Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
XXXX - XXXX is the account needed to be looked at. 

I have written letters in regards to this account since XXXX of XXXX, every month since then. With no response, not even a copy of verification to this account that I am unfamiliar with. 

This is one of many letters and its correspondence. 

1. Violation of FCRA, Section 1681e ( b ) Inaccurate and Misleading Reporting 15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum possible accuracy in their reports. However, the following inconsistencies are evident : Open Account Classification : This account is improperly listed as an " Open Account '' rather than a Collection Account, which misrepresents its status under Metro 2 guidelines. 

Date of Last Activity : The Date Last Active ( XX/XX/XXXX ) conflicts with the Last Reported Date ( XX/XX/XXXX ), which suggests an attempt to artificially extend the reporting period in violation of FCRA reporting limits. 
These inaccuracies violate FCRA standards and mislead lenders about the status of this debt. 
2. Violation of FDCPA, Section 1692g Lack of Proper Validation Under 15 U.S.C. 1692g, I am entitled to validation of the debt. I have submitted multiple requests for validation and supporting documentation related to this debt, but I have received no response or adequate documentation. Continuing to report a debt without proper validation is a violation of the FDCPA and constitutes deceptive collection practices. Demand : If you can not provide verifiable documentation validating the debt, it must be removed immediately from my credit report.

3. Violation of CFPB Guidelines Inconsistent and Unfair Reporting According to CFPB guidelines, all reported information must be consistent across credit bureaus. However, this account reflects conflicting activity dates and has been improperly classified, which negatively impacts my credit profile and misleads creditors. The CFPB prohibits practices that result in unfair harm to consumers through inaccurate or misleading reporting.

4. Violation of FCRA, Section 1681c ( a ) Outdated and Artificially Extended Reporting Under FCRA, 15 U.S.C. 1681c ( a ), negative information such as delinquent payments and charge-offs can not be reported beyond seven years from the date of first delinquency. This accounts last activity date of XX/XX/XXXX suggests that it is nearing the statutory reporting limit, yet the reported dates appear inconsistent in an attempt to extend the reporting period. 4 of 12 5. Metro 2 Data Standards Violations According to Metro 2 guidelines, collection accounts must be classified correctly to ensure consistency and accuracy. The " Open Account '' status listed for this collection account is an improper classification under these standards. This error further justifies the immediate removal of this account. 

DEMAND FOR IMMEDIATE DELETION Due to the inaccurate, inconsistent, and unverifiable nature of the information provided, I am formally requesting the immediate deletion of this account from my credit report. If the account can not be verified with accurate, documented evidence, federal law under the FCRA, FDCPA, and CFPB guidelines requires that it be removed without delay

Company response to consumer: Closed with non-monetary relief