Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX Closed dispute with the same inaccuracies reporting. They made a comment but did not cure violations. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX Date : XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Insufficient Verification, Metro 2 , FCRA & FDCPA Compliance Dear Equifax Information Services , LLC I am writing to formally dispute the continued reporting of inaccurate information on my credit file following your insufficient verification of the account ( XXXX ) in question. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Date of Last Activity ( DLA ) is being reported incorrectly. This misreporting violates your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of credit information. An inaccurate Date of Last Activity constitutes retroactive reporting, which unlawfully extends the time negative information remains on my report and is a direct breach of my consumer rights under the FCRA. You have inaccurately and actively reported this ( CO ) information each and every month for 15 months as reflected by my most recent credit report.You also continue to report a {$120.00} balance on a charged off account. This derogatory, illegal, and negative reporting has suppressed my credit scores when it should not have. 
Additionally, I remind you of your duty to adhere to Metro 2 reporting standards, which require data furnishers and credit reporting agencies to report information in a standardized, accurate, and consistent format. The failure to report the Date of Last Activity correctly is not only misleading but also represents a failure to comply with the industry standard you are required to follow.

Under FCRA 604 [ 15 U.S.C. 1681b ], consumer reporting agencies may only furnish a consumer report for a permissible purpose. Any reporting, reinsertion, or furnishing of my personal credit information without my consent and without a clearly defined statutory purpose is a violation of federal law. You have violated my rights here by continuing to report this inaccurate information without my explicit permission.

In addition, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of a debt. Reporting an inaccurate Date of Last Activity or continuing to report unverifiable information misrepresents the legal status of the debt, in violation of FDCPA 807. Further, under FDCPA 809 [ 15 U.S.C. 1692g ], a debt collector must provide validation of the debt when disputed ; failure to do so while continuing to report is a clear violation.

Pursuant to FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], I also request the full method of verification, including the name, address, and telephone number of the furnisher, as well as the specific procedures used in your reinvestigation to verify the disputed information.

I therefore demand that you : Provide proper verification and documentation proving that the Date of Last Activity is accurate and compliant with FCRA, FDCPA, and Metro 2 standards.The information that is currently being reported is not compliant.

Delete the account in its entirety as retroactive and continued reporting constitutes willful noncompliance and a breach of my rights under federal law. My most recent dispute of this account
has been closed with these inaccuracies still being reported.

Cease and desist the reinsertion or reporting of any inaccurate, unverifiable, or unauthorized information in violation of FCRA 604 [ 15 U.S.C. 1681b ], FCRA 611 ( a ) ( 5 ), and FDCPA 807 809.

Acknowledge that TransUnion has previously been found in breach of consumer protection obligations. For example, the Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) found TransUnion engaged in deceptive practices, failed to ensure accuracy in consumer files, and mishandled disputes. Likewise, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the U.S. Supreme Court recognized the significant harm caused to consumers by inaccurate credit reporting. Continuing to report unverifiable or inaccurate information in my case demonstrates the same pattern of misconduct and places your bureau at further risk of liability. 



Please consider this a formal request under federal law. I expect your full compliance within the XXXX period required by statute. Failure to correct or delete this inaccurate information may subject your agency to liability under FCRA 616 and 617 and FDCPA 813 [ 15 U.S.C. 1692k ] for willful or negligent noncompliance.

I have already escalated this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and am prepared to escalate this matter to the Federal Trade Commission ( FTC ), as well as pursuing all remedies available to me under federal law. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Last four of social : ( XXXX ) XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief