Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX  : XX/XX/XXXXXXXX XXXX Date : XXXX Dear Credit Reporting Agency , This letter is submitted pursuant to my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and Metro 2 data reporting standards. As a consumer, I have the right to accurate, verifiable, and complete information in my credit file, and I am invoking those rights now.

I am writing to irrevocably dispute and demand the permanent deletion of 14 inaccurate, misleading, and non-compliant trade lines appearing on my credit reports with Experian, Equifax, and TransUnion. These entries violate multiple federal consumer protection laws and Metro2 reporting standards. They have directly contributed to a XXXX drop in my FICO Score and can not be correctedthey must be removed. 

Disputed Accounts XXXX. XXXX XXXX XXXX ( five separate accounts ) Balances : {$3700.00} ; {$4700.00} ; {$5700.00} ; plus {$2100.00} ; {$950.00} Open Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Status : Open installment accounts Metro2 Violations : Field5 : Inconsistent or missing installment codes Field7 : No 03 purchase code if sold Field11 : Missing original creditor Field14 : Re-aged dates Field17A : No XB dispute code Legal Violations : FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), 1681s2 ( b ), 1681c ( a ), 609, 611 FDCPA 807, 809 ( b ) TILA violations for lack of accurate disclosures 6. XXXX XXXX XXXX / XXXX Balance : {$860.00} | Opened : XX/XX/XXXX Metro2 Violations : Field7 : No 03 code Field11 : No original creditor Field17A : No dispute flag Legal Violations : FCRA 1681e ( b ), 1681s2 ( b ) ; FDCPA 807, 809 ( b ) XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX : {$310.00} | Opened : XX/XX/XXXX Metro2 Violations : Field5, 7, and 17A Legal Violations : FCRA 1681e ( b ), 1681i ( a ) ; FDCPA 807 8. XXXX XXXX XXXX XXXX XXXX  Balance : {$790.00} | Opened : XX/XX/XXXX Metro2 Violations : Field12 and Field17A Legal Violations : FCRA 1681e ( b ), 1681c ( a ) XXXX. XXXX XXXX Balance : {$1200.00} | Opened : XX/XX/XXXX Metro2 Violations : Field12 and 17A Legal Violations : FCRA 1681e ( b ), 1681i ( a ) 1014. Other Closed or Charged-Off Accounts ( Multiple closed and charged-off tradelines observed in documents ) Metro2 Violations : Fields 5, 7, 11, 12, 14, and 17A Accounts misclassified, re-aged, without dispute code Legal Violations : FCRA 1681e ( b ), 1681i ( a ), 1681c ( a ), 1681s2 ( b ), 609, 611 FDCPA 807, 809 ( b ) TILA : Failure to disclose legally required information on charged-off balances Summary of Legal & Compliance Failures These 14 accounts exhibit : Metro2 violations in Fields 5, 7, 11, 12, 14, and 17A FCRA violations : inaccuracy, unverifiable status, improper investigations, re-aging, adverse actions FDCPA violations : debt misrepresentation and failure to validate TILA violations : disclosure failure and noncompliant reporting Final Demand Given the clear and repeated violations of federal law and Metro 2 compliance standards, I am demanding the immediate and permanent deletion of all accounts listed in this letter. I am not requesting correctiononly full removal.

If these accounts are not deleted within 30 days, I will escalate this dispute to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Maryland Attorney Generals Office And pursue civil damages under FCRA 1681n and 1681o, and FDCPA 813 Attached are the following supporting documents for verification : A copy of my photo identification A recent utility bill or lease agreement as proof of address Screenshots of the disputed accounts as reflected in my credit file This dispute is made in good faith and in accordance with my rights under federal law. I expect deletion and written confirmation within the legally mandated

Company response to consumer: Closed with non-monetary relief