Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute and contest the accuracy and compliance of certain information reported on my credit file. I understand that creditors are required by law to document and validate the information included in my credit report before using or furnishing it. I am confident that the allegations of delinquency and derogatory status associated with my accounts are inaccurate, and I hereby request supporting evidence that justifies the reported negative items. 

Specifically, I request proof of a permissible purpose for the inquiry or account that appears in my report. One particular accounta student loanshows as open, yet the reported balance is inaccurate. I ask : Where is your proof? Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to ensure data is complete and accurate. If the reported balance can not be matched to the actual amount oweddown to the exact dollarthen the information being reported is not only misleading but unlawful. Please correct the error or remove the account entirely.

Additionally, I formally contest the account associated with the following information : Date Opened ( XXXX ) : XX/XX/XXXX No. of Months ( XXXX ) : XXXX Date Last Active ( XXXX ) : XX/XX/XXXX Date of Last Payment ( XXXX ) : XX/XX/XXXX Last Reported : XX/XX/XXXX XXXX History : XXXX : XXXX | XXXX : XXXX | XXXX : 4 Upon reviewing these entries, I have identified multiple inconsistencies and potential violations of the Credit Reporting Industrys Metro 2 Format standards and CDIA reporting requirements . These discrepancies raise serious concerns about the reliability and accuracy of the data being reported, which may unfairly impact my ability to obtain credit, employment, or housing.

I request that you provide substantiating documentation that confirms your compliance with all mandatory reporting procedures, including Metro 2 standards, and that each of the reported fields is : Accurate Complete Timely Verifiable Compliant with all relevant laws and industry regulations Where such evidence can not be provided, I respectfully demand the immediate deletion of the erroneous or unverifiable accounts from my credit report. 

For example : The XXXX. of Months ( XXXX ) : XXXX appears to be inaccurate or incomplete. 

The Date Last Active and Date of Last Payment fields are inconsistent across the three major credit bureaus, signaling potential non-compliance.

The 7-Year History entry appears to reflect derogatory marks that are not backed by compliant or verified data.

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) to investigate and rectify these issues. I am providing a seven ( 7 ) day grace period from the receipt of this letter for your office to respond with verifiable proof or to remove the inaccurate items from my report.

Furthermore, I require a notarized affidavit from a person with direct knowledge of the debt, attesting that : The debt was legally incurred The associated product/service was not returned, faulty, or recalled The debt was not claimed as a tax deduction or insurance loss This documentation is critical to ensure fair and lawful reporting.

Failure to act within the specified timeframe will compel me to pursue legal action and report this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potentially seek damages in civil court for ongoing harm caused by inaccurate reporting.

I trust that your organization will act with the urgency, diligence, and integrity that federal law and consumer protection standards demand.

Company response to consumer: Closed with non-monetary relief