Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
XX/XX/XXXX Reporting on Account # XXXX XXXX XXXX XXXX XXXX Demand for Permanent Deletion and Compensation Dear XXXX, XXXX, and Equifax, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am submitting this formal dispute regarding inaccurate, unverifiable, and misleading information reported on my credit file for the account listed below. This letter is structured in the Automated Credit Dispute Verification ( ACDV ) format, as required under the e-OSCAR system, and demands a thorough investigation, correction, or permanent deletion of the disputed items. I also request compensation for damages caused by these inaccuracies, as permitted under 15 U.S.C. 1681n and 1681o.

Account Information * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment ( Unsecured Loan ) * Account Status : Transferred * Date Opened : XX/XX/XXXX ( XXXX ) / XX/XX/XXXX ( Equifax ) * Balance : {$0.00} * Payment Status : * XXXX  : Late 60 Days * XXXX  : Late 30 Days * Equifax : Late 60 Days * Last Reported : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX/Equifax ) XXXX Comments : Transferred to another lender or claim purchased; Sold to : XXXXXXXX XXXX Date of Last Payment : XX/XX/XXXX ( Equifax )/ XX/XX/XXXX ( XXXX  ) * Date of Last Active : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( Equifax ) Dispute Details and Violations The information reported on this account contains multiple inaccuracies and violates several provisions of the FCRA, FDCPA, Metro 2 , and XXXX  standards . Below, I outline each issue and the applicable laws : 1. Inaccurate Payment Status Reporting * Issue : The account is reported as Late 60 Days ( XXXXEquifax ) and Late 30 Days ( XXXX  ), despite the account being transferred with a {$0.00} balance. This is inconsistent and misleading, as a transferred account with no balance should not reflect delinquency.

* Violation : * FCRA 1681e ( b ) : Credit reporting agencies ( CRAs ) must maintain reasonable procedures to assure maximum possible accuracy. Inaccurate delinquency reporting violates this provision.

* FCRA 1681s-2 ( b ) : Furnishers are required to conduct a reasonable investigation and correct or delete unverified information. The conflicting delinquency statuses indicate a failure to verify.

* Metro 2 Compliance : The Account Status Code ( e.g., 97 for Transferred ) and Payment Rating are inconsistent with Metro 2 guidelines, which require accurate status reporting for transferred accounts.

* Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), establishes that CRAs must correct inaccurate information upon dispute or face liability for failing to follow reasonable procedures.

* Demand : Delete the delinquency status and update the account to reflect Transferred, Paid as Agreed ( Metro 2 Code 05 ).

2. Inconsistent Dates Across Bureaus * Issue : The Date Opened is reported as XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) . The Date of Last Payment and Date of Last Active also vary across bureaus, creating confusion and inaccuracy.

* Violation : * FCRA 1681c : Incorrect dates, such as the Date of First Delinquency ( DOFD ) or other key dates, violate the FCRAs requirement for accurate reporting.

* Metro 2 Compliance : Metro 2 requires consistent reporting of critical dates ( e.g., K4 segment for DOFD ). Inconsistent dates indicate non-compliance.

* Case Law : Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ), holds that inaccurate reporting of dates constitutes a material violation of the FCRA.

* Demand : Verify and standardize all dates or delete the account entirely if unverifiable.

3. Misleading Comments and Transfer Details * Issue : The comments section notes Transferred to another lender or claim purchased and Sold to : XXXX, but the account continues to reflect delinquency, which is misleading. A transferred account should not report as delinquent unless verified.

* Violation : * FCRA 1681i ( a ) : CRAs must reinvestigate disputed information and delete it if unverifiable within 30 days.

* FDCPA 1692e : Reporting misleading information about a debts status violates the FDCPAs prohibition on false or deceptive representations.

* Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting misleading or false data via e-OSCAR, an electronic system, may constitute wire fraud if done with intent to deceive.

* Case Law : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ), confirms that furnishers must verify disputed information or delete it.

* Demand : Remove misleading comments and delinquency status or delete the account entirely.

