Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Dear Sir or Madam, Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of the above-referenced account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit reports with XXXX XXXX and Equifax. The account contains multiple inaccuracies and violations of FCRA, FDCPA, Metro 2 standards, and other applicable laws, as detailed below. I demand a thorough investigation, correction or permanent deletion of the account, and compensation for damages caused by inaccurate reporting. I invoke my rights under the Uniform Commercial Code ( UCC ) 1-308, reserving all rights without prejudice. 
Account Details Reported * Furnisher : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments : Collection account Inaccuracies and Violations 1. Incorrect Date of First Delinquency ( DOFD ) : The reported DOFD is inconsistent with the Date of Last Payment ( XX/XX/XXXX ) and Date Last Active ( XX/XX/XXXX ). Under 15 U.S.C. 1681c, the DOFD must accurately reflect the first date the account became delinquent and was not brought current. The reported Date Opened ( XX/XX/XXXX ) for a collection account suggests a discrepancy, as it does not align with the last payment or activity dates. This violates Metro 2 guidelines ( Field 22 : Date of First Delinquency ) and FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Inaccurate reporting of DOFD constitutes a material violation of FCRA. 
2. Improper Account Status and Payment History : The account is reported as Late 120 Days with a Derogatory status, yet the two-year payment history shows OK across all months for all three bureaus. This contradicts Metro 2 standards ( Field 17A : Account Status Code ) and FCRA 1681s-2 ( b ), which mandate accurate reporting of account status. Reporting a derogatory status while simultaneously showing no late payments is misleading and violates the FCRAs accuracy requirements.Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Furnishers must ensure accurate status codes to avoid FCRA liability.

3. Failure to Verify Debt Under FDCPA : Midland has not provided validation of the alleged debt despite prior requests, violating 15 U.S.C. 1692g ( b ) of the FDCPA. Continued reporting of an unverified debt constitutes a false or misleading representation under 15 U.S.C. 1692e.Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt collectors must cease collection activities, including credit reporting, until proper validation is provided. 
XXXX. Potential XXXX XXXX via XXXX : By transmitting inaccurate or unverified data through the e-OSCAR system, XXXX XXXX have engaged in wire fraud under 18 U.S.C. 1343, which prohibits transmitting false information via interstate electronic communications with intent to deceive. Reporting unverified or misleading data to credit bureaus through e-OSCAR violates FCRA 1681s-2 ( b ) and Metro 2 compliance standards.Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Misleading electronic communications can constitute wire fraud.

5. Failure to Conduct Reasonable Investigation : Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation of disputed information and delete or correct unverifiable data. Midlands continued reporting of inaccurate information suggests a failure to comply with this requirement. Similarly, under 15 U.S.C. 1681i ( a ), credit bureaus must reinvestigate disputes and delete unverifiable information within 30 days.Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishers must conduct meaningful investigations beyond merely relying on prior records.

6. Metro 2 Compliance Violations : XXXX XXXX XXXX ( Account Status ) : The Derogatory status conflicts with the OK payment history, violating Metro 2 guidelines for consistent reporting.

* Field 25 ( Condition Code ) : Failure to update the condition code to reflect dispute status ( e.g., XB for disputed accounts ) violates Metro 2 and FCRA 1681i ( a ). 
XXXX XXXX XXXX  Defective Role Reporting : The account does not accurately reflect XXXX role as a debt buyer ( not the original creditor ), violating FCRA 1681e ( b ) and Metro 2 guidelines ( Field 1 : Creditor Classification ).

Relief Requested 1. Permanent Deletion of the Account : Due to the aforementioned inaccuracies and violations, I demand the permanent deletion of this account from my credit reports with XXXX, XXXX, and Equifax, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), which requires deletion of information that can not be verified. 
2. Compensation for Damages : The inaccurate reporting has caused financial and emotional harm, including potential denial of credit and reputational damage. I seek compensatory damages under 15 U.S.C. 1681n for willful noncompliance with FCRA and 15 U.S.C. 1692k for FDCPA violations.Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate credit reporting can cause concrete harm, supporting claims for damages.

3. Cease and Desist Reporting : XXXX  must cease reporting this account until all inaccuracies are corrected and the debt is validated, per 15 U.S.C. 1692g ( b ).

Company response to consumer: Closed with non-monetary relief