Product: Credit reporting, credit repair services, or other personal consumer reports

Metro 2 / e-OSCAR Compliance Deficiencies and FCRA willful violations - XXXX  Bank credit card XXXX  inaccurately reported in Metro 2 as old card XXXX  
- [ ] Despite my clear disputes for willful FCRA violations, XXXX  and every CRA are NOT Metro 2 Compliant which should have forced and requested e-OSCAR to verify whether every item and every required field is filled in accurately, mandatorily and logically 100% perfect to meet compliance standards, as set forth in the 355 page Credit Reporting Resource Guide to meet ALL of the requirements of the FCRA, FCBA, and ECOA to insure maximum accurate and complete information on my credit history.  My paper credit reports of Experian, XXXX XXXX XXXX of XXXX showed that I never missed a payment to any creditor.  However, supplemental and additional data omitted illegally from my paper credit report but included in Metro 2 files in XXXX XXXX showed that I had been 60 days past due with a 100% perfect which is not only illogical but impossible as I have always had a perfect payment record on every account.  Numerous credit scoring and credit data analysis firms such as XXXX XXXX  access Metro 2 credit data to report scores and account changes and payment records.  Metro 2 coding errors and data concealed from paper credit reports prevents errors from being known and corrected by consumers in willful violation of the FCRA. Metro 2 is available to lenders who use information concealed from consumers which most likely contains inaccurate data such as late payments.  My credit score was 200+ points below what it should have been due to the concealed and inaccurate 60 day late payment inside Metro 2 and concealed from my paper reports.  I have complained to every CRA and the improper verification responses have been to ask me what data is incorrect instead of researching my Metro 2 data to tell me what data is in Metro 2 that is concealed from my paper credit reports.  Consumers are scammed by Metro 2 inaccurate data concealed from paper reports resulting in a systematic inappropriate reporting system in substantial and known violation of laws including the FCRA.  In fact, the whole Metro 2 system is useless since it contains data visible to others but concealed from consumers.  How can a consumer check data for accuracy on paper credit reports when a complete set of conflicting and additional supplemental data is available inside Metro 2 yet undiscoverable, concealed and Unknown to innocent unsuspecting consumers???  Metro 2 even scams sophisticated consumers who frequently check paper credit reports fir accuracy. Therefore, my XXXX  Closed account plus all my closed accounts must be permanently deleted from every CRA unless and until an independent unbiased capable entity certifies that all Metro 2 data is 100% accurately coded and properly incorporated in my paper data credit reports so that Metro 2 data is 100% identical to my paper reports. I maintain that Metro 2 data will always contain data not available and not visible on paper credit reports in willful violation of the FCRA.  Therefore, my XXXX  and every CRA must promptly permanently delete my XXXX  and other closed accounts and, in the interim until deletion, report accounts as disputed by consumer, closed by consumer, consumer affected by a natural or declared disaster, payment deferred, affected by COVID-19,  etc for which Metro 2 does not even have the fields and capability to accurately insure such required items are reported completely, consistently, logically and accurately monthly without the possibility of change through updates causing improper removal of codes and code replacements.  XXXX  does not understand this and it is incompetent and incapable of complying with the FCRA and Metro 2 mandatory coding as will be shown herein.  This matter is ripe for investigation by the CFPB and Florida AG who has an injunction against XXXX  for deceptive, unfair and unlawful trade practices.  I need from XXXX  every Metro 2 data submission since XXXX  with a manual reconciliation to explain each and every paper entry in my credit report for every item and field.  I need the Metro 2 transcribed to what is actually in its system as I know the codes (such as XA, XB, XC, XD, XE, XFetc) and I know what the codes mean but I do not know exactly what code has been reported since coding may be illogically, subjective, improper, temporary and changing with erroneous and inconsistent coding. My credit reports change multiple time daily with codes removed, replaced, removed, replaced, removed, etc erroneously and inaccurately in willful violations of the FCRA.  Once my account is closed it must remain as closed but a furnisher subsequently reporting a closed account as disputed usually will remove the closed account code in violation of the FCRA and replace it with a dispute code instead of keeping both the closed and disputed designation.  Garbage in means garbage out.  