Consumer complaint received 2025-06-23 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 Re : Dispute of Inaccurate Credit Report InformationConsumer Name : My name SSN : XXXXAccount Number : [ Account # XXXX ] Original Creditor : XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX Dear [ Credit Bureau Name ], Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am formally disputing the accuracy of the above-referenced account appearing on my credit report. This account, reported by the XXXX XXXXXXXX XXXX, contains multiple inaccuracies, violates XXXX XXXX compliance standards, and infringes upon my consumer rights under the FCRA, Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. I demand a thorough investigation, permanent deletion of the inaccurate information, and compensation for the damages caused by these violations. I am exercising my rights Without Prejudice under UCC 1-308, reserving all legal remedies.

Inaccuracies and Violations The following inaccuracies and violations are present in the reporting of this account : 1. Incorrect Personal Information ( Violation of 15 U.S.C. 1681e ( b ) ) * My address is listed as XXXX XXXX XXXX XXXX, XXXX, TX XXXX, but I have reason to believe this may not reflect my current or accurate address as reported by the furnisher. 
* My phone number, ( XXXX ) XXXX, is outdated or incorrect. 
* Under 15 U.S.C. 1681e ( b ), credit reporting agencies ( CRAs ) must maintain reasonable procedures to ensure maximum possible accuracy. Failure to verify and correct my personal information constitutes a violation.

2. Inaccurate Account Information ( Violation of XXXX XXXX and 15 U.S.C. 1681s-2 ( b ) ) * Account Status : The account is reported as Paid in full/was a collection with a balance of {$0.00}, yet it remains a negative item estimated to be removed in XX/XX/XXXX. This is misleading and violates XXXX XXXX guidelines, which require accurate status codes ( e.g., Code 13 for paid accounts with no derogatory history post-payment ).

* Date of First Delinquency ( DOFD ) : The DOFD is not explicitly reported, but the accounts negative status implies a delinquency. If the DOFD is incorrect or unreported, this violates 15 U.S.C. 1681c ( c ) ( 1 ), which mandates accurate reporting of obsolescence periods. Based on the Date Opened ( XX/XX/XXXX ) and Date Closed ( XX/XX/XXXX ), the DOFD must be verified to ensure compliance with the seven-year reporting limit.

* Role Misreported : The furnisher failed to accurately report my role under XXXX XXXX ( e.g., debtor, co-debtor, or other ). FCRA 1681e ( b ) and XXXX XXXX standards require precise role designation to prevent misleading reporting. 
* Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation, review all dispute information, and delete or correct unverified data. Failure to comply warrants deletion.

3. e-OSCAR Violations and Wire Fraud ( 18 U.S.C . 1343 ) * The furnisher and/or CRA uploaded false or misleading data to my credit file via e-OSCAR, an electronic system used for credit reporting. Communicating inaccurate or unverified information electronically constitutes wire fraud under 18 U.S.C. 1343, as it involves interstate transmission of false data with intent to harm my creditworthiness. 
* Case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), establishes that CRAs must follow reasonable procedures to correct inaccuracies reported via automated systems like e-OSCAR.

4. Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) * CRAs are required to conduct a reasonable investigation within 30 days of a dispute. Prior disputes, if any, may have been inadequately investigated, as the account remains inaccurate. Failure to delete unverified information violates FCRA 1681i ( a ) ( 5 ) ( A ). 
* The furnisher, XXXX XXXX XXXXXXXX , must review all relevant information provided in this dispute and delete or correct any unverifiable data, per 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ).

5. FDCPA Violations ( 15 U.S.C. 1692e ) * If the furnisher is acting as a debt collector, reporting a paid account as negative without clear validation violates FDCPA 1692e ( 8 ), which prohibits communicating false credit information. 
* Case law, such as XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), reinforces that debt collectors must verify debts before reporting them. 
6. Estimated Removal Date Misreported * The account is estimated to be removed in XX/XX/XXXX, which may not align with the seven-year obsolescence period under 15 U.S.C. 1681c. Without a verified DOFD, this projection is speculative and misleading, violating FCRA accuracy standards.

Demands Based on the above violations, I demand the following : 1. Permanent Deletion : Immediately delete the XXXX XXXX XXXXXXXX account ( # XXXX ) from my credit report due to unverifiable and inaccurate information, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

2. Compensation : I seek statutory damages of {$1000.00} per FCRA violation under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), actual damages for harm to my creditworthiness, and punitive damages for willful noncompliance, as supported by XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX ). FDCPA violations, if applicable, warrant an additional {$1000.00} under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ).

3. Correct Personal Information : Update my address and phone number to reflect accurate information, per 15 U.S.C. 1681e ( b ).

4. Investigation Results : Provide written results of your investigation, including all communications with the furnisher, within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

5. Cease Electronic Misreporting : Cease transmitting false data via e-OSCAR, as it constitutes wire fraud under 18 U.S.C. 1343.

Legal Notice Failure to comply with FCRA and FDCPA requirements will result in legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a private lawsuit for willful noncompliance. I reserve the right to seek attorneys fees and costs under 15 U.S.C. 1681n ( a ) ( 3 ). Additionally, continued electronic transmission of false data may prompt a criminal complaint for wire fraud under 18 U.S.C. 1343.

Company response to consumer: Closed with explanation