Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX Phone : XXXX Date : XX/XX/year> TransUnion RE : Formal Dispute of Inaccurate Reporting Request for Deletion Accounts in Dispute : XXXX  XXXX {$1400.00} & {$600.00} XXXX XXXX {$760.00}, {$1100.00}, {$1000.00}, {$830.00}, {$1000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$540.00} XXXX  {$890.00} XXXX XXXX XXXX  {$600.00} XXXX XXXX  {$1800.00} XXXX {$0.00} ( Closed/Chargeoff ) XXXX XXXX {$0.00} ( Closed/Chargeoff ) To

Whom It May Concern, This letter is a formal Factual Dispute regarding the inaccurate and improper reporting of the above-referenced accounts on my credit report. These accounts are being reported as charge-offs/collections in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 Compliance Guidelines.
Grounds for Dispute : 1. Metro 2 Compliance Violation : The accounts are not being reported in full compliance with the CDIAs Metro 2 Format. For example, collection accounts and charge-offs can not legally be reported simultaneously as they are mutually exclusive. This is considered duplicate derogatory reporting.

2. Factual Inaccuracy : The accounts fail to provide a verifiable contract, itemized accounting, or lawful assignment proving ownership of the alleged debt. Without this validation, continued reporting constitutes furnishing of inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ).

3. Failure to Investigate Properly : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation. Generic e-Oscar responses do not satisfy this requirement.

4. Consumer Harm : Reporting these accounts inaccurately has caused measurable harm to my creditworthiness, financial opportunities, and reputation.

Required Action : - Immediately delete the above-referenced accounts from my credit profile.

- Provide written confirmation of deletion within 30 days as required under FCRA 611. - Cease and desist from reporting unverifiable, inaccurate, and nonMetro 2 compliant data.

If these inaccuracies are not removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for willful noncompliance and violation of federal law.

This letter is not a refusal to pay but a notice that your reporting is inaccurate, incomplete, and legally noncompliant. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Phone : XXXX Date : XX/XX/year> Equifax RE : Formal Dispute of Inaccurate Reporting Request for Deletion Accounts in Dispute : XXXX  XXXX {$1400.00} & {$600.00} XXXX XXXX {$760.00}, {$1100.00}, {$1000.00}, {$830.00}, {$1000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$540.00} XXXX  {$890.00} XXXX XXXX XXXX  {$600.00} XXXX XXXX  {$1800.00} XXXX {$0.00} ( Closed/Chargeoff ) XXXX XXXX {$0.00} ( Closed/Chargeoff ) To Whom It May Concern, This letter is a formal Factual Dispute regarding the inaccurate and improper reporting of the above-referenced accounts on my credit report. These accounts are being reported as charge-offs/collections in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 Compliance Guidelines.

Grounds for Dispute : 1. Metro 2 Compliance Violation : The accounts are not being reported in full compliance with the CDIAs Metro 2 Format. For example, collection accounts and charge-offs can not legally be reported simultaneously as they are mutually exclusive. This is considered duplicate derogatory reporting.

2. Factual Inaccuracy : The accounts fail to provide a verifiable contract, itemized accounting, or lawful assignment proving ownership of the alleged debt. Without this validation, continued reporting constitutes furnishing of inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ).

3. Failure to Investigate Properly : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation. Generic e-Oscar responses do not satisfy this requirement.

4. Consumer Harm : Reporting these accounts inaccurately has caused measurable harm to my creditworthiness, financial opportunities, and reputation.

Required Action : - Immediately delete the above-referenced accounts from my credit profile.

- Provide written confirmation of deletion within 30 days as required under FCRA 611.

- Cease and desist from reporting unverifiable, inaccurate, and nonMetro 2 compliant data.


If these inaccuracies are not removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for willful noncompliance and violation of federal law. This letter is not a refusal to pay but a notice that your reporting is inaccurate, incomplete, and legally noncompliant. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Phone : XXXX

Company response to consumer: Closed with explanation