Metro 2 gets complicated in my case when I have a XXXX  acct with a wrong account number which is closed, disputed, affected by a natural or declared disaster, payment deferred, paid from insurance, failed to be reported monthly, etc where the Metro 2 codes cannot properly report the mandatory obligated FCRA requirements.  Moreover, XXXX  has shown that it is incapable of understanding Metro 2 and is unqualified and unwilling to report accurate credit data.  The integrity and reportability of my XXXX  and other closed accounts is called into question as mandatory data fields are missing, contested and cannot be verified and certified as perfectly compliant, mandating deletion entirely.  Not only are numerous required fields in segments missing entirely, but many fields are inaccurate, and more importantly, Furnishers do not understand how to accurately code the complex mandatory compliance codes.  XXXX  does not even know what a closed account is under Metro 2 so it inaccurately reported my account that I closed in XXXX XXXX as open and refuses to mark my account as closed as required by the FCRA and Metro 2.  XXXX  claims that it closed my account to purchases when I closed my account but it will never mark my account on my credit report as Closed unless and until I pay my balance in full.  All XXXX  has to do is read Metro 2 to see that an account is closed by a consumer when requested even if there is a balance.  Metro 2 and the FCRA clearly requires marking my account as closed promptly after my admitted closure in XXXX.  If XXXX  does not understand Metro 2 and the FCRA and its obligations and prohibitions how can XXXX  be permitted to continue to report under Metro 2??? It is almost 2 months and XXXX  has failed to mark my account as closed, disputed, affected by natural or declared disaster on a monthly basis?  My closed XXXX account is still willfully inaccurate as it is still reported as OPEN on XXXX on my 3 credit reports,  As of XXXX, XXXX  last reported my account to XXXX  on XXXX in willful violation of the Metro 2 requirement to report monthly.    CRAs know Metro 2 requires monthly reporting.  CRAs have the responsibility to delete my account before XXXX  responds.  XXXX  does not even know how  to report account numbers accurately in Metro 2 as my account number continues to be reported as XXXX  even though my account number was changed to XXXX  about 3 years ago.  Metro 2 is too complicated for XXXX  to use and it is obvious that it does not understand how to change account numbers or it just shortcuts its obligations and refuses to accurately report my account accurately.  Simply stated, XXXX  is not Metro 2 compliant as it does not understand  the system and the 355 page guidelines  requiring proper coding for fields for Closed, Disputed, inaccurate data and account numbers and accounts affected by COVID and natural and declared disasters, all of which are missing from my XXXX  file for months. XXXX  has failed to monthly report my account since it last reported to XXXX  on XXXX as of XXXX.  Clearly, XXXX  is not Metro 2 compliant mandating deletion.  XXXX  does not have the ability or desire to accurately report. Metro 2 field 17A must include DA immediately to prevent irreparable harm and to avoid further willful FCRA violations with punitive damages exceeding XXXX based on 11th circuit USCA decisions for jury awards of XXXX for a single failure to report the account as disputed.  XXXX  is a recalcitrant lender who does not know the law and refuses to follow its known obligations.  XXXX  should attempt to mitigate damages instead of alienating me and increasing its obligation to pay me significant damages. I claim past statutory and other damages to offset the frivolous and uncollectable disputed balance which I claim is XXXX, mandating dismissal and deletion of my XXXX  account permanently.  I demand XXXX  and every CRA disclose every Metro 2 coded field since XXXX to ascertain what is actually exactly reported and at the same time asking them to manually reconcile paper conflicts.   I do not understand why XXXX  refuses to immediately mark my account as Closed, disputed, deferred, affected by COVID and a natural disaster, etc.  What is its sinister goal???? A Metro 2 Compliance request triggers e-OSCAR to electronically evaluate whether every piece of data was mandatorily perfect and complete Metro 2 Formatted Reporting Standards was properly reported within the compliance standards set forth by the FCRA.  CDIA definitions that go along with Metro 2 Language are either unknown, not read, not considered, or just purposely evaded by XXXX  or purposely violated due to incompetence or willful disregard.  Obviously, a systematic problem exists at XXXX  affecting its similarly situated cardholders.  Closed accounts at XXXX  are never reported as closed in willful violation of the FCRA.  I demand that XXXX  immediately stop reporting my account as OPEN.   My account is closed since XXXX and such date closed is required to be permanently entered into Metro 2.  XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  Compliance Condition Codes are used to reflect accounts Closed at Consumers Request AND Accounts Disputed By Consumer to comply with mandatory reporting under the FCRA, FCBA and FDCPA.  