Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5485560
Complaint Overview
Complaint ID: 5485560
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New Jersey
ZIP Code: 07901
Date Received: 2022-04-22T12:00:00-05:00
Date Sent to Company: 2022-04-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am XXXX XXXX, and I am the author of this complaint. There are no additional parties involved in either the creation of this complaint, nor its contents. This is not a Validation of Debt Request- please don't reply with such details/attachments. Please do not dismiss this as such. Doing so is traceable and discoverable. Know- this is systematic, impacting a class of consumers. All of your accounts are a part of this dispute, and are in the same exact state. Please do not dismiss this as one - tradeline issue. First things first - I hereby dispute the FCRA date, and on all of your reported records on my consumer reports. Where you report - the dates are inaccurate, and - can not match. XXXX - XXXX are included in this complaint. XXXX XXXX XXXX ( XXXX ) is a Debt Collector. XXXX is not a Creditor/Credit Grantor, either by practice or by law. There is a clear delineation of these two types of entities. FTC - Legal Definition is found within the link below, and pasted for your convenience. Section 803-4,6 https : //www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text Understanding the separation, there are innate responsibilities a Creditor/Credit Grantor, or Debt Collector has in furnishing their data and to any CRA. All CRAs require consumer credit data to be submitted in ONE file format. That Format, is Metro2 ( CDIA ), links below - specifically direct DFs to publish files to a CRA in this format. https : //www.equifax.com/business/data-furnishers/consumer/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FormatRequirements The Metro2 File Specification, is called the Credit Reporting Resource Guide. I have attached - the Directives ( file specification ), from this guide that governs your data furnishing responsibilities, and as a Debt Collector. 10.1 A Debt Collector leverages the same Portfolio Type - as a Creditor/Credit Grantor The Portfolio Type is = Other Debt Collectors however, are limited to about 19 fields for a Consumers record XXXX - Routinely, sends more than what is allowed by Metro2 PRAs Additional Data, Portfolio Type and repetition, create a false, misleading and fraudulent tradeline Terms, are never allowed by a Debt Collector on a Metro2 compliant file You are sending MONTHLY ( again ) Payment History - is never allowed on a Metro2 compliant file Pay Rating - is not allowed on a Metro2 compliant File XXXX is sending ( G ) Collection, every month, along with Balance History that can never apply XXXX is publishing this ( you have deleted - and then resent this, at least once ) Equifax - is then allowing you into section 5 Other Accounts This section, is for Creditors/Credit Grantors and even by their own description Your account also says - 'Closed '' Lacks a CLOSED DATE Lacks an Activity Designator Screen shots attached as Equifax 1** This can not be expected results, as any Tech team/forensic tech, could demonstrate its failure, and all of your files create the same data ( discoverable ) An actual Collection Account and then from Equifax - section 10, is also attached XXXX consumer reporting, results in their records establishing accounts as creditors, when its never ever possible to have this relationship with them The impact to a consumer score - is known Collections naturally age off on impact to consumer scores XXXX has anchored itself, to prevent any natural progression - ever, and while they reside on a consumers file PRAs tradeline is fraudulent, mimics a creditor and is knowingly published, monthly and to all CRAs FCRA - FDCPA, and other elements of governing law XXXX prohibit your reporting, tactics and impacts to the consumer. I forgot - I build interfaces regularly, and understand technical specs === plus i just love the data. Delete your fraudulent tradeline - know, if you delete it again - there are rules expected when you try to reinsert it.
Frequently Asked Questions
What is Complaint #5485560 about?
Complaint #5485560 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-04-22T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.