Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
XX/XX/XXXX Request for Permanent Deletion, and CompensationAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX Furnisher : XXXX XXXX : XXXX : XXXX Subject : Dispute of Inaccurate Credit Reporting under FCRA, FDCPA, and Metro 2 Compliance Dear XXXX XXXX  and Equifax, Pursuant to 15 U.S.C. 1681i ( a ) ( FCRA ) and 15 U.S.C. 1692e ( FDCPA ), I am disputing the accuracy of the above-referenced account reported by AVIO CREDIT on my credit reports. The information is inaccurate, incomplete, and non-compliant with Metro 2 standards and OCRA requirements. I demand a thorough investigation, correction or permanent deletion of the inaccurate data, and compensation for violations under applicable laws. Below, I outline the inaccuracies, statutory violations, and remedies sought, using the XXXX format. 

ACDV Dispute Details Consumer Identification * Name : [ Your Full Name ] * Address : [ Your Address, City, State, ZIP ] * SSN : [ Your SSN ] * DOB : [ Your DOB ] Account Information ( As Reported ) * Furnisher : XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment ( Unsecured Loan ) * Bureau Code : Individual * Account Status : Derogatory ( Collection/Charge-off ) * Date Opened : XX/XX/XXXX ( XXXX  ) / XX/XX/XXXX XXXX Equifax ) * Balance : {$0.00} * Monthly Payment : {$0.00} * High Credit : {$2500.00} * Credit Limit : {$0.00} * Past Due : {$0.00} * Payment Status : Collection/Charge-off, Late 120 Days * Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) * Comments : Transferred to another lender / Account transferred or sold * Date of Last Payment : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( Equifax ) * Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) Disputed Items and Inaccuracies The following inaccuracies violate Metro 2 standards, FCRA, and FDCPA : 1 . Inconsistent Dates Across Bureaus * Issue : The Date Opened is reported as XX/XX/XXXX by XXXX but XX/XX/XXXX by Equifax. The Date of Last Payment and Date Last Active also vary ( XX/XX/XXXX vs. XX/XX/XXXX and XX/XX/XXXX2 vs. XXXX  respectively ).

* Violation : 15 U.S.C. 1681e ( b ) requires reasonable procedures to ensure maximum possible accuracy. Inconsistent dates across bureaus indicate a failure to comply with Metro 2 standards ( Field 10 : Date Opened; Field 17 : Date of Last Payment ). Inaccurate reporting harms my creditworthiness. 
* XXXX XXXX : XXXX v. XXXX Receivables, XXXX ( XXXX ) held that inconsistent reporting violates FCRAs accuracy requirements. 
2. Incorrect Date of First Delinquency ( DOFD ) * Issue : The DOFD is not explicitly reported but implied through the Late 120 Days status and payment history. The payment history shows late payments starting in XX/XX/XXXX, but the DOFD must be precise per Metro 2 ( Field 25 ). Without a verified DOFD, the accounts derogatory status is misleading.

* Violation : 15 U.S.C. 1681c ( g ) requires accurate DOFD reporting to determine obsolescence. Failure to report a correct DOFD violates FCRA and Metro 2. 
* XXXX XXXX : XXXX v. XXXX XXXX. ( XXXX ) emphasized that inaccurate DOFD reporting is actionable under FCRA. 
XXXX. Misleading Account Status and Comments * Issue : The account is reported as Collection/Charge-off with comments like Transferred to another lender or Account transferred or sold, yet the balance is {$0.00} with no past-due amount. This suggests the account was paid, settled, or transferred, but the derogatory status persists, misleadingly implying an ongoing obligation. 
* Violation : 15 U.S.C. 1692e ( 8 ) ( FDCPA ) prohibits communicating false or misleading credit information. 15 U.S.C. 1681s-2 ( b ) requires furnishers to correct unverifiable data. Metro 2 requires accurate Account Status Codes ( e.g., Code 13 for paid/closed, not 97 for charge-off if balance is {$0.00} ). 
* XXXX XXXX : XXXX v. Equifax XXXX. XXXX, XXXX ( XXXX ) found that misleading status reporting violates FCRA .


