Consumer complaint received 2025-10-31 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: OH

Complaint narrative:
METRO 2 COMPLIANT DEBT VALIDATION & FCRA DISPUTE NOTICE To : Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion LLC XXXX. XXXXXXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Date : [ insert todays date ] Subject : Metro 2 Data Accuracy Dispute, Debt Validation Demand, and Request for Deletion Pursuant to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 15 U.S.C. 1692g I. Basis of Dispute I, XXXX XXXX, hereby dispute the accuracy, completeness, and lawful ownership of the account reported by XXXX XXXX, XXXX, allegedly originating from XXXX XXXX XXXX XXXX 

The information currently furnished to Experian, Equifax, and TransUnion is factually inconsistent, incomplete, and unverified. The reported balance materially differs from XXXX  original charge-off data, demonstrating non-compliance with Metro 2 standards and violations of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ). 

Under Metro 2 Compliance Condition Code XB, this tradeline must immediately be coded Consumer Disputes Investigation in Progress.

II. Reporting and Ownership Violation Reporting or furnishing information without verified ownership or lawful authority constitutes a willful and negligent violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creating liability under 15 U.S.C. 1681n, 1681o, and 1692k.

If XXXX XXXX, XXXX can not produce valid documentation proving legal purchase, assignment, or servicing rights from XXXX XXXX XXXX, then the company lacks a permissible purpose under 15 U.S.C. 1681b to collect, report, or furnish data concerning this account. 



XXXX. Notice of Court Ruling and Continued Furnishing I further notify you that XXXX XXXX, XXXX XXXX XXXX XXXX, Case No. XXXX, was litigated in the XXXX XXXX XXXX XXXX, and the court entered a ruling adverse to XXXX XXXX, XXXX. 

Despite that judgment, XXXX  failed to update its reporting or delete the tradeline from my consumer credit files, continuing to furnish data that is legally inaccurate and misleading. Because XXXX  lost standing and ownership rights in that case, it has no lawful authority to continue furnishing or collecting on this account. 

Accordingly, this tradeline must be immediately suspended, coded XXXX  Consumer Disputes, and deleted from all credit reports under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ).

IV. Notice Regarding Securitization and Transfer If the underlying XXXX  loan was securitized, pledged, or transferred into any trust, XXXX, or asset-backed instrument, then XXXX relinquished beneficial ownership. In that case, neither XXXX nor XXXX can lawfully claim collection rights under UCC Articles 3 and 9. 

I demand written disclosure confirming whether this debt was securitized, fractionally sold, or otherwise monetized, and the identity of any related trust or custodian. 



V. Cease Reporting Pending Validation While this dispute is under investigation, you are prohibited from reporting, updating, or re-aging any negative data under 15 U.S.C. 1692g ( b ) and 1681s-2 ( a ) ( 3 ).

If the account has already been furnished, it must : Be coded XXXX  Consumer Disputes, Investigation in Progress ; Be suspended from all updates until validation is completed ; and Be permanently deleted if ownership or accuracy can not be verified under FCRA 611 ( a ) ( 5 ) ( A ). 




VI. Demand for Full Deletion if Ownership Is Not Proven If XXXX XXXX, XXXX fails to produce complete validation and proof of lawful ownership including the original signed contract, bill of sale, assignment agreement, and unbroken chain of title from XXXX XXXX XXXX this tradeline must be immediately deleted from all credit reports. 

Continuing to furnish unverifiable data, especially following a court judgment against XXXX, constitutes a willful violation of both the FCRA and FDCPA and will be treated as such under 15 U.S.C. 1681n, 1681o, and 1692k. 




VII. Notice of Intent to Pursue Remedies If validation, correction, or deletion is not completed within 30 calendar days, I will : 1. File formal complaints with the CFPB, FTC, and the Ohio Attorney Generals Office ; and 2. Pursue civil remedies under 15 U.S.C. 1681n, 1681o, and 1692k, seeking statutory, actual, and punitive damages, plus attorneys fees and costs. 


VIII. Summary of Required Actions Please provide within 30 days : 1. Full debt validation, including the assignment agreement, account history, and unbroken chain of title from XXXX to XXXX ; 2. Written confirmation of legal ownership and collection authority ; 3. Disclosure of any securitization, pledge, or sale involving this account ; 4. Suspension of all credit reporting pending validation ; and 5. Immediate deletion of the tradeline if ownership or accuracy can not be verified. 




IX. Certification I certify this dispute is made in good faith to ensure lawful, transparent, and accurate credit reporting in compliance with the FCRA and FDCPA. All responses should be provided in writing to the address above.

Respectfully, XXXX XXXX XXXX/ Defendant

Company response to consumer: Closed with explanation