Consumer complaint received 2025-11-02 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: OH

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX by XXXX XXXX, LLC Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : [ your email address ] Company Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Credit Bureau XXXX : XXXX  XXXX XXXX XXXX XXXX. 




Summary of Complaint I am filing this complaint because XXXX XXXX XXXX continues to report an account on my credit file even though two XXXX XXXX XXXX XXXX cases were resolved in my favor. 

XXXX XXXX. XXXX XXXX in favor of the defendant ( XXXX XXXX ). 

XXXX XXXX. XXXX XXXX in favor of the defendant ( XXXX XXXX ). 


These court decisions confirm that XXXX XXXX could not validate or prove ownership of the alleged debt. 
However, the company still reports the same account as a collection or charged-off item on my Experian credit report dated XX/XX/year>. 




Description of the Issue The credit report entry appears inaccurate for the following reasons : XXXX. Ownership Unverified : The court rulings indicate the company could not establish a valid chain of title or documentation showing it owned the debt. 


2. Continued Reporting After Adverse Judgment : Even after losing both court cases, Velocity continues furnishing the tradeline to Experian as if it were valid.

3. Possible Re-Aging or Date Manipulation : The Date of First Delinquency ( DOFD ) shown on my report appears newer than the original delinquency date, which may violate FCRA 623 ( a ) ( 5 ) and CDIA Metro 2 Section 4.2.2, both of which prohibit re-aging or resetting delinquency dates.

4. Duplicate or Inconsistent Data : The reporting fields do not match Metro 2 formatting rules for closed or invalidated accounts, raising accuracy concerns under FCRA 607 ( b ).

Relevant Law and Guidance FCRA 607 ( b ) Credit bureaus and furnishers must maintain maximum possible accuracy of information.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report information known or believed to be inaccurate.

FCRA 623 ( b ) ( 1 ) Furnishers must investigate and correct or delete disputed information.

FCRA 623 ( a ) ( 5 ) DOFD may not be altered to extend the reporting period.

CDIA Metro 2 Reporting Guidelines Require valid Date of First Delinquency, chain-of-title verification, and consistent status codes ( DOFD = original charge-off date ; Status = 93/Charge-off ).

Relief Requested I respectfully ask that the CFPB : XXXX. Request deletion or suppression of the XXXX XXXX tradeline from my Experian file. 


XXXX. Require XXXX XXXX to submit proof of ownership and accurate DOFD documentation. 


XXXX. Ensure all credit bureaus receive corrected information consistent with FCRA 623 ( b ).

4. Review XXXXXXXX XXXX furnisher compliance procedures for accuracy and XXXX XXXX adherence. 






XXXX XXXX XXXX XXXX XXXX XXXX case records : Case No. XXXX XXXX XXXX. XXXX XXXX Experian Credit Report ( dated XX/XX/year> ) showing continued Velocity reporting. 

My prior dispute letters sent to Experian and XXXX citing FCRA and Metro 2 standards.

Company response to consumer: Closed with explanation