4. Two-Year Payment History Discrepancies * Issue : The payment history shows inconsistent delinquency statuses ( e.g., 60 Days Late on XXXX/Equifax, 30 Days Late on XXXX  ) for the same months, violating Metro 2s requirement for consistent payment history reporting.

* Violation : * Metro 2 Compliance : The Payment History Profile must accurately reflect the accounts status per Metro 2 guidelines. Inconsistent reporting violates this standard.

* FCRA 1681s-2 ( b ) : Furnishers must correct inaccurate payment history after a reasonable investigation.

* Case Law : Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ), holds furnishers liable for failing to correct inaccurate payment history after a dispute.

* Demand : Correct the payment history to reflect accurate status or delete the account.

5. Failure to Report Role Accurately * Issue : The account does not clearly indicate the furnishers role ( e.g., original creditor, debt buyer, or collector ) under Metro 2 guidelines.

* Violation : * FCRA 1681e ( b ) : CRAs must ensure accurate reporting of the furnishers role.

* Metro 2 Compliance : The Portfolio Type and Account Type fields must clearly identify the furnishers role.

* Demand : Update the account to accurately reflect the furnishers role or delete it.

Requested Actions Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation within 30 days and delete or correct any information that can not be verified. I demand the following : 1. Permanent Deletion : Delete the account ( # XXXX XXXX XXXX XXXX XXXX ) from my credit file across all three bureaus due to unverifiable and inaccurate information. 
2. Correction of Inaccuracies : If the account is not deleted, correct all inaccuracies, including payment status, dates, comments, and payment history, to comply with Metro 2 and FCRA standards.

3. Compensation for Damages : Pursuant to 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and credit denials.

4. Proof of Investigation : Provide a detailed report of your investigation, including all communications with the furnisher ( e.g., DCP ), as required under FCRA 1681i ( a ) ( 4 ).

5. Cease and Desist : Cease reporting this account to any third parties until the dispute is resolved, per FDCPA 1692c ( c ).

Additional Notes * Without Prejudice UCC 1-308 : I reserve all rights and remedies under the Uniform Commercial Code and applicable laws.

* XXXX  Compliance : The Office of the Comptroller of the Currencys guidelines require accurate credit reporting. Non-compliance may be reported to regulatory authorities.

* e-OSCAR Violations : Transmitting false or misleading data through e-OSCAR may violate 18 U.S.C. 1343 ( wire fraud ). I reserve the right to escalate this matter to the appropriate authorities.

Supporting Documentation I have enclosed the following : * Copy of my government-issued ID * Proof of address ( utility bill ) * Copies of credit reports highlighting disputed items * Payment records showing the account was paid or transferred Account Information * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment ( Unsecured Loan ) * Account Status : Transferred * Date Opened : XX/XX/XXXX ( XXXX ) / XX/XX/XXXX ( Equifax ) * Balance XXXX {$0.00} * Payment Status : * XXXX  : Late 60 Days * XXXX  : Late 30 Days * Equifax : Late 60 Days * Last Reported : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX/Equifax ) * Comments : Transferred to another lender or claim purchased; Sold to : XXXXXXXX XXXX Date of Last Payment : XX/XX/XXXX ( Equifax )/ XX/XX/XXXX ( XXXX ) * Date of Last Active : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( Equifax ) Dispute Details and Violations The information reported on this account contains multiple inaccuracies and violates several provisions of the FCRA, FDCPA, Metro 2, and OCRA standards. Below, I outline each issue and the applicable laws : 1. Inaccurate Payment Status Reporting * Issue : The account is reported as Late 60 Days ( XXXXEquifax ) and Late 30 Days ( XXXX  ), despite the account being transferred with a {$0.00} balance. This is inconsistent and misleading, as a transferred account with no balance should not reflect delinquency.

* Violation : * FCRA 1681e ( b ) : Credit reporting agencies ( CRAs ) must maintain reasonable procedures to assure maximum possible accuracy. Inaccurate delinquency reporting violates this provision.

