Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
* Final 15-Day Notice to CFPB Regarding Equifax XXXX XXXX XXXX : Repeated FCRA, Metro 2 , and NY GBL 380-j Violations Noncompliance, Re-Aging, and False Reporting To the Consumer Financial Protection Bureau ( CFPB ) , I am submitting this final, escalated complaint against Equifax in connection with their continued unlawful reporting of a XXXX Card account ending in * XXXX. Despite multiple well-documented disputes and two prior CFPB complaints ( XXXX and XXXX ), Equifax refuses to correct or delete this materially inaccurate and legally non-compliant tradeline. I am now issuing a 15-day final demand for full deletion or regulatory-corrective action before I pursue additional legal remedies. 



Account Overview : Creditor : XXXX XXXX  Account Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Charge-Off Start : XX/XX/XXXX Account Paid in Full : XX/XX/XXXX Current Status in Equifax ( as of XX/XX/XXXX ) : Charge-Off Balance : {$0.00} Reported Available Credit : {$500.00} Date Closed ( per report ) : XX/XX/XXXX ( false ) Documented Violations : 1. False Balance Reporting After Full Payment Despite payment in full on XX/XX/XXXX, Equifax continued to report balances of {$710.00} ( XX/XX/XXXX ) and {$410.00} ( XX/XX/XXXX ). 
Violates : FCRA 623 ( a ) ( 2 ) and Metro 2 Guidelines on Closed/Paid Charge-Offs.

2. Missing 30-Day Delinquency and Broken Payment History Equifax reports XXXX delinquencies, but omits the mandatory 30-day mark and skips XX/XX/XXXX entirely. 
This compromises DOFD accuracy and inflates derogatory severity.

Violates : FCRA 607 ( b ) and Metro 2 Reporting Format.

3. Illegal Re-Aging & Contradictory Date Closed Equifax reports the account as Closed in XX/XX/XXXX, yet DOFD is XX/XX/XXXX, and delinquencies/COs span through XXXX. 
This misleads both lenders and consumers and constitutes intentional re-aging.

Violates : FCRA 623 ( a ) ( 5 ), 607 ( b ) 4. False Available Credit on XXXX Account Equifax lists a {$500.00} available credit on a closed, paid, and charged-off account a clear technical impossibility.

Violates : Metro 2 Format Base Segment Rules ( Field Exclusion ), FCRA 607 ( b ) 5. Illegal Reporting Beyond 5-Year Limit in NY State I was a resident of New York XXXX XX/XX/XXXX, and DOFD is XX/XX/XXXX. 
Under N.Y. Gen. Bus. Law 380-j ( f ) ( 1 ) ( i ), paid charge-offs must be removed after 5 years from DOFD. 
Equifax continued to report this entry despite documented proof of NY residency ( paystub, bank statement ), violating both state and federal law. 



Prior Complaints Confirm Systemic Noncompliance : CFPB Complaint # XXXX ( XX/XX/XXXX ) : Violations detailed ; Equifax refused to delete, citing verified status without correcting core errors. 
CFPB Complaint # XXXX ( XX/XX/XXXX ) : Confirmed absence of Metro 2 codes ( AU/XB ), post-payment CO history, re-aging, and false closure dates. 
Equifax responded with superficial adjustments while ignoring all regulatory violations. 

This demonstrates a pattern of willful negligence, automated dismissals, and procedural bad faith in direct defiance of federal oversight. 



Legal Grounds for Escalation : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) - ( 5 ) : Failure to report DOFD accurately, to correct errors, and to avoid re-aging FCRA 611 : Failure to properly reinvestigate disputed data NY GBL 380-j ( f ) ( 1 ) : Prohibited retention of paid charge-off post-5 years Metro 2/CDIA Reporting Manual : Violations of mandatory field behavior and coding 15-Day Final Demand I am formally granting Equifax 15 calendar days from the date of this complaint to either : 1. * Fully delete the XXXX XXXX  tradeline ( XXXX ) from my Equifax file, OR 2. Remove tradeline per NY 380-j If Equifax Fails to Comply : If I do not receive confirmation of deletion or legally sufficient correction within 15 days, I will immediately proceed with : Formal complaints to the New York and Ohio Attorneys General Complaint to the Federal Trade Commission ( FTC ) Legal action under FCRA 616 and 617 for statutory, actual, and punitive damages Supporting Documentation : Screenshots of erroneous report data Payment confirmation ( XX/XX/XXXX ) Equifax dispute responses Proof of New York residency ( bank statement ) Prior CFPB complaints and results Conclusion : Equifaxs continued noncompliance represents not a misunderstanding, but a deliberate, documented pattern of negligent or willful reporting abuse. I now demand formal regulatory action and full relief under the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation