Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
Consumer : XXXX XXXX Original Complaint Reference : XXXX Companies : Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Company Response : XX/XX/year> SUMMARY OF ISSUE This follow-up complaint is based on new evidence provided by XXXX XXXX XXXX on XX/XX/year> in response to my original dispute. The companys own documents confirm that neither XXXX  nor Equifax can lawfully verify the alleged account and that both parties are furnishing and publishing materially inaccurate, incomplete, and misclassified data in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

1. Failure to Provide Legally Sufficient Method of Verification ( XXXX & Equifax ) The attachment from Resurgent contains only generic XXXX billing statements for an alleged account. 

These do not establish XXXX XXXX XXXX lawful ownership or any legal right to collect or report it. 

No bill of sale or assignment agreement identifying the alleged account was provided. 

No original contract or signed application was produced. No full chain of title from any alleged original creditor to XXXX XXXX XXXX exists in the evidence. 

Equifax, as the consumer reporting agency ( CRA ), is required under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 7 ) to conduct a reasonable reinvestigation and provide the consumer with a full description of the verification process and evidence relied upon. By accepting Resurgents inadequate verification and continuing to publish the disputed tradeline, Equifax has failed to meet its reinvestigation duties and is complicit in the continued publication of unverified data. 

XXXX. Admission of Metro 2 Reporting Violations ( XXXX & Equifax ) XXXX response confirms that the disputed collection tradeline is being furnished with : Scheduled PaymentActual PaymentCredit Limit. Metro 2 guidelines from the XXXX XXXX XXXX XXXX ( XXXX ) state these fields are not applicable to collection accounts. Furnishing them misrepresents the nature and status of the alleged debt, violates FCRA 607 ( b ) ( maximum possible accuracy ), and results in misleading credit scoring and underwriting impacts.

Equifax, by publishing this Metro 2noncompliant data, is in violation of FCRA 607 ( b ) and knowingly reporting false, misclassified information. 

XXXX. Continued Reporting of Disputed and Unverified Information ( XXXX & Equifax ) XXXX explicitly states the tradeline will continue to report unless they receive new information, despite the pending dispute and their inability to produce legal proof of ownership. 

This is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) ( Resurgent ) for furnishing information known to be inaccurate.It is also a violation of FCRA 611 ( a ) ( 5 ) ( A ) ( Equifax ) for failing to delete unverifiable information within the statutory time period.

4. Lack of IRS 1099-C Disclosure The reported balance exceeds {$600.00}, yet no IRS Form 1099-C has been provided to indicate whether the alleged debt has been canceled or forgiven. If canceled, continuing to report a balance is misleading and may constitute tax-related misrepresentation. 

RELIEF REQUESTED Given the companies own admissions and failure to comply with FCRA and Metro 2 requirements : Permanently delete the disputed tradeline from Equifaxs credit report for XXXX XXXX. 

Require XXXX to produce full chain of title documentation from the alleged original creditor to XXXX XXXX XXXX XXXX or confirm they can not do so. 

Compel Equifax to cease publishing Metro 2noncompliant data on any consumer file.
Investigate both XXXX and Equifax for systemic violations of FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 7 ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ).

This is a non-frivolous, evidence-based dispute supported by the companys own XX/XX/year> response. 

The continued furnishing and publication of unverifiable, materially inaccurate data causes significant harm to the consumers creditworthiness and must be corrected immediately.

Company response to consumer: Closed with explanation