Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XXXX : XXXX * * Date * * : XX/XX/2025 * * Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  | Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) * * Subject * * : * * Final Demand for Correction of Systemic FCRA Violations, Deletion of Fraudulent Accounts, and Uniform Accuracy Across All Credit Bureaus * * To Whom It May Concern : Under the * * Fair Credit Reporting Act ( FCRA 1681i ) * *, * * Fair Debt Collection Practices Act ( FDCPA 1692e ) * *, and * * Metro 2 Compliance Standards * *, I demand the immediate correction of * * fraudulent, deceptive, and unverified information * * that has persisted on my credit reports for * * over a decade * *. The systemic negligence of Equifax, XXXX, and XXXX  has resulted in catastrophic harm to my financial reputation, including false payment histories and misreported derogatory accounts.

-- - # # # * * Legal Basis for Dispute * * 1. * * FDCPA 1692e * * : Prohibits debt collectors ( e.g., XXXX XXXX XXXX ) from * * falsely claiming to be the original creditor * *. 
2. * * FCRA 1681e ( b ) * * : Requires credit bureaus to follow procedures ensuring * * maximum accuracy * *.

3. * * Metro 2 Compliance * * : Violations include incomplete creditor details, duplicate accounts, and unverified payment histories.

4. * * CFPB UDAAP Violations * * : Persistent inaccuracies constitute * * unfair and deceptive practices * * under 12 U.S.C. 5531.

-- - # # # * * Disputed Information * * # # # # * * 1. Fraudulent Creditor Misrepresentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * ( XXXX ) XXXX Falsely listed as the original creditor ( violates FDCPA 1692e ( 2 ) ( A ) ). 
- * * XXXX XXXX XXXX XXXXXXXX * * ( XXXX  ) : Original creditor misidentified ; no validation provided. 

# # # # * * 2. Inaccurate Payment Histories * * - * * XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX * * : - * * 19 falsely reported late payments * * across bureaus ( e.g., Equifax : 6 missed ; TransUnion : 9 missed ). 
- * * True Payment History * * : 100 % on-time payments.

# # # # * * 3. Employment/Address Inconsistencies * * - * * Employment * * : Variations in employer names XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). 
- * * Addresses * * : Discrepant addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

# # # # * * 4. Metro 2 Noncompliance * * - Accounts lack * * original creditor details * *, * * date of first delinquency * *, and * * proof of ownership * *.

-- - # # # * * Demanded Actions * * 1. * * Delete All Fraudulent/Unverified Entries * * : - XXXX XXXX XXXX ( {$580.00} ). 
- XXXX XXXXXXXX XXXX XXXXXXXX ( {$1100.00} ). 
- All late payment notations ( XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, etc. ). 

2. * * Update All Accounts to Paid as Agreed * * : - Correct payment histories to reflect * * 100 % on-time payments * *. 

3. * * Standardize Employment/Address Data * * : - Remove outdated/erroneous entries ( e.g., 5208 Entino Rd ).

4. * * Conduct e-OSCAR Audits * * : - Investigate Metro 2 compliance failures and systemic inaccuracies across all bureaus.

-- - # # # * * Legal Notice * * Failure to resolve these violations by * * XX/XX/2025 * * will result in : - Lawsuits against Equifax, XXXX, and XXXX  for * * willful FCRA violations * * ( up to {$3500.00} per violation ). 
- Complaints to the * * CFPB * *, * * FTC * *, and * * Texas Attorney General * * for : - FDCPA violations ( XXXX XXXX XXXX ). 
- XXXXXXXX XXXX  ( 12 U.S.C. 5531 ). 

- Prior dispute records ( if available ). 

* * Confirmation * * : Redact my full SSN ; use * * XXXX * * for identification. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief