Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This letter is my final demand for the permanent deletion of the XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) from my credit file. I have disputed this matter multiple times, provided supporting documentation, and escalated it through the Consumer Financial Protection Bureau ( CFPB Complaints # XXXX and # XXXX ). Despite these efforts, the account continues to report with unresolved inaccuracies and contradictions. 

The TOWER LOAN account is being reported in direct violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). The tradeline is simultaneously coded as a collection account, a charge-off, and a paid account. For example, Equifax reports 120 days late and collection account/paid collection, while TransUnion reports charge-off/collection and payment after charge-off/collection. Metro 2 guidelines strictly prohibit dual or contradictory statuses ; each tradeline must reflect one accurate and consistent status. 

Additionally, the balance is reported as {$0.00} while derogatory notations remain. Reporting a XXXX balance with derogatory coding misrepresents the true status of the account and artificially inflates the negative impact on my credit profile. Payment history fields also conflict with the reported account closure and balance, which constitutes another Metro 2 violation. No original contract, billing records, or signed agreement have been provided despite repeated requests.

These reporting practices violate the following provisions of the FCRA : 15 USC 1681e ( b ) : Bureaus must follow reasonable procedures to assure maximum possible accuracy. Reporting dual statuses and inconsistent fields violates this requirement. 

15 USC 1681i ( a ) : Bureaus must complete reinvestigations within 30 days. More than 35 days have passed, and no valid reinvestigation results have been provided.

15 USC 1681i ( a ) ( 7 ) : No Method of Verification has been produced. I have not received a signed contract, billing statements, or original application. Verification by automated third-party data parroting does not satisfy statutory requirements.

15 USC 1681n and 1681o : Continued reporting after multiple disputes and CFPB escalation constitutes willful and negligent non-compliance, exposing your organization to statutory damages. 

On XX/XX/year>, I filed CFPB complaints against both Equifax and TransUnion. The CFPB forwarded these complaints to your offices. Both complaints remain open and unresolved. Your interim responses acknowledged receipt but failed to provide verification or corrections. This demonstrates that statutory timelines have been exceeded and obligations under FCRA 611 ( a ) have not been met. 

This is my final demand for the permanent deletion of the XXXX XXXX account from all of my credit reports. If you can not produce original source documentation to prove lawful reporting, the account must be removed immediately. 

I demand : Written confirmation of the permanent deletion within 15 days. 

XXXX that the account will not be reinserted without full compliance with FCRA 611 ( a ) ( 5 ) ( B ).

Failure to comply will result in additional escalation, including further CFPB action, a complaint to my state attorney general, and civil remedies available under 15 USC 1681n and 1681o. You have had multiple opportunities to correct these errors. At this stage, your continued reporting of inaccurate and unverifiable information is indefensible.

Company response to consumer: Closed with explanation