Consumer complaint received 2025-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Metro 2 and e-OSCAR Dispute Account # XXXXXX/XX/XXXX | Violation of 15 U.S.C. 6802 and 1692g | Request for Wet-Ink Signature Documents * * I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ) regarding the account reported as : Creditor : XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Type : Installment Auto Loan Status : Charge-Off / Collection ( reported derogatory ) Balance : {$22000.00} Past Due : {$10000.00} 1. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of Nonpublic Personal Information The reported repossession and any transmission of this account information to third-party debt collectors or credit bureaus violates 15 U.S.C. 6802, which requires financial institutions to obtain my consent prior to sharing nonpublic personal information. At no point did I receive proper notice or the opportunity to opt out, nor was my informed consent obtained for such disclosures or third-party repossession actions.

2. Violation of 15 U.S.C. 1692g Debt Validation Failure In accordance with 15 U.S.C. 1692g, I hereby demand full validation of the alleged debt, including but not limited to : Name and address of the original creditor ; Itemized accounting of the full debt balance and charges ; Documentation of lawful chain of custody and debt ownership ; Copies of any and all contracts bearing my original wet-ink signature ; Copies of all legally required notices regarding repossession and debt assignment.

Until this information is provided in full and verified as accurate and lawful, this debt is unsubstantiated and unverifiable and must not be reported as collectible.

3. Metro 2 Compliance Errors The account is being reported in a manner that is inconsistent with Metro 2 formatting and data standards, including : Absence of Compliance Condition Code to reflect my dispute ; Improper use of Charge-Off and Collection status simultaneously ; Missing or inaccurate Date of First Delinquency, which affects lawful reporting duration.

ACTION DEMANDED : Pursuant to 15 U.S.C. 1681i, I formally request : 1. A reinvestigation of this account and immediate removal of all inaccurate, unauthorized, or unverifiable data ; 2. The production of wet-ink signature agreements supporting the origination and terms of the debt ; 3. If such documentation and legal authorization for repossession can not be produced within the required 30-day window, you must permanently delete this account from my credit file under federal law.

Continued reporting of inaccurate, unauthorized, or unverifiable data constitutes a willful violation of the FCRA, GLBA, and FDCPA, and may result in legal action and statutory damages.

Please confirm receipt of this dispute and provide written acknowledgment of your reinvestigation. I expect a full resolution within 30 calendar days.

Company response to consumer: Closed with non-monetary relief