Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Permanent Deletion of Inaccurate Accounts and Compensation for FCRA/FDCPA Violations To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and Metro 2 compliance standards, I am disputing the accuracy of the following accounts reported on my credit files with XXXX, XXXX, and Equifax. I demand a thorough investigation, correction, or permanent deletion of these accounts, as well as compensation for damages caused by inaccurate reporting and violations of federal law. I am reserving my rights Without Prejudice UCC 1-308. 
Account Information and Disputed Inaccuracies Below are the details of the accounts in question, as reported by your bureaus, with specific inaccuracies and violations : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Equifax ) XXXX Reported by : XXXX Equifax XXXX  Account Type : Revolving ( Charge Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), Collection/Chargeoff ( Equifax ) XXXX Date Opened : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( Equifax ) XXXX Balance : {$0.00} * High Credit : {$380.00} * Credit Limit XXXX {$210.00} ( XXXX  ), {$0.00} ( Equifax ) XXXX Payment Status : Collection/Chargeoff * Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Equifax ) * Comments XXXX Purchased by another lender, Charged off account ( XXXX ) ; Account transferred or sold ( Equifax ) * Date of Last Payment : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) * Two-Year XXXX History : Inconsistent reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ( Experian ) * Reported by : Experian * Account Type : Revolving ( Charge Account ) * Bureau Code : Individual * Account Status : Closed, XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX * Balance : {$0.00} * High Credit : {$0.00} * XXXX XXXX : {$210.00} * Payment Status : XXXX XXXX XXXX * Last Reported : XX/XX/XXXX * Comments : Purchased by another lender * Date of Last Payment : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXX * Two-Year Payment History : Inconsistent reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Specific Inaccuracies and Violations XXXX. Inaccurate Date of First Delinquency ( DOFD ) : The DOFD is not consistently reported across bureaus, violating 15 U.S.C. 1681c. The DOFD is critical for determining the obsolescence period under FCRA 605 ( a ). Inconsistent or missing DOFD data misleads creditors and consumers, causing harm to my creditworthiness. For example, XXXX and Equifax report conflicting dates of last activity ( XX/XX/XXXX vs. XX/XX/XXXX ), which suggests an incorrect DOFD or failure to update records. 
XXXX. Inconsistent Account Status and Payment History : The accounts are reported with conflicting statuses ( e.g., Derogatory, Closed, Collection/Chargeoff, Late XXXX Days ) across bureaus, violating FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. The two-year payment history shows discrepancies ( e.g., XXXX reports XXXX for some months, while Experian reports XXXX days late ), indicating non-compliance with XXXX XXXX XXXX ( e.g., inaccurate status codes, failure to update payment history ). 
XXXX. Failure to Verify or Delete Unverified Information : Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation, review all dispute information, and delete or correct unverified data. The inconsistent reporting of credit limits ( {$210.00} vs. {$0.00} ), high credit amounts ( {$380.00} vs. {$0.00} ), and comments ( e.g., Purchased by another lender vs. Charged off account ) suggests furnishers failed to verify the accuracy of this information through the e-OSCAR system. 
XXXX. Wire Fraud Allegation : Transmitting misleading or false data through the e-OSCAR system constitutes wire fraud under 18 U.S.C. 1343, as it involves intentional communication of inaccurate information across state lines to deprive me of my right to an accurate credit report. 
XXXX. Non-Compliance with XXXX XXXX Standards : The accounts fail to accurately report my role ( e.g., individual account holder ) and other mandatory fields under XXXX XXXX guidelines, such as consistent DOFD, payment status, and account status codes. This violates FCRA 1681e ( b ) and OCRA requirements for standardized reporting. 
XXXX. FDCPA Violations : The reporting of these accounts as XXXX or XXXX XXXX Days without proper validation violates 15 U.S.C. 1692g, which requires debt collectors to validate debts upon request. I have not received proper validation, and the continued reporting of these accounts is deceptive and unfair under FDCPA 1692e. 
Relevant Case Law * XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) : The court held that credit reporting agencies must follow reasonable procedures to ensure accuracy under FCRA 1681e ( b ). Failure to correct inaccurate information after notice constitutes a willful violation. 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Furnishers must conduct meaningful investigations under FCRA 1681s-2 ( b ). Reporting inconsistent or unverified data is a violation. 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Inaccurate reporting causing harm to a consumers creditworthiness entitles them to damages under FCRA 1681o ( negligent violations ) or 1681n ( willful violations ).

Requested Actions Under 15 U.S.C. 1681i ( a ), I demand the following : XXXX. Permanent Deletion : Remove the above accounts from my credit files due to their unverifiable and inaccurate nature. 
XXXX. Full Investigation : Conduct a thorough investigation, including contacting the furnishers and reviewing all relevant documentation. Provide me with the results of the investigation, as required by FCRA 1681i ( a ) ( 6 ). 
XXXX. XXXX XXXX XXXX Reporting : Ensure all furnishers update their records to comply with XXXX XXXX standards, including accurate DOFD, account status, and payment history. 
XXXX. Compensation for Damages : I am seeking compensation for statutory and actual damages under FCRA 1681n and 1681o for emotional distress, loss of credit opportunities, and financial harm caused by inaccurate reporting. Additionally, I reserve the right to pursue punitive damages for willful violations. 
XXXX. Cease and Desist : Cease reporting these accounts to third parties until inaccuracies are resolved, as continued reporting violates FDCPA 1692e. 
Supporting Documentation I have enclosed the following to support my dispute : * Copy of my government-issued ID * Proof of address ( utility bill ) * Copies of my credit reports from TransUnion, Experian, and Equifax highlighting disputed accounts Timeframe for Response Under FCRA 1681i ( a ) ( 1 ), you are required to complete your investigation and respond within 30 days of receiving this dispute. Failure to comply may result in legal action for violations of the FCRA, FDCPA, and other applicable laws.

Reservation of Rights I reserve all rights under UCC 1-308 and will pursue all available remedies, including litigation, if these inaccuracies are not corrected or deleted. I also reserve the right to report violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies.

Company response to consumer: Closed with non-monetary relief