Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  To : EQUIFAX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Request for Immediate Deletion of Inaccurate Account Reporting Account Name/Number : [ Insert Lender Name & Account Number from Report ] Dear EQUIFAX, I am writing to formally dispute the reporting of the above-referenced account under the Fair Credit Reporting Act ( FCRA ) and pursuant to Metro 2 compliance standards . Upon reviewing my credit file, I have identified several material inaccuracies and compliance failures that render the continued reporting of this account unlawful and misleading.

1. Violation of FCRA 609 & 611 Procedural Accuracy & Verification Failure Under FCRA 609 ( a ) ( 1 ), I am entitled to a complete disclosure of the procedures used to determine the accuracy and completeness of the information reported. Additionally, FCRA 611 ( a ) requires reinvestigation of disputed data. The reported 60-day late mark in XX/XX/XXXX, immediately prior to the accounts closure in XX/XX/XXXX, appears inconsistent and potentially erroneous given the previous consistent on-time payments and {$0.00} payment in XXXX. This indicates either a reporting error or lack of verification from the data furnisher. 

2. Violation of FCRA 602 Maximum Accuracy Mandate The continued reporting of a charge-off despite timely payments and no reported default or delinquency XXXX XXXX violates FCRA 602 ( A ). Furnishers and credit bureaus are required to ensure maximum possible accuracy in consumer reports. Any inaccurate, outdated, or unverifiable information must be removed. 

3. Violation of Metro 2 Compliance Reporting Standards The Metro 2 format, as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ), mandates that accounts reported as charged-off must be accompanied by accurate payment history and charge-off timing. In this case : There is no continuity of delinquency leading into the charge-off ( only a single XXXX late in XX/XX/XXXX ). 

The account was closed within 4 months with no additional negative marks XXXX. 

The {$0.00} actual payment in the last month prior to charge-off also raises questions of data integrity. 
This violates XXXX XXXX field compliance regarding the timing and severity of derogatory marks. 

4. Legal Demand for Deletion Due to Inaccuracy and Procedural Non-Compliance Based on the aforementioned violations and inaccuracies, I demand the immediate deletion of this account from my credit file across all three credit bureaus. The current reporting is misleading, damaging, and non-compliant with FCRA and Metro 2 requirements.

Please provide within 15 business days : Written confirmation of deletion ; A description of the procedure used to verify this account ( per FCRA 611 ( a ) ( 7 ) ) ; The name and contact information of the furnisher responsible for this data. 

Failure to correct and delete this information will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible pursuit of legal remedies under FCRA 616 and 617. 

Sincerely, XXXX XXXX [ Date of Birth XXXX XXXX [ XXXX

Company response to consumer: Closed with explanation