Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Legal Demand for Immediate Investigation and Permanent Deletion XXXX XXXX XXXX Collection Account ( Account Ending in XXXX ) Dear Credit Bureau, This correspondence constitutes a formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I am demanding an immediate reinvestigation and correctionor permanent deletionof the following materially inaccurate and non-compliant tradeline appearing on my consumer credit report : Debt Buyer : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2400.00} Status : Open Collection Date of First Delinquency ( DOFD ) : XX/XX/XXXX Date Reported : XX/XX/XXXX Material Violations of FCRA and Metro 2 Standards : The Date of First Delinquency ( DOFD ) is reported as XX/XX/XXXX, which predates the reported account opening date of XX/XX/XXXX. This discrepancy raises serious concern of illegal re-aging, a direct violation of FCRA 605 ( c ) and 15 U.S.C. 1681c ( a ). No furnisher or bureau may reset the aging of debt to extend its reporting period.

The tradeline omits multiple materially required fields under Metro 2 and FCRA guidelines, including : Name of the original creditor Date of last payment Charge-off amount Scheduled payment terms Payment activity Contractual terms or frequency Reporting an account in collection while failing to disclose this essential information renders the account legally incomplete and unverifiable. 
The repeated use of C ( collection ) notations in every month from XX/XX/XXXXXXXX XXXX XXXX XXXX  is misleading and constitutes duplicate derogatory reporting. Once an account has entered collections or has been charged off, subsequent monthly notations must reflect that final statusnot perpetuate a rolling pattern of delinquency, which artificially inflates the consumer 's derogatory profile. 
Legal Remedy Demanded : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and FCRA 611, I hereby demand the following : The immediate and complete deletion of this account from my credit reports across all bureaus if any aspect of the reporting can not be fully verified and brought into full compliance with federal law ; OR The correction and supplementation of all missing data, with proper recalculation of the reporting period based on the original DOFD. 
Notice of Intent : If the reinvestigation fails to correct or delete this erroneous tradeline within 30 days, I will file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX New York State Attorney General 's Office ( if applicable ) Furthermore, I reserve the right to pursue civil remedies under FCRA 616 and 617 for willful or negligent noncompliance, including statutory damages, punitive damages, attorneys fees, and court costs. 

I expect prompt compliance with your statutory obligations and written confirmation of the results within the required 30-day timeframe.

Company response to consumer: Closed with explanation