Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate/Unverifiable Negative Accounts Demand for Permanent Deletion, Inquiry Removal, and Human Review Dear Equifax XXXX XXXX am formally disputing multiple negative accounts and a hard inquiry currently appearing on my Equifax credit report. These accounts are inaccurate, incomplete, and/or unverifiable. Their continued reporting violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the HIPAA Privacy Rule, and industry Metro 2 standards.

These false derogatories have lowered my credit score, caused credit denials, increased my cost of borrowing, and interfered with housing/employment opportunities. The stress and harm caused are unacceptable.

Global Legal Basis FCRA 607 ( b ) : CRAs must assure maximum possible accuracy.

FCRA 611 ( a ) : CRAs must reinvestigate and delete unverifiable information.

FCRA 623 ( b ) : Furnishers must affirmatively verify or delete disputed data.

FDCPA 809 : Debt collectors must provide validation before reporting/collecting.

HIPAA Privacy Rule : Limits unnecessary medical disclosures in credit files.

Metro 2 Standards ( CDIA ) : Require correct coding of DOFD ( Field 25 ), Account Status ( Field 17 ), and active Dispute Indicator ( Field 35 ). 

Itemized Disputes Equifax XXXX XXXX XXXX  XXXX, Charged-off Factual Dispute : Status contradictory ( closed vs. charged-off ) ; balance unverified ; DOFD missing. 

Metro 2 : Field 25 missing ; Status Code miscoded ; dispute flag absent. 

Consumer Law : Violates FCRA 1681e ( b ), 1681i. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX XXXX, Charged-off Factual Dispute : Balance exceeds credit limit ; DOFD not reported ; no validation provided. 

Metro 2 : Missing DOFD ; inconsistent charge-off coding ; dispute flag not applied. 

Consumer Law : Violates FCRA 1681e ( b ), 1681i. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX XXXX Collection ( Debt Buyer ; Original Creditor : XXXX XXXX XXXX  XXXX. ) Factual Dispute : No chain of title or validation provided ; balance unverifiable. 

Metro 2 : DOFD missing ; incorrect status coding ; no dispute flag. 

Consumer Law : FDCPA 809 violated ; FCRA 1681e ( b ), 1681i require deletion. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Factual Dispute : No lease/charges/statement provided; balance unverifiable. 

Metro 2 : DOFD not reported ; status inconsistent ; no XXXX condition code applied. 

Consumer Law : FDCPA 809 violated ; FCRA 1681e ( b ), 1681i. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX Collection ( Medical ; XXXXXXXX XXXX XXXX ) Factual Dispute : No validation or patient billing records provided ; provider disclosure improper.

Metro 2 : DOFD missing ; medical classification miscoded ; dispute flag absent.

Consumer Law : Violates FCRA, FDCPA, HIPAA. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ) Factual Dispute : No contract, lease, or validation provided; unverifiable. 

Metro 2 : DOFD missing ; improper status coding ; no dispute indicator.

Consumer Law : Violates FCRA 1681e ( b ), 1681i ; FDCPA 809.

Remedy : Permanent deletion + inquiry removal.

Additional Medical Collections Various Factual Dispute : No validation or itemization received ; balances unverifiable ; improper provider disclosures.

Metro 2 : DOFD not furnished ; improper coding ; no dispute flag. 

Consumer Law : Violates FCRA, FDCPA, HIPAA.

Remedy : Permanent deletion + inquiry removal.

Final Notice I contacted each furnisher directly more than 60 days ago. None could verify the accounts. If Equifax returns these items as verified through the e-OSCAR automated dispute system, this will confirm a non-human, non-compliant reinvestigation a violation of FCRA 611. 

XXXX XXXX XXXX deletion of all disputed accounts and unauthorized inquiries. 

Written acknowledgment and apology from Equifax. 

Confirmation that a human investigator, not only e-OSCAR, reviewed my dispute.

An updated copy of my corrected Equifax report.

Please respond within the 30-day FCRA timeframe with the results of your human-led reinvestigation. 

Sincerely, XXXX XXXX XXXX ( Signature ) Enclosures : Copy of government ID, proof of address, creditor correspondence

Company response to consumer: Closed with explanation