XXXX  does not even know the Definition of a closed account is and what a dispute is and it has not put any of the multiple mandatory codes into Metro 2 in complete and willful violation of the FCRA and other laws, both State and Federal.  XXXX  knows that my account is Closed and disputed yet it knowingly refuses to enter any Compliance Condition Codes in willful violation of the FCRA.  Simply stated, no code means XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  My XXXX  and Experian reports are not reported monthly as required under Metro 2. (See Attached Experian reports of XXXX and XXXX showing XXXX as last reported date). Rather than promptly reporting my account as CLOSED on XXXX as required with a simple update, XXXX  completely stopped reporting since XXXX in violation of Metro 2. Apparently, XXXX  does not know how to enter mid cycle updates or it is just incapable of monthly reporting and mandatory prompt and immediate mid-cycle updates required by Metro 2 to comply with the FCRA.  My attached XXXX  report of XXXX shows inaccurately shows my XXXX  account number as XXXX  instead of XXXX. an inaccurate variable/adjustable rate, an inaccurate date of last payment, missing data for XXXX XXXX etc,, inaccurate date of last activity, missing deferral date, missing date closed, missing Closed account status, missing dispute code and other FCRA compliance codes.  Despite my disputes, XXXX  has failed to promptly and immediately update inaccurate disputed information to CRAs apparently willfully or because it does not understand how to update with Metro 2 / e-OSCAR protocols.  Reporting inaccuracies must be corrected promptly in order to comply with the FCRA.  See section 623(a)(2)(B).  The e-OSCAR Consumer Dispute System is designed and required to have built-in edits and safeguards to prevent illogical responses and impossible entries such as deletion of a closed account status resulting in a closed account inaccurately reported as open.  Similarly, once a consumer is marked as deceased, Metro 2 must prevent the person to be reported as alive by not permitting illogical coding entries. Replacing a required field with a blank field or zero to force Metro 2 to accept data for updates and submission must not be tolerated.  The CFPB website, like most websites, prevents submission until all required fields are marked and entered.  Metro 2 has no such controls so it allows submission of blank and inconsistent data without any effective checks and controls or allows furnished to evade requirements.  The numerous blank data fields demonstrate that XXXX  cannot and has not complied with Metro 2 standards and any one of the multiple blank required fields is grounds, standing alone, to delete my entire account for Metro 2 Compliance deficiencies and FCRA violations.  Every Metro 2 field has a purpose and no field must be blank under any scenario.  The entire Metro 2 Compliance safeguards are nonexistent.  Information within a dispute response must be complete and logical to insure maximum possible accuracy pursuant to well settled law. There are multiple coding duplicate safeguards to insure Metro 2 compliance.  For example not only does Metro 2 require a permanent Compliance Code for a closed account to comply with the FCRA but Metro 2 requires the entry of the actual DATE CLOSED so the closed status must be reported in 2 fields to prevent coding evasion.  Purposely entering blank required fields to force Metro 2 to update a submission constitutes a willful and deliberate violation of the FCRA and Metro 2 intended protocols. The incomplete, delayed and inaccurate  XXXX  reporting, with missing mandatory and required Metro 2 fields, should have required e-OSCAR to delete my account due to multiple Metro 2 Compliance deficiencies.  XXXX  should have been notified by CRAs of its reporting deficiencies or otherwise blocked from reporting entirely.  XXXX  has been negligent by failing to update its internal controls and record keeping to avoid and prevent re-reporting incorrect and illogical information.  XXXX Frequently Asked Questions and Answer, Question 64, discusses How should a replacement credit card be reported. XXXX  either does not have competent staff to understand Metro 2 or it just refuses to comply to save money.  In my case, my old acct # XXXX  was required to be updated with the new account number of XXXX (changed about 3 years ago) so XXXX  is NOT 100% Metro 2 Compliant mandating deletion.  Exact account number reporting is mandatory for many reasons including an internal control to prevent duplicate reporting of accounts especially when accounts are sold or transferred to others.  I have made multiple disputes but not only has XXXX  noticed yet failed to fix the obvious account number inaccurate account number but not one CRA has noticed the error nor forced Metro 2 updating of the correct account number as required to be Metro 2 compliant.  My Experian paper report conceals the last 4 digits of my XXXX  account number so I could not discover the inaccurate account numbers and inaccurate reporting in willful violation of the FCRA. On the other hand, XXXX  just reports just the last 4 numbers of XXXX  account on my paper so that the complete account number is discoverable to scammers by merely looking at 2 separate credit reports.  