Consumer complaint received 2025-07-05 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: SC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX, XXXX for continued, unlawful, and materially misleading reporting of an account ( loan ending in XXXX ) in violation of : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Uniform Commercial Code ( UCC ) Metro 2 credit reporting standards Despite a prior CFPB complaint ( Case # XXXX ), XXXX has failed to take corrective action and continues to report this account with derogatory remarks, damaging my credit and violating multiple consumer protection laws. 

Legal Violations and Supporting Facts 1. FCRA 605 ( a ) 7-Year Reporting Rule The account became delinquent over 7 years ago, yet XXXX continues to furnish the tradeline with derogatory data. They failed to identify or disclose the Date of First Delinquency ( DOFD ) in their XX/XX/XXXX response, which is required for determining compliance with 605 ( a ). If they can not verify the DOFD, they have no legal basis to continue reporting this account.

2. FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate and Misleading Furnishing The account is listed as settled for less than full balance and carries a {$0.00} balance, yet XXXX continues to furnish it with derogatory status codes. This is misleading, incomplete, and in violation of industry standards. A {$0.00} balance account, no longer collectible, must not be presented in a derogatory status under Metro 2.

3. FCRA 611 Failure to Properly Investigate XXXX admitted to receiving six prior disputes via e-OSCAR, yet refuses to acknowledge any obligation to properly investigate or verify the information. They have not provided a single document validating the accuracy or legal basis for continued reporting.

4. FDCPA 807 Misrepresentation of XXXX XXXX issued a Form XXXX in XXXX, acknowledging debt cancellation and discharging over {$4500.00}. Despite this, they continue to report the account with language and coding that implies unresolved delinquency. This is a willful misrepresentation of the character and status of the debt, in violation of FDCPA.

5. Metro 2 Reporting Violation According to Metro 2 guidelines, any {$0.00} balance account with no legal obligation and no current delinquency or collection must be reported as closed and non-derogatory. XXXX is in direct breach of these standards and has failed to explain or justify their non-compliance. 

6. UCC 9-611, 9-614, 9-616 No Required Disclosures Provided XXXX claims the loan was unsecured but provides no evidence. If any property or collateral was tied to this loan ( as is standard in many XXXX auto or secured loans ), then required notices of default, post-settlement disclosures, and final accounting were never provided. This violates state and federal UCC provisions.

Harms Resulting from This Reporting The continued furnishing of this account is actively suppressing my credit score, impairing my ability to qualify for fair credit terms, and falsely representing my financial status to lenders. This is not only a legal violation but a direct and measurable form of financial harm.

Company response to consumer: Closed with explanation