Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, CA 90701 Year of Birth : XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested Equifax Information Services LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, GA XXXX Subject : RE : IMMEDIATE STATUTORY DISPUTE AND DEMAND FOR DELETION XXXX XXXX XXXX Acct XXXX No. XXXX XXXX XXXX XXXX ( VIN XXXX ) Dear Disputes Department : I dispute the XXXX XXXX XXXX tradeline identified above. It is inaccurate and unverifiable because the obligation is commercial ( XXXX XXXXXXXX XXXX XXXX ) with no personal guaranty, yet it appears on my consumer credit file as if I were personally liable. Conduct a reasonable reinvestigation and delete the tradeline. 

Evidence ( Exhibits AF ) Contract : XXXX XXXXXXXX XXXX XXXX named as buyer/obligor ; my signature block is Authorized Representative ; no personal guaranty language appears. 

XXXX : Vehicle is titled/registered to XXXX XXXXXXXX XXXX XXXX XXXX 

Repossession : Notice dated XX/XX/XXXX. 

Auction/Deficiency : Letter dated XX/XX/XXXX. 

Business-addressed notices : Billing/repo/sale correspondence addressed to XXXX  XXXX XXXX XXXX ( not to me individually XXXX. 

ID & Address proofs : Government ID and bank/utility letter. 

Legal Authority 15 U.S.C. 1681e ( b ) CRAs must assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Reasonable reinvestigation within XXXX days. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Delete or modify if inaccurate or can not be verified.

15 U.S.C. 1681i ( a ) ( 7 ) Provide Method of Verification ( furnisher identity/contact and procedures used ).

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion procedures/notice.

15 U.S.C. 1681i ( d ) Notify prior recipients upon my request.

15 U.S.C. 1681g ( a ) Full file disclosure of all data sources.

Furnisher duties : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), ( a ) ( 3 ), ( a ) ( 5 ), ( b ) ( 1 ) ( A ) ( E ). 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRA can not parrot the furnisher. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inadequate reinvestigation violates XXXX. 

XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnisher XXXX ( b ) duties. 

XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to mark as disputed can be misleading. 

XXXX XXXX / e-OSCAR Handling Instructions Compliance Condition Code XB : Mark the tradeline under reinvestigation during the dispute. 

XXXX ( Base Segment Field XXXX reference ) : Provide/confirm the Date of First Delinquency ; no re-aging. 

Payment History Profile ( monthly codes ) : After charge-off/repo, do not advance rolling lates inconsistent with status. 

Scheduled Monthly Payment Amount ( Field XXXX ) : Do not report non-zero if XXXXnapplicable post-CO/closed . 

Amount Past Due ( XXXX XXXX ) : Remove any phantom past-due once closed/CO or transferred to recovery unless contractually and temporally accurate. 

XXXX/Responsibility : Do not show consumer liability ( Individual/Joint/Co-maker/Co-signer ) absent a documented personal guaranty ; if liability can not be validated, delete.

Account/Portfolio mapping : A commercial, no-PG obligation does not belong on a consumer file. 


Not his/hers belongs to business entity ( XXXX XXXXXXXX XXXX XXXX ) XXXX no personal guaranty. Contract excerpt shows XXXX Buyers Signature lines with no Guarantor label ; dealer signs separately as Authorized Signer. Holder-rule clause states it does not apply if purchased for business. Audit trail proves signing but not capacity. Absent a signed personal guaranty/RISC page showing consumer liability, delete. Also correct XXXX XXXX ( XXXX XXXX XXXX ; no phantom past-due after CO ; XXXX no rolling lates ) .Demanded Actions A. Deletion : Delete the XXXX FS tradeline under 1681i ( a ) ( 5 ) ( A ) unless you can verify consumer liability with a signed personal guaranty and produce fully accurate Metro XXXX elements XXXX 
XXXX MOV : Provide a Method of Verification under 1681i ( a ) ( 7 ) naming the furnisher contact ( name/department/phone ) and describing the procedures ; include all documents relied upon. 
XXXX XXXXXXXX XXXX XXXX : Confirm XB during reinvestigation and correct any consumer-liability coding. 
XXXX Reinsertion/Notices : For any future reinsertion, comply with 1681i ( a ) ( 5 ) ( B ) and, upon my request, notify prior recipients under 1681i ( d ). 

Enclosures ( XXXX ) : Exhibit A ( Contract : XXXX buyer ; Authorized Rep ; no PG ) ; Exhibit B ( DMV/Title ) ; Exhibit C ( XXXX XX/XX/XXXX ) ; Exhibit D ( Auction/Deficiency XX/XX/XXXX ) ; Exhibit XXXX ( Business-addressed notices to LLC ) ; Exhibit F ( ID & Address proofs ). 

