Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX This affidavit serves as my Formal Round 1 Dispute & Notice of Violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Metro 2 Compliance Standards, and the Uniform Commercial Code ( UCC ). I, XXXX XXXX, have never given written consent to furnish, obtain, or distribute my personal information to any company or creditor now reporting inaccurate or unverifiable accounts. Equifax has an affirmative duty under 15 U.S.C. 1681e ( b ) to maintain the maximum possible accuracy of all consumer information, and under 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation of all disputed data. DISPUTED ACCOUNTS UNVERIFIED, INCONSISTENT & OUTRAGEOUS REPORTING 1. COMENITY / COMENITY XXXX XXXX CHARGE-OFF Account # : XXXX XXXX XXXX XXXX XXXX Equifax reports this account as a charge-off. The account information shown on other bureau files is inconsistent ( different balances, update dates, and statuses ). Such inconsistency proves Equifax is reporting unverifiable data in violation of FCRA 1681e ( b ) and Metro 2 data integrity standards. If XXXX can not provide a signed contract, payment history, and original agreement, this tradeline must be deleted immediately. 
XXXX. XXXX XXXX XXXX XXXX LOAN CHARGE-OFF Account # : XXXX XXXX XXXX XXXX XXXX  Equifax lists this as charged off with a reported past-due balance. Other bureau files show different " last activity '' dates and status. This manipulation of dates constitutes a willful disregard of consumer rights under 1681i and 611, and violates the Metro 2 requirement for uniform reporting across bureaus. 
XXXX. XXXX XXXX XXXX XXXX ACCOUNT Account # : XXXXXXXX XXXX XXXX XXXX XXXX Reported as a purchased debt from XXXX XXXX. Equifax lists an " opened '' date and " updated '' date that conflict with other bureaus. Under 15 U.S.C. 1692g of the FDCPA, a debt collector must provide proof of debt validation, including a signed credit agreement, complete payment history, and chain of title. Failure to do so renders the account illegal to report or collect. Continued reporting without such documentation also violates 1692cc and UCC 9-210 regarding right to accounting and assignment. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) COLLECTION ACCOUNT Account # : XXXXXXXX XXXX XXXX XXXX XXXX Equifax reports a balance, date opened, and " last updated '' period that differ from other bureaus ' records. This shows data tampering and lack of uniformity under Metro 2. XXXX  has failed to produce legal proof of assignment from the original creditor. Under 15 U.S.C.

1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted immediately. Continued reporting of unverifiable or inaccurate data is willful noncompliance. 
LEGAL GROUNDS & DEMANDS FOR ACTION 1. FCRA 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy ; inconsistent balances and dates prove this duty is violated.

2. FCRA 1681i ( a ) ( 1 ) ( A ) Mandates reinvestigation within 30 days of receiving this certified dispute.

3. FCRA 1681i ( 7 ) Grants my right to receive the method of verification, including names, addresses, and documentation relied upon.

4. FCRA 1681i ( a ) ( 5 ) ( A ) Requires deletion of any unverifiabl
e or inaccurate information after reinvestigation.

5. FDCPA 1692g Requires collectors to produce written validation of the debt ; failure invalidates all reporting.

6. FDCPA 1692cc Prohibits continued collection activity on unverified debts.

7. 15 U.S.C. 1666b Governs late-payment posting ; any misreported delinquencies violate this billing accuracy rule.

8. Metro 2 Compliance Mandates consistency in reporting across all credit bureaus ; conflicting data breaches this standard.

9. UCC 9-210 Provides the right to demand the accounting and proof of assignment for any alleged debt sold or transferred.

FORMAL DEMANDS - Provide the method of verification for each disputed account, including all documents used to verify ( signed contracts, payment records, chain of title ).

- Delete all unverifiable, inaccurate, or inconsistent data under FCRA 1681i ( a ) ( 5 ) ( A ).

- Provide written confirmation of deletions and reinvestigation results within 30 days as required by 611.

- Cease and desist any unauthorized furnishing or obtaining of my personal information.

Failure to comply within the statutory timeframe will result in my pursuit of legal counsel and civil action for willful violations of the FCRA, FDCPA, and Metro 2 standards. This continued negligence and manipulation of data is outrageous and unacceptable under federal consumer protection laws.

Affidavit of Truth & Verification I, XXXX XXXX, affirm under penalty of perjury that all information provided is true and correct to the best of my knowledge. I never authorized any creditor or consumer reporting agency to furnish or obtain my personal information without my written consent.

Company response to consumer: Closed with non-monetary relief