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/XXXX Re : Dispute of Inaccurate Information on Credit Report Account Number : XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX Furnisher : XXXX XXXX XXXX SSN : [ Your SSN ] Date of Birth : [ XXXX ] Subject : Formal Dispute Under FCRA, FDCPA, and Metro 2 Compliance Demand for Permanent Deletion and Compensation Dear TXXXX XXXX XXXX and Equifax, I am writing to formally dispute the inaccurate and unverifiable information reported by XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports, as required under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ). The reported data violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Metro 2 guidelines, and the Office of the Comptroller of the Currency ( OCC ) regulations. I demand the immediate investigation, correction, and permanent deletion of this account from all credit files, along with compensation for damages caused by the inaccurate reporting, pursuant to 15 U.S.C. 1681n and 1681o.

Identified Inaccuracies and Violations 1. Inaccurate Date of First Delinquency ( DOFD ) : Issue : The Date of First Delinquency ( DOFD ) is not consistently or accurately reported across the three bureaus. XXXX reports no DOFD, while XXXX and Equifax list XX/XX/XXXX, which is inconsistent with the account status and payment history. 
Violation : This violates 15 U.S.C. 1681c, which mandates accurate reporting of delinquency dates to ensure proper obsolescence periods. Metro 2 guidelines ( Field 35 Date of First Delinquency ) require furnishers to report a valid DOFD when an account is placed for collection or charged off. Failure to report or reporting an inaccurate DOFD misleads consumers and creditors.

Case Law : In Seamans v. Temple Univ., 744 F.3d 853 ( 3
d Cir. 2014 ), the court held that inaccurate reporting of delinquency dates violates FCRAs requirement for reasonable procedures to ensure accuracy under 15 U.S.C. 1681e ( b ).

2. Inconsistent Account Status and Reporting Dates : Issue : XXXX reports a Last Reported date of XX/XX/XXXX, while XXXX  and Equifax report XX/XX/XXXX. Additionally, the Date Last Active and Date of Last Payment are either missing or inconsistent, with XXXX reporting XX/XX/XXXX, for Date Last Active and no payment date, while XXXX and Equifax report XX/XX/XXXX, and XX/XX/XXXX, respectively. 
Violation : Metro 2 standards ( Field 17 Account Status ) require accurate and consistent status codes ( e.g., 97 for charged-off accounts or 64 for collection accounts ). Inconsistent or missing dates violate 15 U.S.C. 1681e ( b ), which mandates reasonable procedures to ensure maximum possible accuracy. Missing or inaccurate Date of Last Payment ( Metro 2 Field 31 ) and Date Last Active ( Field 25 ) further violate FCRAs accuracy requirements.

Case Law : In Dalton v. Capital Associated Indus.,
Inc. , 257 F.3d 409 ( 4th Cir. 2001 ), the court emphasized that furnishers must maintain accurate records to comply with FCRA.

3. Failure to Verify Debt or Conduct Reasonable Investigation : Issue : XXXX has not provided verifiable documentation to substantiate the debt, such as a signed contract, payment history, or proof of assignment from XXXX. The account lacks a complete two-year payment history, with missing or blank entries for multiple months across all bureaus.

Violation : Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation, review all dispute-related information, and delete unverifiable information. Failure to provide a complete payment history violates Metro 2 guidelines ( Field 24 Payment History Profile ). Additionally, under 15 U.S.C. 1692g of the FDCPA, debt collectors must validate debts upon consumer request.

Case Law : In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that furnishers must conduct meaningful investigations, not merely rely on internal records.

4. Misleading Comments and Derogatory Reporting : Issue : Equifaxs comment, Subject has not satisfied debt, is misleading and lacks substantiation, as no payment history or documentation supports this claim. The derogatory status Collection/Chargeoff is inconsistently reported across bureaus, with no clear evidence of charge-off or collection activity. 
Violation : This violates 15 U.S.C. 1681e ( b ) and Metro 2 guidelines ( Field 39 Special Comment ), which require accurate and non-misleading comments. Misleading statements also violate 15 U.S.C. 1692e of the FDCPA, prohibiting false or deceptive representations in debt collection.

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court held that misleading reporting of account status constitutes an FCRA violation.

5. Potential Wire Fraud via e-OSCAR System : Issue : XXXX transmission of inaccurate or unverifiable data through the e-OSCAR system to credit bureaus constitutes the electronic communication of false information for financial gain. 
Violation : This may violate 18 U.S.C. 1343 ( Wire Fraud ), which prohibits transmitting false or fraudulent information by wire for the purpose of executing a scheme to defraud. The e-OSCAR system, as an electronic platform, falls under this statute when used to perpetuate inaccurate credit reporting.

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court upheld wire fraud convictions for electronic transmission of false financial data. 
XXXX. Non-Compliance with Metro 2 Role Reporting : Issue : The account does not accurately reflect XXXX  role as a debt collector or XXXX role as the original creditor in compliance with Metro 2 guidelines ( Field 10 Creditor Classification ). 
Violation : Under 15 U.S.C. 1681e ( b ), furnishers must accurately report their role to avoid consumer confusion. Metro 2 requires clear identification of the furnishers role ( e.g., C for collection agency ). 
Requested Actions Pursuant to 15 U.S.C. 1681i ( a ), I demand the following : 1. Immediate Investigation : Conduct a thorough investigation of the XXXX Collection account ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, including a review of all documentation provided by XXXX and XXXX. 
XXXX. Permanent Deletion : Delete the account from my credit files across all three bureaus due to unverifiable and inaccurate information, as required under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ).

3. Correct Metro 2 Compliance : Ensure all fields ( DOFD, Account Status, Payment History, etc. ) comply with Metro 2 guidelines. 
XXXX. Cease Reporting : Instruct XXXX to cease reporting this account until all inaccuracies are corrected, per 15 U.S.C. 1681s-2 ( b ).

5. Compensation for Damages : Provide compensation for statutory and actual damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including emotional distress, financial harm, and costs incurred due to inaccurate reporting.

6. Written Response : Provide a detailed written response within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the results of the investigation and any corrective actions taken. 
Reservation of Rights I reserve all rights under UCC 1-308, without prejudice, and do not waive any protections under federal or state law. Failure to comply with this dispute within the statutory timeframe will result in further legal action, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential litigation for FCRA and FDCPA violations. 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 Automated Credit Dispute Verification ( ACDV ) 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 ( EquifaxXXXX XXXX XXXX ). 
Provide proof of verification compliant with FCRA 1681i ( a ) ( 2 ) if you claim the debt is valid.

Failure to comply within XXXX  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 OCRA-compliant ( Online Credit Repair Act principles ) to ensure fair and lawful treatment. Govern yourself accordingly. 
Sincerely,

Company response to consumer: Closed with non-monetary relief