Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX  Re : Dispute of Inaccurate XXXX Account Information Consumer Name : NS Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Credit Reporting and Demand for Permanent Deletion and Compensation under FCRA, FDCPA, and Metro 2 Compliance Dear XXXX, XXXX, and Equifax, Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of the XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) reported on my credit files with your agencies. The information reported violates Metro 2 standards, FCRA, FDCPA, and contains multiple inaccuracies and status code violations. I demand a thorough investigation, correction, or permanent deletion of this account from my credit files, as well as compensation for damages caused by inaccurate reporting. Additionally, I reserve my rights under UCC 1-308 without prejudice. 
Inaccuracies and Violations Identified The following inaccuracies and violations are present in the reporting of the XXXX account across all three credit bureaus ( XXXX, XXXX, and Equifax ) : Inaccurate Date of First Delinquency ( DOFD ) : Violation : 15 U.S.C. 1681c requires accurate reporting of the DOFD. XXXX  reports the account as opened on XX/XX/XXXX, while XXXX  and Equifax report XX/XX/XXXX. This discrepancy indicates a failure to report a consistent and accurate DOFD, violating FCRA 1681e ( b ) and Metro 2 guidelines ( XXXX  XXXX Date of First Delinquency ). 
Case Law : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that furnishers must ensure accurate reporting of key dates to avoid misleading credit reports. 
Demand : Verify the correct DOFD with original creditor documentation. If unverifiable, delete the account per 15 U.S.C. 1681i ( a ) ( 5 ).

Inconsistent Account Type and Status Reporting : Violation : XXXX  reports the account as an Installment account with Telecommunications/Cellular detail, while XXXX  reports it as Unknown credit extension, review, or collection, and Equifax as Installment with a Collection status. These inconsistencies violate Metro 2 standards ( XXXX XXXX Account Type ) and FCRA 1681e ( b ), which require accurate and consistent account classification. 
Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized that furnishers must report accurate account types to avoid consumer harm. 
Demand : Provide documentation verifying the account type and role ( individual vs. collection ). If unverifiable, delete the account. 
Incorrect Payment Status and History : Violation : XXXX  reports a Late 120 Days status, while XXXX and Equifax report Collection/Chargeoff. The two-year payment history provided shows inconsistent statuses ( e.g., OK for some months, CO for others ) without clear documentation. This violates Metro 2 XXXX  XXXX ( Payment History Profile ) and FCRA 1681s-2 ( b ), which mandates accurate payment history reporting. 
Case Law : In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ), inaccurate payment status reporting was deemed a violation of FCRA, entitling the consumer to damages. 
Demand : Provide creditor records substantiating the payment history and status. If unverifiable, delete the account. 
Misleading Comments and Dispute Status : Violation : XXXX notes Account information disputed by consumer, meets FCRA requirements, while XXXX  and Equifax include conflicting comments like Customer disputed account reported by subscriber and Consumer disputes this account information. These vague and contradictory remarks fail to clarify the disputes resolution, violating FCRA 1681i ( a ) ( 4 ) and Metro 2 XXXX XXXX ( Compliance Condition Code ). 
Case Law : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), unclear dispute notations were found to mislead consumers and violate FCRA. 
Demand : Clarify the dispute status with precise documentation or delete the account. 
Potential Wire Fraud via e-OSCAR : Violation : The inconsistent and inaccurate data uploaded to my credit file via the e-OSCAR system constitutes the transmission of misleading information across state lines, potentially violating 18 U.S.C. 1343 ( Wire Fraud ). Furnishers and credit reporting agencies ( CRAs ) are responsible for ensuring data accuracy under 15 U.S.C. 1681s-2 ( b ).

Case Law : In United States v. Weimert, 819 F.3d 351 ( XXXX XXXX. XXXX ), the court upheld that transmitting misleading financial data electronically constitutes wire fraud. 
Demand : Provide proof of accurate data transmission via e-OSCAR or delete the account and investigate potential fraud. 
Failure to Conduct a Reasonable Investigation : Violation : Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation, review all dispute information, and correct or delete unverifiable data. The inconsistencies across bureaus suggest a failure to comply with this requirement.

Case Law : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX XXXX ), the court ruled that furnishers must conduct meaningful investigations to verify disputed information. 
Demand : Conduct a thorough investigation and provide all supporting documentation from the furnisher ( XXXX or its collection agency ). 
Metro 2 Compliance Issues The following Metro 2 fields are inaccurately reported : XXXX  XXXX ( Account Type ) : Inconsistent across bureaus ( Installment XXXX. Unknown ). 
XXXX  XXXX ( Payment History ) : Contradictory payment statuses ( OK vs. CO ). 
XXXX  XXXX ( Account Status ) : Incorrect and conflicting statuses ( Derogatory, Collection/Chargeoff , Late 120 Days ). 
XXXX  XXXX ( DOFD ) : Discrepant dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 
XXXX  XXXX ( Compliance Condition Code ) : Vague and non-compliant dispute remarks. 
These violations fail to meet the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 standards, which CRAs and furnishers must follow to ensure accurate reporting. 
FCRA and FDCPA Violations FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy, as evidenced by inconsistent account details and statuses. 
FCRA 1681i ( a ) : Failure to conduct a reasonable investigation and delete or correct unverifiable information within 30 days.

FCRA 1681s-2 ( b ) : Furnishers failure to verify disputed information or delete inaccurate data after receiving notice of dispute.

FDCPA 1692e : Reporting misleading or false information ( e.g., inaccurate balance, status, or DOFD ) by a furnisher acting as a debt collector.

FDCPA 1692f : Unfair practices in reporting a disputed account without proper verification, causing consumer harm. XX/XX/XXXX Subject : Cease and Desist All Communication Account # [ Account Number, if known ] Dear [ Creditor/Debt Collector Name ], Under the authority of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), I demand that you immediately cease all communication with me, including but not limited to phone calls, emails, text messages, letters, and credit reporting activities, regarding the alleged account referenced above. 
Your failure to properly verify the alleged debt, as required by FCRA 1681i and FDCPA 1692g, constitutes harassment and non-compliance with federal law. Pursuant to FDCPA 1692c ( c ), I hereby revoke any prior consent for communication. Any further contact or reporting of unverified information to credit reporting agencies violates FCRA 1681s-2 ( b ) and will be considered willful non-compliance, subjecting you to liability under FCRA 1681n and FDCPA 1692k.

This letter serves as a formal dispute under the FCRA and an XXXX XXXX XXXX XXXX ( XXXX ) request. You are required to : Cease all communication with me in any form. 
Remove any unverified or inaccurate information from my credit reports with all credit reporting agencies ( Equifax, XXXX, XXXX ). 
Provide proof of verification compliant with FCRA 1681i ( a ) ( 2 ) if you claim the debt is valid. 
Failure to comply within 30 days will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action for statutory damages. 
This notice is sent in good faith and is XXXX-compliant ( XXXX XXXX XXXX XXXX XXXX  ) to ensure fair and lawful treatment. Govern yourself accordingly. 
Sincerely,

Company response to consumer: Closed with non-monetary relief