Sincerely, [ Handwritten Signature ] XXXX XXXX A copy of this dispute, with exhibits, was served on XXXX XXXX XXXX XXXX XXXX XXXX ( Credit Reporting ) at : XXXX XXXX XXXX, XXXX, OH XXXX ; XXXX XXXX XXXX, XXXX, OH XXXX ; XXXX City XXXX XXXX XXXX XXXX, OH XXXX. 

Legal Basis ( Title 15 U.S.C. ) : FCRA ( 15 U.S.C. 1681 et seq. ) incl. 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 611 ( a ) ( 5 ), 623 ( a ) ( 5 ) ; FDCPA ( 15 U.S.C. 1692 et seq. ) ; GLBA ( 15 U.S.C. 68016809 ).

Product : Credit reporting ( consumer report ) Issue : Incorrect information on report ; improper handling of dispute ; commercial account reported to a consumer file without a personal guaranty. 

What happened XXXX XXXX XXXX is reporting a charged-off auto loan on my consumer credit file even though the contract/DMV show the obligation belongs to XXXX  XXXX XXXX XXXX and I signed as Authorized Representative with no personal guaranty. My file shows the tradeline as charged off with a past-due amount carried post-charge-off, and prior dispute handling has not addressed my evidence. 

What would be a fair resolution Require Equifax to delete unless XXXX produces a signed personal guaranty and correct XXXX XXXX reporting ( DOFD ; XXXX monthly codes ; Field XXXX scheduled payment where applicable ; Field XXXX amount past due ; XXXX ). 

Require Equifax to provide a complete Method of Verification and certify the procedures used. 

Require XXXX to comply with 1681s-2 ( b ) ( investigate, correct, and report results to CRAs ).

If reinserted, require Equifax to follow 1681i ( a ) ( 5 ) ( B ) and, upon request, notify prior recipients under 1681i ( d ).

Attachments/Exhibits : AG as listed in the letter. 

XXXX XXXX XXXX ( FCRA 623 / 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX A, XXXX, CA XXXX XXXX : XX/XX/XXXX Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Addresses for service : XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, XXXX, OH XXXX ; XXXX City XXXX XXXX XXXX XXXX, OH XXXX. 

Re : Direct Furnisher Demand Acct. XXXX XXXX XXXX XXXX ( VIN XXXX ) I dispute your reporting of the above account as a consumer obligation. The contract and XXXX show a commercial obligation of XXXX  XXXX XXXX XXXX with no personal guaranty. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), ( a ) ( 3 ), ( a ) ( 5 ), ( b ) ( 1 ) ( A ) ( E ) you must investigate, review all relevant information, correct or delete, and report results to the CRAs. 

Demand ( XXXX  days ) : ( XXXX ) Produce documentary proof of a signed personal guaranty or consumer credit application establishing personal liability and furnish fully accurate XXXX XXXX elements ( XXXX ; Payment History Profile monthly codes ; XXXX XXXX scheduled payment where applicable ; Field XXXX amount past due ; correct ECOA/Responsibility ). Or ( XXXX ) Request deletion of the tradeline from all CRAs. 
During reinvestigation, ensure XB dispute coding and remove any phantom past-due reporting post-charge-off. Non-compliance will be documented for CFPB escalation and potential private action.ECOA/Responsibility coding : Do not code as Individual/Joint/Co-maker/Co-signer without a signed personal guaranty . A commercial, no-PG obligation does not belong on a consumer file ( FCRA 1681e ( b ) ; delete if unverifiable under 1681i ( a ) ( 5 ) ( A ) ). 

XB during reinvestigation ; XXXX confirmed ( no re-aging ) ; Field XXXX ( Scheduled Payment ) non-zero only if applicable ; Field XXXX ( Amount Past Due ) no phantom past-due post-CO/closed XXXX XXXX monthly codes must not show rolling lates after charge-off/repo. 

To XXXX ( furnisher XXXX ( b ) ) : request these exact documents or delete The XXXX face page that shows the printed names aligned to each buyer signature line ( Buyer / Co-Buyer / Guarantor ). 

Any Personal Guaranty clause or consumer credit application naming XXXX as personally liable. 

Any guaranty addendum or riders altering capacity. 

If none exist, withdraw/cease furnishing consumer-liability coding and request deletion at all CRAs. 
Enclosures : Exhibits AG ( same as CRA submission ).

Company response to consumer: Closed with non-monetary relief