4. Failure to Verify Transferred Account * Issue : The comment Transferred to another lender indicates the account was sold or transferred, but no successor creditor is identified, and the derogatory status remains. Metro 2 requires the original creditor to update the account to reflect transfer ( Code DA : Delete Account ) and the new creditor to report accurately.

* Violation : 15 U.S.C. 1681s-2 ( b ) mandates furnishers to verify and update transferred accounts. Failure to do so constitutes wire fraud under 18 U.S.C. 1343 by transmitting misleading data via e-OSCAR. 
* XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) held furnishers liable for failing to update transferred account statuses. 
5

. Inaccurate Payment History * Issue : The two-year payment history shows Late 120 Days and derogatory markers, but the balance and past-due amounts are {$0.00}, suggesting no delinquency. The history lacks clarity on when delinquency began or was resolved.

* Violation : Metro 2 ( Field 31 : Payment History ) requires accurate payment status reporting. 15 U.S.C. 1681i ( a ) requires reinvestigation of disputed payment histories. 
* XXXX XXXX : XXXX vXXXX XXXX ( XXXXXXXX ) established liability for failure to correct inaccurate payment histories. 
Dispute Codes ( XXXX  ) * FCRA Dispute Code : XXXX ( Inaccurate information ), XXXX ( Incorrect payment history ), XXXX ( Incorrect account status ), XXXX ( Incorrect date reported ). 
* Metro 2 Compliance Issue : Non-compliance with Fields 10 ( Date Opened ), 17 ( Date of Last Payment ), 25 ( DOFD ), 31 ( Payment History ), and 11 ( Account Status ).

* Consumer Statement : The account reporting is inaccurate, misleading, and unverifiable. The inconsistent dates, incorrect DOFD, and derogatory status despite a {$0.00} balance violate FCRA, FDCPA, and Metro 2. The furnisher has failed to verify the accounts status post-transfer, and continued reporting constitutes wire fraud ( 18 U.S.C. 1343 ).

Requested Actions Under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ), I demand : 1. Immediate Investigation : Conduct a reasonable investigation with AVIO CREDIT to verify all reported data. 
2. Permanent Deletion : Delete the account from my credit file if the furnisher can not verify all details, including DOFD, payment history, and account status, per 15 U.S.C. 1681i ( a ) ( 5 ).

3. Correct Metro 2 Reporting : Update Fields 10, 17, 25, and 31 to reflect accurate dates and status ( e.g., Code 13 for closed/paid if applicable ).

4. Cease Reporting : Stop reporting unverifiable or misleading data via e-OSCAR to prevent further violations of 18 U.S.C. 1343.

5. Compensation : Provide monetary damages for willful non-compliance under 15 U.S.C. 1681n and emotional distress caused by inaccurate reporting, as supported by XXXX v. XXXX & XXXX, XXXX ( XXXX ). Legal Basis for Compensation * FCRA Violations : 15 U.S.C. 1681e ( b ) and 1681i ( a ) impose liability for inaccurate reporting and failure to reinvestigate. 15 U.S.C. 1681n allows actual and punitive damages for willful violations.

* FDCPA Violations : 15 U.S.C. 1692e ( 8 ) prohibits misleading reporting, with damages under 1692k.

* Wire Fraud : Continued transmission of false data via e-OSCAR violates 18 U.S.C. 1343. 
* XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX ( XXXX ) awarded damages for failure to correct inaccurate reporting. 
Reservation of Rights I reserve all rights under UCC 1-308 without prejudice. I expect a response within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ). Failure to comply may result in legal action, including claims for damages and attorneys fees under FCRA and FDCPA.

Company response to consumer: Closed with explanation