Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX AM PDT Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate information on my credit report, as identified on the report dated XX/XX/XXXX at XXXX PM, in accordance with the Fair Credit Reporting Act ( FCRA ). The inaccuracies violate 15 USC 1681e ( b ) ( accuracy of information ), 15 USC 1681s-2 ( responsibilities of furnishers ), and 15 USC 1681i ( 5 ) ( reinvestigation requirements ). Additionally, the reporting does not comply with Metro 2 standards, the Truth in Lending Act ( TILA, 15 U.S. Code 1601 et seq. ), and the Fair and Accurate Credit Transactions Act ( FACTA, 2003 ). I request the immediate deletion of the disputed items per 15 USC 1681i ( 5 ). 
Below are the disputed items categorized as Accounts and Inquiries, with detailed discrepancies and reasons for the disputes. 
Disputed Accounts Creditor Account # Date Opened Date Last Active Status Comments XXXX XXXX XXXX XXXXXXXX * * * * XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX due to inactivity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * * XX/XX/XXXX XX/XX/XXXX Collection/Chargeoff Accounts closed by credit grantor Explanation of Inaccuracies : UNIFY FIN CU : This account is not showing maximum possible accuracy per 15 USC 1681e ( b ). The date last active ( XX/XX/XXXX ) is incorrect, as the account was charged off and should not reflect activity post-chargeoff. Payment history reported after charge-off violates XXXX XXXX XXXX. Delete this item immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681s-2. 
UNIFY FINANCIAL CRED : This account violates 15 USC 1681e ( b ) due to incorrect status reporting. The account status is listed as " Open, '' but the payment status is " Collection/Chargeoff, '' which is inconsistent. The date last active ( XX/XX/XXXX ) is inaccurate for a charged-off account, and payment history is reported post-chargeoff, breaching XXXX XXXX XXXX. When I scrutinized " Credit Remarks ( XXXX ) '' presenting " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' the information on reports doesnt seem to meet the standards set by Metro 2 guidelines . Im very disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this inaccurate report be deleted immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681s-2, or else legal action will ensue against your company for failing to meet certain requirements. 
UNIFY FINANCIAL FCU : This account violates 15 USC 1681e ( b ) due to incorrect status reporting. The date last active ( XX/XX/XXXX ) is inaccurate for a charged-off account, and payment history is reported post-chargeoff, breaching Metro 2 compliance. Delete this item immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681s-2. 
XXXXXXXX XXXX ( XXXX * * * * ) : This account is not reported accurately per 15 USC 1681e ( b ). The date last active ( XX/XX/XXXX ) is incorrect for a charged-off account, and payment history is reported post-chargeoff, violating Metro 2 standards. Delete this item immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681s-2. 
XXXXXXXX XXXX ( XXXX * * * * ) : This account appears to be a duplicate entry of the same creditor, violating 15 USC 1681e ( b ) due to duplicate reporting. The date last active ( XX/XX/XXXX ) is also incorrect for a charged-off account. Delete this item immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681s-2. 
XXXXXXXX XXXX ( XXXX * * * * ) : This account is not reported accurately per XXXX XXXX XXXX ( b ). The date last active ( XX/XX/XXXX ) and last payment ( XXXX ) are incorrect for a charged-off account, and payment history is reported post-chargeoff, violating Metro 2 standards. The credit limit ( XXXX ) shows no deviation from Metro 2 standards, which is incorrect for a charged-off account. The derogatory information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681s-2. 
XXXXXXXX XXXX  ( XXXX * * * * ) : This account is not reported accurately per 15 USC 1681e ( b ). The date last active ( XXXX  ) and last payment ( 2023-08-1XXXX ) are incorrect for a charged-off account, and payment history is reported post-chargeoff, violating Metro 2 standards. Prove that all information for this particular account has been verified. Delete this item immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681s-2. 
XXXX : This account violates 15 USC 1681e ( b ) due to incorrect status reporting. The date last active ( XX/XX/XXXX ) is inaccurate for a charged-off account, and payment history is reported post-chargeoff, breaching XXXX XXXX XXXX. Delete this item immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681s-2. 
Disputed Inquiries Creditor Name Date of Inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Explanation of Inaccuracies : The above inquiries are not authorized and lack a permissible purpose under 15 USC 1681e ( b ) and FACTA. I did not initiate these inquiries, and they violate my rights under the FCRA. Im very disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this inaccurate report be deleted immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), or else legal action will ensue against your company for failing to meet certain requirements. 
I expect a response within 30 days as required by the FCRA. Failure to comply may result in further legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief