Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX Date : _______________ To : Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Deletion of Inaccurate Accounts and Personal Information FCRA & Metro 2 Compliance Required I. SWORN AFFIDAVIT I am formally disputing multiple inaccurate, incorrect, inconsistent, misaligned, and unverifiable items that you are currently reporting on my consumer file.

After crossexamining my Equifax report againsXXXX XXXX and XXXX, I discovered that the balances, dates, pastdue amounts, statuses, account numbers, payment histories and identifiers do not match across the three bureaus. These discrepancies make the reporting inaccurate, unreliable, misleading and legally defective, and they are inhumane because they damage my creditworthiness and reputation, impacting my ability to obtain housing, employment and financial stability. 

Under federal law specifically FCRA 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) any item that is inaccurate, incomplete, conflicting or unverifiable must be DELETED, not corrected. Because the disputed tradelines below contain conflicting, mismatched and unverified information, they must be permanently removed from my consumer report.

I am asserting my rights under : FCRA 1681e ( b ) Requires maximum possible accuracy. Every fact, balance, date, status, payment history and account identifier must be correct and consistent between furnishers and across all three credit bureaus. Any conflict is a violation. 
FCRA 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted. If Equifax can not fully validate the information with competent, original records, it can not remain. The law forbids correcting an unverifiable account.

FCRA 1681b ( a ) ( 2 ) No information may be furnished without a permissible purpose. Reporting outdated, inaccurate or mismatched data is illegal furnishing.

FCRA 1681a ( 2 ) ( Xi ) Adverse information must be supported by complete, competent documentation. If the furnisher can not produce the original contract, accountlevel documentation and payment ledger, the reporting is unlawful.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to a reasonable investigation and to request the method of verification for each disputed tradeline.

FDCPA 1692g You must obtain full validation from the furnisher when a consumer disputes a debt. I demand the original signed contract, complete payment history, any insurance claims, and the chainoftitle showing ownership.

FDCPA 1692cc A debt can not be communicated or furnished if it has not been validated.

UCC 9210 I have the right to request a full accounting and chainoftitle. You must prove you legally own the debt, have standing to report it, and can provide a complete transaction record. Without these, the debt is uncollectible and the reporting is unlawful.

I am demanding full deletion of all disputed items listed below.

II. DISPUTED NEGATIVE ACCOUNTS & CROSSBUREAU DIFFERENCES The following accounts appear in my Equifax file, yet they contain inconsistent information when compared across Equifax, XXXX XXXX XXXX They are not mine, are not recognized by me, and must be deleted unless Equifax can produce original documentation bearing my signature that proves I legally owe these debts. 

XXXX XXXX XXXX / XXXX. of Education Student Loan Equifax : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} ; Pastdue {$170.00} ; Status : Over 120 Days Past Due ; Date of first delinquency XXXX. 
XXXX : Account # : XXXX ; XXXX {$3400.00} ; XXXX {$220.00} ; Date opened XX/XX/XXXX ; Status : 90150 days late. XXXX XXXXeuses this same account number for XXXX different XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} ; Monthly payment {$44.00} ; Status : Account 120 Days Past XXXX. 
Violations : Three different account numbers; mismatched balances and pastdue amounts ; XXXX reuse of one account number across multiple loans ; missing XXXX on XXXX XXXX XXXX only reports one loan. Under FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), this account is unverifiable and must be deleted, not corrected. 
XXXX XXXX XXXX XXXX XXXX Equifax : Account # XXXX XXXX XXXX XXXX Balance {$2100.00} ; Pastdue {$110.00} ; Status : Over 120 Days Past XXXX. 
XXXX : Account # : XXXX ; Balance {$2100.00} ; Pastdue {$130.00} ; Date opened XX/XX/XXXX ; Status : XXXX. 
XXXX  : Not reporting this XXXX. 
Violations : Different account numbers; conflicting balances and pastdue amounts; missing from XXXX XXXX XXXX XXXXeuses the same number across multiple loans. This makes the account unverifiable. Delete it. 
XXXX XXXX XXXX XXXX XXXX Equifax : Account # XXXX XXXX XXXX XXXX XXXXalance {$950.00} ; Pastdue {$44.00} ; Status : Over 120 Days Past XXXX. 
XXXX XXXX Account # : XXXX ; XXXX {$960.00} ; XXXX {$55.00} ; Date opened XXXX. 
XXXX  : Not XXXX. 
Violations : XXXX, mismatched account numbers and amounts ; XXXX  uses a reused account number ; missing from XXXX  This account can not be verified and must be deleted. 
XXXX Department XXXX XXXX XXXX Account Equifax XXXX Account # : XXXX XXXXXXXX ; Balance {$0.00} ; Status : Pays As Agreed ; Date closed XX/XX/XXXX ; High credit $ XXXX. 
XXXXn : Account # : XXXX ; Status : Closed XXXX late payments ; Date opened XX/XX/XXXX ; High balance {$870.00} ; Credit limit $ XXXX. 
XXXX  : Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; Status : Paid, Closed ; was Paid as Agreed ; Date closed XX/XX/XXXX ; Last payment XXXX. 
Violations : Different account numbers; conflicting statuses ( Equifax and XXXX show paysasagreed while XXXX  reports 10 late payments ) ; varying closing dates. This inconsistency renders the tradeline unverifiable. Delete it. 
These accounts are not recognized by me and appear to be associated with incorrect names or outdated addresses. I deny any obligation and demand they be removed immediately unless Equifax can produce original contractual agreements bearing my wet signature and a complete payment ledger proving a legal obligation exists. 

