Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
RE : Formal Dispute Under FCRA 611 / 623 / Metro 2 Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

Below are the disputed accounts with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. 
1. XXXX XXXX Opened XX/XX/XXXX XXXX : {$9800.00} This account is listed as a charged-off credit card, but lacks verified documentation from the original creditor supporting the accuracy of the tradeline. Reporting a charged-off debt without proper investigation or itemization violates FCRA 623 and Metro 2 XXXX reporting fields. 
2. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$5400.00} The reporting of a charge-off by XXXX XXXX lacks itemized XXXX XXXX, which is a material omission and constitutes an incomplete report under FCRA 607 ( b ). No notice of charge-off was issued, violating FCRA 623 ( a ) ( 7 ). 
3. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX A XXXX late mark was recorded without evidence of mailed billing statements or a payment schedule under XXXX XXXX XXXX This violates FCRA 623 ( a ) ( 1 ) ( A ) for reporting information not confirmed to be accurate. 
4. XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$2000.00} This secured card was charged off, yet no collateral information or post-default communication was provided. This constitutes incomplete and unverifiable data under FCRA 611 ( a ) and Metro 2 guidelines. 
5. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$330.00} There is no documented validation that a proper notice of charge-off was sent to me. Furthermore, the monthly balance history contradicts Metro 2 standards for charge-offs. 
6. XXXX XXXX XXXX Opened XX/XX/XXXX There are multiple late marks up to 60 days reported, but no late fee assessments or billing proof were provided, violating FCRA 623 ( a ) ( 1 ) ( D ). This is an example of unverifiable derogatory reporting. 
7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$200.00} This collection is invalid without a signed service agreement or proof of contractual obligation. It violates FDCPA 809 ( b ) and FCRA 609 ( a ) ( 1 ). 
8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX : {$1700.00} XXXX has a pattern of purchasing unverifiable debts, and no validation of ownership or right to collect has been provided. Reporting under a debt not verified constitutes a violation under 15 U.S.C. 1692g and FCRA 623 ( b ). 
9. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX : {$2000.00} This account was listed as a collection without validation or assignment letter from XXXX XXXX. Under the CFPBs XXXX XXXX XXXX against XXXX, they are forbidden from reporting unverifiable debts. 
10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Opened XX/XX/XXXX Balance : {$670.00} This entry lacks validation and contract from the original creditor and should be removed under CFPB XXXX XXXX XXXX. Reporting without sufficient evidence constitutes FCRA 623 ( a ) ( 5 ) violations. 
11. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$720.00} Spring Oaks has not provided any signed agreement or billing history. They are in violation of 15 U.S.C. 1692g and FCRA 609 ( a ).

12. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$290.00} This appears as a rental-related collection, yet no itemized billing or final notice was sent. Inaccurate debt age and status violate FCRA 607 ( b ). 
13. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$80.00} There is a XXXX late reported in XX/XX/XXXX without any mailed notice or payment breakdown. This violates FCRA 623 ( a ) ( 5 ) and Metro 2 code updates.

14. XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$6500.00} Multiple lates from XX/XX/XXXX to XX/XX/XXXX were reported, but no billing agreement or loan terms were disclosed. XXXX  is not a licensed lender, and reporting under a questionable installment agreement violates FCRA and UDAP. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} Reporting XXXX late marks on a XXXX balance violates FCRA 623 ( a ) ( 1 ) ( A ). Any delinquency for support must follow XXXX XXXX reporting standards.

Company response to consumer: Closed with non-monetary relief