Consumer complaint received 2025-10-09 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:
I am formally disputing the accuracy of the following negative information being reported on my open account. I demand the immediate and permanent deletion of the late payment remarks, or full deletion of the account if you can not bring it into full Metro 2 compliance. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand the permanent deletion of all late payment remarks being reported on my XXXX  XXXX account ending in XXXX. This account is open, active, and has been consistently paid, yet false derogatory data has been published in violation of the FCRA, 15 U.S.C. 1681i and 1681s-2 ( b ). Reporting late payments without full validation and proper documentation is reckless and violates Metro 2 compliance standards. 

This account was also impacted by the Equifax data breach, which further discredits the reliability of the records you continue to report. Your repeated failure to investigate and correct these errors after my previous disputes shows willful noncompliance with consumer law. 

Because this account is open and actively being paid, the only lawful resolution is the permanent deletion of every late payment remark and the update of the account to reflect a Pays as agreed status. Any continued reporting of derogatory information that is not fully verified will be treated as the knowing publication of false data, which is prohibited under consumer protection laws. 

Also, I am demanding the permanent deletion of the following charge-off and collection accounts because they are reported with false, inaccurate, and unverifiable information in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). 
The continued reporting of these derogatory items is reckless, unlawful, and harmful, especially considering that my private data was compromised in the Equifax data breach, making these records unreliable and tainted from the start. 
Each furnisher has already failed to validate or correct reporting after prior disputes, which constitutes willful noncompliance. Publishing unverifiable data knowingly violates consumer protection law, Metro 2 standards, and federal statutes. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand the permanent deletion of the XXXX account ending in XXXX because it is being reported with multiple inaccuracies and in violation of consumer protection laws. Under FCRA 15 U.S.C. 1681i and 1681s-2 ( b ), you are required to ensure maximum possible accuracy of the data furnished. Reporting a charge-off with inconsistent dates, unverifiable balances, and derogatory remarks is reckless and unlawful.

You are knowingly publishing false data in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and failing to properly investigate as required by 15 U.S.C. 1681i. This account has been closed with a XXXX balance, yet you continue to report derogatory late payment and charge-off remarks. Such reporting is noncompliant with Metro 2 standards and misrepresents the true status of the account. 
Your repeated failure to investigate and correct these inaccuracies after prior disputes demonstrates willful noncompliance. Because this furnisher has failed to validate or provide proper documentation, the only lawful resolution is the immediate and permanent deletion of this account from my credit report. I demand deletion now. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I demand the permanent deletion of the XXXX account ending in XXXX because it is being reported with multiple inaccuracies in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). The account is being misrepresented with late payment remarks, a charge-off status, and inconsistent balance reporting that fails to meet Metro 2 compliance standards.

You are knowingly publishing false and unverifiable data in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and your failure to properly investigate after notification demonstrates willful noncompliance. This account has been closed, yet you continue to report derogatory charge-off remarks and delinquency data that misrepresent the true status of the account. 
Because this furnisher has failed to validate or provide proper documentation, the only lawful resolution is the immediate and permanent deletion of this account in its entirety from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand the permanent deletion of the XXXX XXXX XXXX account ending in XXXX because it is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). The reporting of this account is inaccurate, unverifiable, and fails to meet Metro 2 compliance standards. 
You are knowingly publishing false derogatory data tied to a XXXX account without providing full documentation or proper validation. This furnisher has failed to correct the reporting after disputes, which demonstrates willful noncompliance under the FCRA. 
Publishing such unverifiable information is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Because you have failed to validate or provide lawful documentation, the only resolution is the immediate and permanent deletion of this account from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand the permanent deletion of the XXXX XXXX  account ending in XXXX because it is being reported with multiple inaccuracies in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). The reporting of this account includes a charge-off status, late payment remarks, and inconsistent balance reporting, none of which meet Metro 2 compliance standards.

You are knowingly publishing false and unverifiable information in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Your failure to properly investigate after repeated disputes demonstrates willful noncompliance. 
Because this furnisher has failed to provide proper documentation or correct the reporting, the only lawful resolution is the immediate and permanent deletion of this account in its entirety from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand the permanent deletion of the XXXX account ending in XXXX because it is being reported with multiple inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). 
The reporting of this account includes charge-off status, late payment remarks, and inconsistent balance reporting that fails to meet Metro 2 compliance standards. Your failure to properly investigate after repeated disputes shows willful noncompliance. 
Because this furnisher has failed to provide full documentation or correct the reporting, the only lawful resolution is the immediate and permanent deletion of this account in its entirety from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX I demand the permanent deletion of the XXXX account ending in XXXX because it is being reported with multiple inaccuracies in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). 
This account is misrepresented with charge-off status, late payment remarks, and inconsistent balance reporting that do not meet Metro 2 compliance standards. Your repeated failure to investigate and correct the reporting after disputes demonstrates willful noncompliance. 
Because you have failed to validate or provide lawful documentation, the only proper resolution is the immediate and permanent deletion of this account in its entirety from my credit report. 

Unauthorized Credit Inquiries ( Due to Identity Theft ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX My identity was stolen due to a data breach, and these companies accessed my credit report without consent, violating the FCRA. I request immediate removal of these unauthorized inquiries from my report. 

Incorrect Personal Information Names : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of Birth : XX/XX/XXXXXXXX  ( Incorrect ) Employers : XXXX XXXX XXXXXXXX XXXX XXXX I do not want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. Please delete any other personal information that infringes on my consumer rights, or provide evidentiary proof of the legal right to retain such information. 

This ongoing reporting of false and unverifiable information has caused significant harm to my credit profile, financial opportunities, and personal reputation. The continued publication of this data after notice constitutes willful noncompliance under the FCRA and a knowing publication of inaccurate information.

Company response to consumer: Closed with non-monetary relief