Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX Email : XXXX Date : [ Insert Date ] To : Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against Equifax for Inaccurate and Non-Compliant Reporting XXXX XXXX XXXX Dear CFPB, I am filing this complaint against Equifax Information Services LLC for reporting a collection account from XXXX XXXX XXXX on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting standards. 

Account Information in Dispute : Creditor : XXXX XXXX XXXX Balance : {$450.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : Not Listed Responsibility : Individual Reasons for Dispute : XXXX. No Prior Notice / Inconsistent Reporting Timeline This account never appeared on my Equifax report previously. It suddenly appeared in XX/XX/XXXX without proper notice or documentation. This violates FCRA 1681c ( a ) and 1681i, which require accuracy and a reinvestigation if a consumer disputes an item.

2. Violation of Metro 2 Guidelines Data Field Inaccuracies Metro 2 compliance requires specific, standardized fields to be populate
d accurately and consistently for a collection account. This reporting fails in several areas : Field 25 ( Original Creditor Name ) is left blank, violating Metro 2 standards requiring the furnishing of the original source of the debt.

Field 17A ( Account Type ) is also blank or listed as No Info this must be accurately coded to reflect the type of debt.

Field 17B ( Compliance Condition Code ) is missing. If the account is disputed or unverified, this field must reflect that status. 
Open Date ( Field XXXX ) is listed as XX/XX/XXXX, yet it was only reported on XX/XX/XXXX, raising red flags regarding retroactive and inaccurate reporting. 
Date of First Delinquency ( DOFD ) is not reported required under Metro 2 to calculate reporting duration and statute of limitations. 
Account Status & Payment History : There is no breakdown or reporting of monthly history or status progression, a required element under Metro 2.

3. No Validation or Verification of Debt Under FCRA 1681e ( b ), Equifax must take reasonable steps to ensure maximum possible accuracy. Reporting a collection account with missing, unverifiable, or incomplete information without validation is a breach of this duty. 
XXXX. Potential Re-aging of Account The absence of a reported Date of First Delinquency ( DOFD ) suggests possible re-aging of the debt, which is illegal under FCRA 623 ( a ) ( 5 ) and Metro 2. This manipulates the statute of limitations for credit reporting and misrepresents the age of the debt.

Requested Action : I am requesting the CFPB to : Investigate Equifaxs reporting procedures regarding this account.

Require Equifax to provide full Metro 2-compliant documentation and the original signed contract or validation from XXXX XXXX XXXX XXXX 
XXXX Equifax to delete this account if it can not be 100 % verified and corrected in full compliance with FCRA and Metro 2 standards. 

I have attached a screenshot of the XXXX XXXX report showing how the account is currently listed and a copy of my ID. 

Thank you for your time and assistance. I look forward to a full investigation and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief