Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Date : [ Insert Date ] * * To : * * Equifax Information Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, PA XXXX * * Via Certified Mail & Email * * * * Re : Formal Demand for Correction of Inaccurate Credit Reporting Under FCRA 609, 611, 623 and Metro 2 Compliance Standards * * Dear Credit Bureau, Under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, I hereby formally dispute inaccuracies, unverifiable information, and non-compliant reporting on my credit profile. The following items violate federal law, Metro 2 Compliance standards, and the Consumer Data Industry Associations guidelines. I demand immediate correction, deletion, or updating of all disputed entries to reflect * * 100 % payment accuracy * * and compliance with * * paid as agreed, never late * * statuses. 

-- - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputes & Required Actions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Derogatory Status XXXX XXXX XXXX  This account was * * closed on XX/XX/XXXX * *, yet it inaccurately reports Currently Late and XXXX Missed Payments as of XX/XX/XXXX. Post-closure derogatory reporting violates * * XXXX XXXX XXXX * * ( Account XXXX Codes ). 
- * * Payment History Errors * * : The XXXX ledger shows a Late mark in XX/XX/XXXX, conflicting with subsequent Current statuses. All payments were made * * on time * * ; failure to reflect this violates * * FCRA 623 ( a ) ( 5 ) * *.

- * * Demand * * : Update the account to Closed by Consumer and revise payment history to * * 100 % on-time * *, removing all late or derogatory remarks. 

XXXX. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified XXXX Missed Payments * * : No validation or documentation supports these claims. Per * * FCRA 611 ( a ) ( 1 ) ( A ) * *, unverifiable data must be deleted. 

XXXX. * * XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contradictory Reporting * * : Marked Currently On-Time yet lists XXXX Missed Payment. Correct to reflect * * XXXX missed payments * * and * * Paid as Agreed * * status. 

XXXX. * * Outdated Information * * : Remove all entries older than 7 years ( e.g., XXXX Unknown statuses ), per * * FCRA 605 ( a ) * *.

* * Legal Compliance Demands * * - * * FCRA 609 * * : Provide * * signed payment agreements * *, * * transactional records * *, and * * account-level documentation * * to substantiate disputed items. - * * FCRA 611 * * : Conduct a full reinvestigation via * * e-OSCAR * * within 30 days, ensuring furnishers comply with * * Metro 2 formatting * * ( e.g., correct Payment Profile Codes, Account Status Indicators ).

- * * FCRA 623 * * : Direct furnishers to reconcile discrepancies and certify the accuracy of all data. 

* * Failure to resolve these violations will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies for willful non-compliance. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation