compliance with reporting requirements, or I may consider taking legal action against you for monetary damages, penalties, and awards. 

If I do take legal action, the cost to your company will be much greater. Therefore, it would benefit both parties to take immediate action. By selecting one of the available options I have provided, I will consider this matter settled and will pursue no further actions. 

I hereby request that any and all claims against me be accompanied by a notarized statement from a person with original knowledge of the debt who can testify to its legal incurrence, absence of returned or faulty consumer products, absence of profit-loss tax deductions, and absence of loss claims with any insuring entity during the period it may have been payable. Please confirm the proof of each and every claim made against me. 

This letter serves as formal notice of your noncompliance with federal law in relation to these accounts. I demand immediate removal of the inaccurate late payment history and request that the accounts be updated to reflect paid as agreed. 

Applicable Laws and Potential Violations 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 Section 1681i Procedure in Case of Disputed Information Under the FCRA, consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer notifies them of inaccurate information. A failure to conduct a proper reinvestigation or to update information in accordance with the law constitutes a violation. 

Potential Violations : Failure to conduct a proper reinvestigation of disputed late payment accounts Failure to remove inaccurate information after verifying that the reported information is incorrect Failure to update the information to reflect the status of paid as agreed when the consumer has proven the account is in good standing 2. Data Accuracy Requirements 15 U.S. Code 1681e ( b ) The FCRA mandates that consumer reporting agencies must ensure that credit reports are as accurate as possible. 

Potential Violations : Reporting inaccurate late payment history despite evidence to the contrary Failure to update the account status to paid as agreed once the dispute has been resolved Reporting the account as open with late payments when it has been closed or paid off 3. Willful Noncompliance 15 U.S. Code 1681n If a consumer reporting agency willfully violates the FCRA, the consumer is entitled to statutory damages. 

Potential Violations : Willfully refusing to correct inaccurate late payment reports after being notified of the error Failure to investigate and remove erroneous late payment entries when clearly warranted Ignoring the legal obligation to provide an accurate credit report 4. False Reporting of Late Payments 15 U.S. Code 1681b A consumer reporting agency may only furnish reports for permissible purposes. 

Potential Violations : Reporting late payments without proper verification or documentation Failure to investigate reports of inaccuracies in late payments, which are not substantiated by the creditor 5. Credit Reporting Error 15 U.S. Code 1681o Even if the violation was not willful, negligent failure to comply with FCRA regulations results in consumer entitlement to damages. 

Potential Violations : Reporting inaccurate late payment history despite clear proof of timely payment Negligence in correcting errors after they have been disputed 6. Penalties for Noncompliance If these violations are not resolved within the legally mandated time frame ( 30 days ), I will take the following actions : Seek statutory damages under 15 U.S. Code 1681n Seek actual damages for financial harm caused by the inaccurate reporting of late payments Pursue punitive damages for willful noncompliance Take legal action for defamation and financial injury caused by these inaccurate credit reports Items in Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account contains multiple errorsconflicting late payment history, past due status, last payment date, and account details. 15 U.S.C. 1681e ( b ) : You are required to maintain maximum accuracy. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Reporting false or unverifiable information is illegal. Billing errors violate TILA ( 15 U.S.C. 1666 ), requiring correction or deletion. DELETE THIS IMMEDIATELY or prepare for formal complaints and legal escalation. 

These late payment entries do not meet the legal standards of accuracy and must be updated to reflect paid as agreed or removed entirely from my credit report.

Company response to consumer: Closed with non-monetary relief