The FCRA and Metro 2 require the complete account number into Metro 2 and paper credit reports to insure accuracy and prevent duplication.   The ineffective procedure of partially blocking 4 or more account numbers on paper reports is counterproductive, achieves no valuable benefit or protection and deprives consumers of the right to determine accuracy especially if accounts are transferred. Since there is XXXX liability for credit fraud to consumers, complete account numbers must be reported on every CRA pursuant to the FCRA especially on Closed accounts, such as XXXX, which should be blocked.  The partially blocking of account numbers has protections for furnishers and no benefits for consumers, so every account on my credit report is inaccurate and not Metro 2 Compliant mandating deletion of every account including my XXXX  account. XXXX  answer to Question 58 required XXXX  to Report my account as deferred along with Special Comment AW (Affected by Natural or Declared Disaster) and other coding mandatory field entries negligently or intentional omitted in violation of the FCRA.  As XXXX  knows I live in XXXX  and I told it many times that I took a direct hit from Hurricane Ian in XXXX XXXX and I have been seriously affected by the FEMA declared natural disaster, not only has XXXX  willfully violated its specific obligation under the FCRA to report on my credit report  Affected By Natural or Declared Disaster, Compliance code AW, but it claims I am late despite the prohibition of late reporting due to Hurricane Ian.  Again, XXXX  is apparently deliberately negligent or untrained in meeting its mandatory obligations under Metro 2 contained in the 355 page Guide or it has maliciously and purposely violated the FCRA to hopefully induce me to pay disputed account charges thereby entitling me to XXXX+ in statutory and punitive damages so my claims exceed the smaller XXXX  disputed claim.  XXXX  and every CRA must enter account status code DA in field 17A to avoid and mitigate damages.  How about the mandatory Date of First Delinquency that furnishers and CRAs never report accurately. It is about time XXXX  sends its employees Back to School to learn about its obligations to insure maximum possible accuracy coding required under Metro 2/e-OSCAR/FCRA/FCBA/etc.  Garbage IN means Garbage OUT. Worst yet is leaving mandatory required fields BLANK in complete disregard for the requirements of Metro 2 and the FCRA.  Exhibit 8 of the XXXX  regarding Compliance Condition Codes, which is reported in Field 20 of the Base Segment, is used to reflect accounts Closed at Consumers Request, and, inter Alia, consumer disputes under the FCBA, FDCPA and FCRA.  Numerous Condition Codes exist (XA, XB, XC, XD, XE, XF, XI, XH, XJ etc) exist mandating reporting Accounts Closed at Consumers Request with the DEFINITION:  Reported when a consumer requested an account be CLOSED with an Important Note: Report the DATE CLOSED as the date the account was CLOSED TO FURTHER PURCHASES which XXXX  acknowledges was in XXXX XXXX.  Field Definitions in Metro 2 for #26 state: Date Closed  the date the account was closed to further purchases there may be a BALANCE DUE.  I need to repeat again and again what the FCRA and Metro 2 require in the 355 page guide.  Definition: Reported when a consumer requested an account be closed with an Important Note: Report the Date Closed as the Date the account was closed to further purchaseswhich XXXX  letter acknowledges was in XXXX. Again, Field Definitions for #26 Date Closedthe date the account was closed to further purchasesthere may be a balance due.  There can be absolutely no doubt that XXXX  has no idea of what a Closed account is and what the FCRA, case law, and the 355 page Metro 2 guide defines.  Or worse it has lied, lied, lied to federal investigators and its own superiors mandating disciplinary action against employees conspiring to violate the FCRA.  XXXX  top management needs to take disciplinary action against its staff for unconscionable conduct. XXXX  frivolous and illegal position that it will never report my account as closed unless and until I pay the entire balance in full is absolutely ridiculous and in willful and malicious disregard for the FCRA mandating maximum possible Statutory and Punitive damages plus Attorney Fees exceeding XXXX.  Does XXXX  want a US District Court jury to punish it if it is wrong?  Does XXXX  want to spend XXXX in legal fees and related expenses only to lose?  Does XXXX  want a US District Court to ask a US Magistrate Judge to issue a Report of Findings of Fact and Conclusions of Law to be reviewed by the US District Court Judge for judgment and Rule 11 sanctions?  Does XXXX  want the CFPB and the Florida AG to prosecute it?  Does XXXX  employees want to risk losing their jobs for knowingly, deliberately, maliciously, negligently and purposely violating the FCRA in bad faith?  Is there criminal conduct under multiple federal statutes for lying to federal authorities?  