Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
I am writing to formally dispute again the reporting of the XXXX XXXX XXXX account on my credit report, as it contains several discrepancies that may render the information inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). I respectfully request deletion of this account from my credit report, as the reported data appears to be non-compliant with both Metro 2 standards and sections of the FCRA. 
Account Information Under Dispute Original Loan Amount : {$54000.00} Amount Paid : {$45000.00} Remaining Balance : {$8800.00} Scheduled Payment : {$960.00} ( Actual Payment : {$0.00} ) Payment History : Numerous late payment notations ( 60, 90, 120 days past due ) spanning from XXXX to XXXX Discrepancies and Applicable FCRA Violations 1. Inaccurate Reporting of Payment HistoryThe account displays inconsistent and overlapping late payment notations ( 60, 90, 120 days past due ) for several months. Metro 2 standards require consistent reporting of delinquency data, and these overlaps raise questions about the accuracy of the reported delinquency duration. According to 1681e ( b ) of the FCRA, credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy. The unclear and repetitive late payment entries on this account indicate a lack of accuracy and may violate this section. 

2. Unverifiable Payment InformationThe account is noted as having an Actual Payment Amount of {$0.00} despite reporting multiple past-due amounts and a scheduled payment of {$960.00}. Under 1681i ( a ) of the FCRA, consumers have the right to dispute and demand verification of inaccurate or incomplete information. If XXXX XXXX XXXX can not verify that this data is correct, then it must be deleted or corrected by law. Inconsistent reporting of payment history and payment amounts suggests a lack of verifiable information. 

XXXX. Potential Duplicate Delinquency ReportingThe payment history shows repetitive delinquencies, particularly with extended periods of 60-day, 90-day, and 120-day past-due notations. Metro 2 guidelines specify that delinquency periods should be accurately represented to prevent inflated or misleading credit history data. The repeated use of these codes creates the appearance of more severe delinquency than may actually exist, potentially violating 1681e ( b ) of the FCRA by failing to maintain maximum possible accuracy. 

4. Non-Compliance with Verification and Reinvestigation RequirementsUnder 1681i ( a ) ( 1 ), XXXX must reinvestigate disputed information. Given the discrepancies in payment history and amounts, I am requesting deletion of this account from my report if these inconsistencies can not be verified as accurate. Additionally, 1681i ( a ) ( 5 ) mandates that any unverifiable information must be deleted. If XXXX XXXX XXXX can not confirm each detail as accurate, this account should be removed from my report entirely. 

Request for Deletion Due to the substantial reporting errors and unverifiable information, I request that XXXX delete the XXXX XXXX XXXX account from my credit report if it can not be verified with accurate, consistent data in accordance with Metro 2 standards and FCRA requirements. 

This dispute is submitted under the Fair Credit Reporting Act, and I expect a response within the 30-day timeframe as required by 1681i ( a ) ( 1 ). If XXXX can not verify the disputed information within this period, I request immediate deletion of the XXXX XXXX XXXX account from my credit report, per 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation