Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Credit Report Information Account # XXXX * * * * Demand for Investigation, Correction, and Compensation under FCRA, FDCPA, and Metro 2 Dear Sir or Madam, I am writing to formally dispute inaccurate, incomplete, and unverifiable information reported on my credit reports by XXXX XXXX XXXX ( Account # XXXX * * * * ) and maintained by XXXX XXXX and Equifax. This letter serves as a formal dispute under 15 U.S.C. 1681i ( a ) ( FCRA ) and a demand for investigation, correction, and permanent deletion of the erroneous data. Additionally, I seek compensation for damages caused by these inaccuracies in violation of the FCRA, FDCPA, and Metro 2 compliance standards. I reserve all rights under UCC 1-308 without prejudice. 
Inaccuracies and Violations The following inaccuracies and violations have been identified in the reporting of Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Incorrect Date of First Delinquency ( DOFD ) : * The XXXX is inconsistently reported across bureaus ( e.g., TransUnion : XX/XX/XXXX ; Experian : XX/XX/XXXX ). Under 15 U.S.C. 1681c, the DOFD must be accurate, as it determines the obsolescence period for derogatory accounts. This discrepancy violates Metro 2 standards, which require furnishers to report a consistent and verifiable DOFD. Inaccurate DOFD reporting is a direct violation of 15 U.S.C. 1681e ( b ), requiring reasonable procedures to ensure maximum accuracy.

2. Inconsistent Account Details Across Bureaus : * Date Opened : XXXX reports XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. 
* High Credit : TransUnion reports {$1500.00} ; Experian reports {$1700.00}. 
* Number of Months ( Terms ) : TransUnion reports 15 months ; Experian reports 0 months. 
* XXXX XXXX XXXX XXXX reports {$0.00} ; XXXX  reports {$50.00}. 
* These inconsistencies violate Metro 2 standards, which mandate uniform reporting of account details. Under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct such discrepancies. Failure to do so constitutes a willful violation of the FCRA.

3. Inaccurate Payment Status and Comments : * The account is reported as Collection/Chargeoff with comments indicating Account payment ; wage garnishment ( TransUnion ) and Paid or being paid by garnishment ( Experian ). These statements are misleading and suggest ongoing collection activity despite a {$0.00} balance and no past-due amount. Metro 2 guidelines require accurate status codes ( e.g., Code 13 for paid/closed accounts or Code 97 for charged-off accounts with no balance ). The current reporting misrepresents the accounts status, violating 15 U.S.C. 1681e ( b ).

4. Two-Year Payment History Errors : * The payment history includes inconsistent delinquency codes ( e.g., XXXX shows XXXX, XXXX, XXXX  days late ; TXXXX  shows XXXX for the same periods ). Metro 2 requires accurate payment history reporting, and these discrepancies suggest failure to verify data before submission via e-OSCAR, violating 15 U.S.C. 1681s-2 ( b ).

5. Potential Wire Fraud via e-OSCAR : * By transmitting inaccurate or misleading data through e-OSCAR, XXXX XXXX XXXX and the credit bureaus XXXX have engaged in wire fraud under 18 U.S.C. 1343. Knowingly uploading false data to my credit file with intent to harm my creditworthiness constitutes a fraudulent act across interstate electronic systems.

6. Failure to Conduct Reasonable Investigation : * Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation, review all dispute information, and correct or delete unverifiable data. The persistence of these inaccuracies suggests XXXX XXXX XXXX has failed to comply with these obligations. Similarly, under 15 U.S.C. 1681i ( a ), credit bureaus must reinvestigate disputes and delete unverifiable information within 30 days.

7. FDCPA Violations : * The misleading comments about wage garnishment and paid or being paid by garnishment may violate 15 U.S.C. 1692e, which prohibits false or misleading representations in debt collection. If XXXX XXXX XXXX or its agents reported this account as actively under garnishment without evidence, this constitutes an FDCPA violation. 
Supporting Case Law * XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Furnishers must conduct reasonable investigations under XXXX XXXX. XXXX ( b ) and correct or delete inaccurate data. Failure to do so results in liability for damages. 
* XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Inaccurate reporting of derogatory accounts violates FCRAs accuracy requirements, entitling consumers to damages for economic and emotional distress. 
* XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit bureaus are liable for failing to reinvestigate and correct inaccurate information, especially when it causes harm to the consumers creditworthiness. 
* XXXX v. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Furnishers failure to verify disputed information and correct errors violates XXXX XXXX. XXXX ( b ), supporting claims for damages. 
Requested Actions Under the FCRA, FDCPA, and Metro 2 standards, I demand the following : XXXX. XXXX XXXX : XXXX a thorough investigation of the disputed account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ). Review all relevant documentation, including payment records, account agreements, and garnishment orders ( if any ).

2. Permanent Deletion : Delete the account from my credit reports with TransUnion, Experian, and Equifax due to unverifiable and inaccurate data, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

3. Correct Metro 2 Reporting : Ensure all status codes, DOFD, and account details comply with Metro 2 standards and accurately reflect the accounts status ( e.g., paid/closed with {$0.00} balance ).

4. Cease Misleading Communications : Stop reporting misleading comments ( e.g., wage garnishment ) that violate 15 U.S.C. 1692e.

5. Compensation for Damages : Provide compensation for economic and emotional distress caused by these violations, as permitted under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). Inaccurate reporting has harmed my credit score, financial opportunities, and well-being.

6. Written Response : Within 30 days, provide a written response detailing the results of your investigation, including all corrective actions taken, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Documentation and Verification I have not included sensitive personal information ( e.g., Social Security Number ) in this letter to protect my identity. Upon request, I can provide verification documents to confirm my identity. Please note that under 15 U.S.C. 1681i ( a ) ( 1 ), you must investigate based on the information provided in this dispute.

Notice of Potential Legal Action Failure to comply with FCRA, FDCPA, and Metro 2 obligations may result in legal action to enforce my rights and seek damages, including statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n and actual damages for harm caused. Additionally, I reserve the right to report potential wire fraud violations to the appropriate authorities under 18 U.S.C. 1343.

Company response to consumer: Closed with explanation