Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Inaccurate Information on Credit Report Pursuant to FCRA, FDCPA, UCC, and Demand for Metro 2 Compliance Verification\nDear XXXX Dispute Department,\nThis letter serves as my formal written dispute under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., specifically  1681i (Procedure in case of disputed accuracy), regarding inaccurate, incomplete, and unverifiable information appearing on my credit report. I am also invoking my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692 et seq., for any applicable debt validation requirements, and the Uniform Commercial Code (UCC), particularly Articles 1, 2, and 9, concerning the lack of enforceable contracts or security interests without my express written or verbal consent.\nI did not provide any written or verbal consent for the reporting, collection, or furnishing of the following items to my credit file. These entries appear to violate permissible purpose requirements under FCRA  1681b, as there is no valid account relationship or authorization from me. Furthermore, if these items involve debt collection, they fail to comply with FDCPA  1692g validation obligations, as I have not received proper notice or verification of any alleged debt. Under the UCC, any purported contract or obligation lacks consideration, mutual assent, and a signed writing where required (e.g., UCC  2-201 for sales over XXXX or UCC 9-203 for security interests), rendering them unenforceable.\nI demand a full reinvestigation of these items, including direct communication with the furnishers beyond automated e-OSCAR processing. Reliance solely on e-OSCARs Automated Credit Dispute Verification (ACDV) system may not suffice for a reasonable investigation under FCRA, as it often limits manual review and fails to address detailed disputes like this one. Please ensure compliance with Metro 2 reporting guidelines (as established by the Credit Reporting Resource Guide), including accurate use of Compliance Condition Codes (e.g., XC for disputes under investigation) and proper Account Status coding. Non-compliance with Metro 2 could constitute a willful violation of FCRA  1681n.\nThe specific items I am disputing are as follows:\n1. Account: XXXX XXXX Reported Date: XXXX XXXX  Reason for Dispute: Inaccurate and unverifiable; no consent given for reporting; lacks enforceable contract under UCC; if collection, no FDCPA validation provided. Demand deletion.\n2. Account: XXXX XXXX Reported Date: XXXX XXXX Reason for Dispute: Inaccurate and unverifiable; no consent given for reporting; lacks enforceable contract under UCC; if collection, no FDCPA validation provided. Demand deletion.\n3. Account: XXXX XXXX Reported Date: XXXX XXXX Reason for Dispute: Inaccurate and unverifiable; no consent given for reporting; lacks enforceable contract under UCC; if collection, no FDCPA validation provided. Demand deletion.\n4. Account: XXXX XXXX  Reported Date: XXXX XXXX Reason for Dispute: Inaccurate and unverifiable; no consent given for reporting; lacks enforceable contract under UCC; if collection, no FDCPA validation provided. Demand deletion.\n5. Account: XXXX XXXX  Reported Date: XXXX XXXX  Reason for Dispute: Inaccurate and unverifiable; no consent given for reporting; lacks enforceable contract under UCC; if collection, no FDCPA validation provided. Demand deletion.\n6. Account: XXXX XXXX  Reported Date: XXXX XXXX  Reason for Dispute: Inaccurate and unverifiable; no consent given for reporting; lacks enforceable contract under UCC; if collection, no FDCPA validation provided. Demand deletion.\n7. Account: XXXX XXXX XXXX Reported Date: XXXX XXXX Reason for Dispute: Inaccurate and unverifiable; no consent given for reporting; lacks enforceable contract under UCC; if collection, no FDCPA validation provided. Demand deletion.\n8. Account: XXXX XXXX Reported Date: XXXX XXXX  Reason for Dispute: Inaccurate and unverifiable; no consent given for reporting; lacks enforceable contract under UCC; if collection, no FDCPA validation provided. Demand deletion.\nUnder FCRA  1681i(a)(1), you must conduct a reasonable reinvestigation within 30 days of receiving this dispute (45 days if I provide additional information). This includes forwarding all relevant details to the furnishers and requiring them to verify the accuracy with original documentation, not merely automated confirmations. If the items cannot be verified, they must be deleted per FCRA  1681i(a)(5).\nAdditionally, block these items from my report during the investigation per FCRA  1681c-1(f), and provide me with the results in writing, including an updated credit report at no charge. If any furnisher fails to respond adequately, treat the dispute as verified in my favor.\nI am sending this dispute via Certified Mail with Return Receipt Requested to ensure proper handling outside of automated systems like e-OSCAR, which may not fully address complex issues involving UCC, FDCPA, and Metro 2 compliance. Failure to comply may result in liability under FCRA  1681n (willful noncompliance) or  1681o (negligent noncompliance), including actual damages, statutory damages up to $XXXX  per violation, punitive damages, and attorneys fees.\nPlease acknowledge receipt of this letter within 5 business days and provide the name and contact information of the individual handling my dispute.\nSincerely,'

Company response to consumer: Closed with explanation