Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
non-compliant negative information from my Equifax credit report dated XX/XX/XXXX. Pursuant to my rights under federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6802 ), FERPA ( 20 U.S.C. 1232g ), and Truth in Lending Act ( 15 U.S.C. 1666b ), as well as Metro 2 compliance standards, you are hereby instructed to delete all negative information listed below. 
________________________________________ XXXX. Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Filed XX/XX/XXXX | XXXX XXXX | Reported XX/XX/XXXX Violation : FCRA 605 ( c ) ( 1 ) prohibits reporting bankruptcies beyond 10 years. Further, XXXX XXXX guidelines require accurate coding, which is absent here. Any continued reporting without full court verification is unlawful. 
Demand : XXXX deletion of this bankruptcy record. 
________________________________________ XXXX. Collection Accounts Unlawful & Unverified Examples from report include : XXXX XXXX XXXX {$890.00} ( XX/XX/XXXX ) XXXX XXXX {$1000.00} ( XX/XX/XXXX ) and {$680.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} ( XX/XX/XXXX ) Violations : FCRA 1681c-2 I have the right to block unverifiable collections.

FDCPA 1692g Debt buyers failed to provide proper validation.

GLBA 6801-6802 Unlawful sharing of my private data.

Metro 2 Accounts are inaccurately coded as open collections despite being disputed.

Demand : Permanent deletion of all listed collection accounts. 
________________________________________ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX via Dealer, XXXX, XXXX XXXX, XXXX, etc. ( all XXXX ) Violations : FCRA XXXX No permissible purpose established. 
XXXX XXXX Inquiries must be coded correctly, yet these remain as damaging hard pulls. 
Demand : Immediate removal of all unauthorized inquiries. 
________________________________________ XXXX. Negative Closed Accounts Misreported Data Examples include : XXXX XXXX XXXX ( Closed XXXX ) XXXX ( Closed XXXX ) XXXX XXXX ( Closed XXXX but still listed ) Capital XXXX Bank ( Closed XXXX ) Violations : FCRA 607 ( b ) Requires maximum accuracy. These accounts are obsolete or misreported.

FCRA 609 & 611 I am entitled to method of verification, which has not been provided.

Demand : Permanent deletion of these closed/obsolete accounts.

________________________________________ 5. All Other Negative Information Any remaining derogatory tradelines, late payments, or disputed notations not specifically listed above are likewise unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ). 
________________________________________ FINAL NOTICE If Equifax does not delete the above negative items within 15 days, I will : XXXX. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), FTC, and Tennessee Attorney General. 
XXXX. Pursue legal action for willful non-compliance under FCRA 616, including statutory damages, attorneys fees, and punitive damages. 
I demand written confirmation that all negative information has been permanently deleted.

Company response to consumer: Closed with non-monetary relief