XXXX. INCORRECT PERSONAL INFORMATION Equifax is reporting inaccurate personal information, including outdated or incorrect addresses that do not belong to me. Only XXXX address is correct : XXXX XXXX XXXX, XXXX NY XXXX. The following addresses on my Equifax report are inaccurate and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX XXXX to maintain accurate personal identifiers violates FCRA 1681e ( b ). These incorrect addresses create a risk of mixed files and misreporting and must be removed.

IV. LEGAL GROUNDS FOR DISPUTE & DELETION I am asserting my rights under the following laws and reporting standards : FCRA 1681e ( b ) Credit bureaus must report with maximum possible accuracy. Conflicting balances, dates, pastdue amounts, statuses and account numbers violate this requirement.

FCRA 1681i ( a ) ( 5 ) ( A ) When information can not be verified, the bureau must DELETE, not update. Datamatching across bureaus is not a reasonable investigation.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to a reasonable investigation and to request the method of verification and supporting documents.

FCRA 1681b ( a ) ( 2 ) No information may be furnished without a permissible purpose. Reporting inaccurate or outdated data is unlawful.

FCRA 1681a ( 2 ) ( Xi ) Adverse information must be supported by complete, competent evidence. Missing contracts, payment histories and transfer records render the reporting unlawful.

FDCPA 1692g and 1692cc Debt collectors must validate debts upon request and may not communicate unvalidated debts. 
UCC 9210 I have the right to request a full accounting and chainoftitle to prove that you legally own the debt and have standing to report it.

Metro 2 Format Inaccurate names, outdated addresses, unverifiable debts, and missing DOFD violate the Metro 2 Format ( including Base Segment Fields 137145 for identity and address reporting ).

V. WHAT I AM REQUESTING Deletion of all four disputed accounts unless original proof of debt is provided in the form of a contract bearing my signature and a complete payment ledger. 
Immediate removal of all inaccurate addresses listed above. 
Method of verification : Provide the documents and procedures used to verify each disputed account, including the name of any furnisher contacted, copies of all contracts, ledgers, and insurance claims, and the chainoftitle showing ownership. 
An updated copy of my credit report after completion of your investigation. 
VI. ATTACHED SUPPORTING DOCUMENTS A copy of my governmentissued ID ( showing correct name and address ). 
A copy of my Social Security card ( if required ). 
A recent utility bill ( proving current address ). 
[ Optional : notarized Affidavit of Identity, if available. ] VII. NOTICE OF LEGAL INTENT If you fail to verify these accounts within the 30day FCRA window, or continue to report inaccurate information, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York Attorney General. I will also pursue civil action under FCRA 616 and 617 for willful or negligent noncompliance. These inaccurate and unverified entries are damaging my creditworthiness and must be removed. 

Please send all responses and an updated report to the mailing address listed above. This letter constitutes my sworn affidavit and formal notice of dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief