Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Account XXXX XXXX XXXX Dear [ Credit Bureau XXXX ] and [ Data Furnisher Name ], Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Metro 2 compliance standards, I am writing to formally dispute the inaccurate and unverifiable information listed on my credit report regarding the account referenced below. I demand a thorough investigation, correction or permanent deletion of all inaccurate data, and compensation for damages caused by these violations. The account in question is as follows : * Account Holder : * Account Number : XXXX XXXX Original Creditor : Department of State * Data Furnisher : Department XXXXf Treasury-XXXX * Account Status : Paid in XXXX a Collection * Date Opened : XX/XX/XXXX * Date Closed : XX/XX/XXXX * Date Last Reported : XX/XX/XXXX * Balance : {$0.00} * High Balance : {$200.00} * Estimated Removal Date : XX/XX/XXXX Identified Inaccuracies The following inaccuracies violate FCRA, FDCPA, and Metro 2 standards : XXXX. Incorrect Personal Information : * Phone Number : The reported phone number, ( XXXX ) XXXX, is incorrect and does not belong to me. 
* Address : The reported address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is incorrect and does not reflect my current or past residence. 
* Violation : Reporting incorrect personal information violates 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. Inaccurate personal data undermines the integrity of the credit file and risks misidentification, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the court held that inaccurate personal information constitutes a material violation of the FCRA. 
XXXX. Inaccurate Date of First Delinquency ( DOFD ) : * The credit report does not explicitly state the DOFD, which is a critical component required under 15 U.S.C. 1681c ( g ) and Metro 2 guidelines ( XXXX XXXX Date of First Delinquency ). Failure to report or inaccurately reporting the XXXX misleads consumers and creditors regarding the statute of limitations and reporting period. If the XXXX is incorrect or unverifiable, this constitutes a violation of 15 U.S.C. 1681c and Metro 2 standards, as seen in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where improper reporting of delinquency dates was deemed actionable. 
XXXX. Account XXXX XXXX : * The account is listed as XXXX in XXXX a XXXX with an estimated removal date of XX/XX/XXXX. If the XXXX is prior to XX/XX/XXXX ( XXXX years before the estimated removal date ), the account may be reported beyond the permissible XXXX period under 15 U.S.C. 1681c ( a ) ( 4 ). Additionally, Metro 2 requires accurate reporting of account status codes ( e.g., XXXX XXXX for current, XXXX XXXX for paid collection ). Any deviation from these standards violates 15 U.S.C. 1681s-2 ( b ), which mandates furnishers to correct or delete unverifiable information. 
XXXX. Failure to XXXX XXXX : * The data furnisher, Department of TreasuryXXXX, has uploaded information through the e-OSCAR system without proper verification, potentially constituting wire fraud under 18 U.S.C. 1343 if the information is knowingly false or misleading. Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and review all dispute-related information. Failure to do so, as seen in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a violation of the FCRA. 
XXXX. Misleading XXXX XXXX : * Any misleading or inaccurate data transmitted via e-OSCAR violates 15 U.S.C. 1681i ( a ), which requires credit bureaus to reinvestigate disputes and delete unverifiable information. The continued reporting of unverified data also breaches FDCPA XXXX, prohibiting false or misleading representations in debt collection. 
Legal Obligations and Violations * FCRA XXXX ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. Inaccurate personal information and account details violate this provision, as affirmed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* FCRA 1681s-2 ( b ) : Furnishers must investigate disputes, review all provided information, and delete or correct unverified data. Failure to comply is actionable, as seen in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
* FCRA 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation within 30 days and delete unverifiable information. Non-compliance results in liability for damages. 
* FDCPA 1692e : Reporting false or misleading information in connection with debt collection is prohibited. 
* Metro 2 Compliance : The Credit Reporting Resource Guide ( XXXX ) mandates accurate reporting of account status, XXXX, and personal information. Non-compliance risks regulatory penalties and consumer harm. 
* XXXX XXXX ( 18 U.S.C. 1343 ) : Knowingly transmitting false data through e-OSCAR may constitute wire fraud if done with intent to deceive, as noted in United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Demands XXXX. XXXX XXXX : Conduct a thorough investigation pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ). Review all documentation, including this letter and any attached evidence, to verify the accuracy of the reported information. 
XXXX. Permanent Deletion : Delete the account ( Account XXXX XXXX ) from my credit report if any information, including XXXX, personal details, or account status, can not be verified. Failure to delete unverifiable data violates FCRA and Metro 2 standards. 
XXXX. Correct Inaccuracies : Update my credit file to reflect accurate personal information ( phone number and address ) and account details, including the correct DOFD and status code. 
XXXX. Compensation for Damages : I seek compensation for actual damages, including emotional distress, financial harm, and costs incurred due to these inaccuracies, as permitted under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). Courts have awarded damages for FCRA violations, as seen in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Cease and Desist : Cease reporting unverified or misleading information to prevent further FDCPA violations. 
XXXX. Provide Documentation : Furnish proof of verification, including all records reviewed during the investigation, as required under 15 U.S.C. 1681i ( a ) ( 4 ). 
Reservation of Rights I reserve all rights under the Uniform Commercial Code ( XXXX ) XXXX, Without Prejudice, and assert that my dispute does not waive any legal protections or remedies. Failure to comply within XXXX days, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ), will result in further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential litigation for statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation