Consumer complaint received 2025-09-28 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: NY

Complaint narrative:
Account dispute Dear Credit Reporting Agency, I am writing to formally dispute inaccurate information on my credit report that violates the Fair Credit Reporting Act ( FCRA ). 

# # # ACCOUNT IN DISPUTE : * * ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account contains * * inconsistent data elements * * across all three credit bureaus, which violates Metro 2 Format standards for data integrity and accuracy : * * Data Field Inconsistencies : * * - Date of Last Activity - * * Different on all 3 bureaus * * - Date Opened - * * Different on all 3 bureaus * * - Date Closed - * * Different on all 3 bureaus * * - Date of Last Payment - * * Different on all 3 bureaus * * - Payment History - * * Different on all 3 bureaus * * # # # LEGAL VIOLATIONS : * * 1. FCRA Section 623 ( a ) ( 1 ) - Accuracy Requirement ( 15 USC 1681s-2 ) * * The furnisher has violated their duty to provide accurate and complete information to credit reporting agencies.

* * 2. FCRA Section 611 Investigation Failure ( 15 USC 1681i ) * * Despite * * two separate investigations * *, the credit bureau failed to correct or delete inaccurate information.

* * 3. Metro 2 Format Violation - Data Integrity Standards * * Inconsistent reporting across bureaus violates industry-standard Metro 2 data formatting requirements designed to ensure accuracy.

Also I have documentation from the creditor dated * * XX/XX/year> * * stating : - The debt was * * charged off and sold * * - The new balance owed was * * {$0.00} * * - * * No payments were due * * This contradicts the continued negative reporting and proves the account should not appear on my credit report. 

# # # REINVESTIGATION DEMAND : Under Metro 2 compliance standards and FCRA Section 611 : 1. * * Immediate deletion * * is required when data fields are inconsistent across bureaus 1. The furnisher must provide * * standardized, accurate data * * or cease reporting 1. * * Method of verification * * must be disclosed per 15 USC 1681g # # # FAILURE TO INVESTIGATE PROPERLY : Your previous investigations were * * inadequate * * because : - Inconsistent data remains across all three bureaus - No correction of obviously contradictory information - No verification method provided - Furnisher documentation proves {$0.00} balance owed # # # DEMAND FOR IMMEDIATE DELETION : Based on : - * * Metro 2 compliance violations * * - * * Multiple FCRA violations * * - * * Creditors own documentation * * showing {$0.00} balance - * * Failed investigation and reinvestigation * * This account must be * * PERMANENTLY DELETED * * from my credit report immediately.

Continued reporting of this information subjects you to : - FCRA statutory damages under 15 USC 1681n - Willful violation penalties under 15 USC 1681o - Actual damages for continued harm # # # FINAL DEMAND : DELETE THIS ACCOUNT within * * 15 days * * of receipt of this letter. Send written confirmation of deletion to the address above. 
Failure to delete this account will result in formal complaints to regulatory agencies and potential legal action. 

Sincerely,

Company response to consumer: Closed with explanation