Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
Formal Dispute Under 15 U.S.C. 1681i Demand for Deletion of Inaccurate Tradeline Account : XXXX XXXX XXXX, XXXX Loan No. XXXX/ Account No. XXXX XXXX XXXX XXXX / XXXX : XXXX To Whom It May Concern : I am writing to formally dispute the accuracy, completeness, and legal status of the XXXX XXXX XXXX, XXXX tradeline reported under my consumer file, which shows " Date Opened : XX/XX/XXXX '' and balances exceeding {$210000.00}. This dispute is made pursuant to 15 U.S.C. 1681i ( FCRA procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( requirement of accuracy ). 

Basis of Dispute Materially inconsistent information across bureaus Your records, along with those of the other two major credit bureaus, report contradictory statuses for the same accountincluding " Paid or paying as agreed '' ( TransUnion ), " Current, was past due 180 days or more '' ( Experian ), and " Pays account as agreed '' ( Equifax ), with varying balances and conflicting delinquency notations. These contradictions demonstrate that the furnisher, XXXX XXXX XXXX, XXXX, has reported materially inaccurate information in violation of 15 U.S.C. 1681s2 ( a ). 


MERS MIN status : Inactive The MERS Servicer ID System shows that the MERS Identification Number ( MIN ) associated with this loanMIN XXXX, note date XXXX designated " Inactive. '' An inactive MERS status generally indicates a loan that has been paid off, refinanced, or otherwise deactivated as an ongoing registered mortgage obligation. 

Recorded Satisfaction of Security Instrument On XX/XX/XXXX, a Satisfaction of Security Instrument was recorded in the XXXX XXXX XXXX of Deeds at Book XXXX, Page XXXX ( Instrument No. XXXX ), explicitly stating that it " extinguishes the underlying obligation secured by the Deed of Trust and terminates the effectiveness of that Deed of Trust. '' Under North Carolina law, this recorded satisfaction releases the lien and extinguishes the secured obligation. 

Recorded Affidavit of Rescission and Default On XX/XX/XXXX, I recorded an Affidavit of Rescission / Conditional Acceptance in XXXX XXXX at XXXX XXXX XXXX, Pages XXXX ( Instrument No. XXXX ), rescinding all prior endorsements and contracts with XXXX on grounds of fraud, misrepresentation, concealment, and lack of disclosure. XXXX never provided the required verification or rebuttal and entered default by its silence. 

Fraud in the factum ( UCC 3305 ) I assert a real defense under UCC 3305 ( a ) ( 1 ) ( iii ) ( fraud in the factum ) because I was not informed, and had no reasonable opportunity to learn, that the loan documents would function as negotiable instruments capable of securitization and enforcement by undisclosed thirdparty holders. The concealment of the securitization structure and true investor constitutes fraud going to the character of the instrument itself. 

Sworn Affidavit Attached Enclosed is my Affidavit of Dispute, Rescission, Fraud in the Factum, and Demand for Correction, executed under penalty of perjury, which sets forth the complete factual and legal basis for this dispute and is incorporated by reference. 


Demand for Reinvestigation and Deletion Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), you must conduct a reasonable reinvestigation of the disputed information within 30 days of receipt of this letter. You must : Forward this dispute and all supporting documents to the furnisher ( XXXX XXXX XXXX, XXXX ) within 5 business days. 


Conduct a free, thorough investigation to determine whether the disputed information is accurate and can be verified. 


Delete the XXXX tradeline if the furnisher can not verify its accuracy or if the investigation reveals the information is inaccurate, incomplete, or can not be verified. 


Provide me with written notice of the results of your reinvestigation within 5 business days after completion. 


Given the recorded satisfaction, inactive MERS status, contradictory furnishing across bureaus, recorded rescission affidavit, and fraudinthefactum defense, the XXXX tradeline is inaccurate, unverifiable, and legally unenforceable and must be permanently deleted from my consumer file. 

Notice of FCRA Liability Failure to conduct a reasonable reinvestigation or continued reporting of inaccurate information after notice of this dispute will constitute willful or negligent noncompliance with the FCRA, subjecting you to liability for actual damages, statutory damages ( up to {$1000.00} per violation under 15 U.S.C. 1681n ), punitive damages, and attorneys ' fees. 


I expect your written response and confirmation of deletion within 30 days of receipt. Please send all correspondence to the address listed above.

Company response to consumer: Closed with non-monetary relief