* FCRA 1681s-2 ( b ) : Furnishers are required to conduct a reasonable investigation and correct or delete unverified information. The conflicting delinquency statuses indicate a failure to verify.

* Metro 2 Compliance : The Account Status Code ( e.g., 97 for Transferred ) and Payment Rating are inconsistent with Metro 2 guidelines, which require accurate status reporting for transferred accounts.

* Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), establishes that CRAs must correct inaccurate information upon dispute or face liability for failing to follow reasonable procedures.

* Demand : Delete the delinquency status and update the account to reflect Transferred, Paid as Agreed ( Metro 2 Code 05 ).

2. Inconsistent Dates Across Bureaus * Issue : The Date Opened is reported as XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) . The Date of Last Payment and Date of Last Active also vary across bureaus, creating confusion and inaccuracy.

* Violation : * FCRA 1681c : Incorrect dates, such as the Date of First Delinquency ( DOFD ) or other key dates, violate the FCRAs requirement for accurate reporting.

* Metro 2 Compliance : Metro 2 requires consistent reporting of critical dates ( e.g., K4 segment for DOFD ). Inconsistent dates indicate non-compliance.

* Case Law : Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ), holds that inaccurate reporting of dates constitutes a material violation of the FCRA.

* Demand : Verify and standardize all dates or delete the account entirely if unverifiable.

3. Misleading Comments and Transfer Details * Issue : The comments section notes Transferred to another lender or claim purchased and Sold to : XXXX, but the account continues to reflect delinquency, which is misleading. A transferred account should not report as delinquent unless verified.

* Violation : * FCRA 1681i ( a ) : CRAs must reinvestigate disputed information and delete it if unverifiable within 30 days.

* FDCPA 1692e : Reporting misleading information about a debts status violates the FDCPAs prohibition on false or deceptive representations.

* Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting misleading or false data via e-OSCAR, an electronic system, may constitute wire fraud if done with intent to deceive.

* Case Law : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ), confirms that furnishers must verify disputed information or delete it.

* Demand : Remove misleading comments and delinquency status or delete the account entirely.

4. Two-Year Payment History Discrepancies * Issue : The payment history shows inconsistent delinquency statuses ( e.g., 60 Days Late on XXXXEquifax, 30 Days Late on XXXX  ) for the same months, violating Metro 2s requirement for consistent payment history reporting.

* Violation : * Metro 2 Compliance : The Payment History Profile must accurately reflect the accounts status per Metro 2 guidelines. Inconsistent reporting violates this standard.

* FCRA 1681s-2 ( b ) : Furnishers must correct inaccurate payment history after a reasonable investigation.

* Case Law : Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ), holds furnishers liable for failing to correct inaccurate payment history after a dispute.

* Demand : Correct the payment history to reflect accurate status or delete the account.

5. Failure to Report Role Accurately * Issue : The account does not clearly indicate the furnishers role ( e.g., original creditor, debt buyer, or collector ) under Metro 2 guidelines.

* Violation : * FCRA 1681e ( b ) : CRAs must ensure accurate reporting of the furnishers role.

* Metro 2 Compliance : The Portfolio Type and Account Type fields must clearly identify the furnishers role.

* Demand : Update the account to accurately reflect the furnishers role or delete it.

Requested Actions Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation within 30 days and delete or correct any information that can not be verified. I demand the following : 1. Permanent Deletion : Delete the account ( # XXXX XXXX XXXX XXXX XXXX ) from my credit file across all three bureaus due to unverifiable and inaccurate information. 
2. Correction of Inaccuracies : If the account is not deleted, correct all inaccuracies, including payment status, dates, comments, and payment history, to comply with Metro 2 and FCRA standards.

3. Compensation for Damages : Pursuant to 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and credit denials.

4. Proof of Investigation : Provide a detailed report of your investigation, including all communications with the furnisher ( e.g., DCP ), as required under FCRA 1681i ( a ) ( 4 ).

5. Cease and Desist : Cease reporting this account to any third parties until the dispute is resolved, per FDCPA 1692c ( c ).

Company response to consumer: Closed with explanation