XXXX  top management and  below have no idea what the FCRA and Metro 2 straight forward Definitions are for a closed account or worst it knows my account is closed yet it continues to illegally report my account as Open for a sinister purpose.  XXXX  knows that my account was closed yet it refuses to report my account as Closed in willful violation of the FCRA, Metro 2 etc even though it acknowledges my phone call demand to close my account in XXXX resulting in not only a closure, by definition, but XXXX  blocking my account from further purchases thereby meeting the Metro 2 definition of a Closed account.  XXXX  falsely claims that my account will NEVER be reported as closed until my entire balance is paid in full.  I closed my account in XXXX  but XXXX  refuses to report my account as closed and just willfully violated the FCRA and Metro 2 by reporting my account as OPEN.  XXXX  had systematically, maliciously, deliberately and willfully violated the FCRA and Metro 2 resulting in inaccurate and incomplete reporting of data including blank data and codes in data fields in Metro 2 that XXXX  and CRAs refuse to adequately investigate.  Once I called XXXX  by phone and demanded it close my account and XXXX  at that time processed my closure request telling me my account was now closed telling me the account was blocked from further purchasers so I needed to advise merchants not to use my closed account further, XXXX  was required to PROMPTLY in a matter of a few days or minutes (not months) report my Account As Closed By Consumer forever keeping it Closed with every CRA never to be changed or deleted. Reporting an account as closed should be an instantaneous and automatic credit reporting process as it happens so frequently.  XXXX  blocked my account from further purchasers and read me the disclosure statement on its recorded line that my account was closed which I demand a certified copy of such transcript herein as additional proof of XXXX  wrongdoing.  This is certainly a learning lesson for XXXX  so its staff may understand and comply with its obligations under the FCRA and Metro 2.  Treating Consumers as stupid with disrespect is a terrible way to respond to bona fide complaints and disputes., especially when CFPB complaints can be viewed online for the public to read.  Does XXXX  really want to risk multi jurisdictional civil and criminal litigation over the Definition of a Closed Account?  The Definition of what a Closed account under the FCRA and Metro 2 is absolutely clear and its repeated definitions cannot be challenged under any scenario. Your Law firms will risk damaging their reputation and licenses by claiming my Closed XXXX  account is still Open when faced with a Rule 11 motion and action for sanctions for frivolous conduct.  What is wrong with XXXX? Is your XXXX  parent telling you to lie to federal authorities?  Are your executives stupid?  Do you think the CFPB is stupid? Do you think a jury and US District Court Judges are stupid?  Well, I am obviously NOT stupid and it is obvious that I am furious about the entire credit reporting system and its lack of controls.  The CFPB knows and has acknowledged unacceptable systematic FCRA violations. I just cant believe XXXX  insists on reporting my Closed account as Open.  Keep being STUPID and XXXX  will pay bigger and bigger  serious consequences.  Customers must be treated with respect not treated as Stupid by untrained inexperienced or stupid employees who do not act in the banks best interest.  When I filed my complaint with the CFPB, you should have taken the complaint seriously and tried everything to satisfy me by even giving me more than I asked for instead of being stupid.  XXXX  should have reduced my interest to 0% and just offer to pay me a XXXX statutory damage amount while not admitting or denying wrongdoing.  Moreover, XXXX  should have offered to permanently delete my account from every CRA as that would cost XXXX.  But XXXX  is not only stubborn but a stupid recalcitrant lender who would never offer a XXXX concession but would prefer to spend millions rather than make needed token concessions. Businesses pay huge sums to answer customer service phone calls and concessions are the cheapest and most effective way to satisfy and retain customers.  But obviously, XXXX  has alienated me (and others similarly situated) by treating me as stupid even after filing a CFPB complaint.  What would XXXX XXXX  Parent in XXXX  say when matters get out of Control and no one wants to acquire you?  I could continue for 20 more pages quoting the FCRA, Metro 2 Guidelines, statutory intent, criminal federal statutes, CFPB policies, Case law etc but XXXX  is required to know all that and have its Staff trained and knowledgeable.  This Complaint will certainly assist XXXX  staff in understanding its obligations under the FCRA and Metro 2.   I am entitled to relief as a consultant would charge huge amounts for what I have told you about your deficiencies.  Once my account was closed, XXXX  was prohibited to report my account with a variable interest rate so again XXXX  coding with a variable rate is inaccurate which everyone missed after closure.  XXXX  needs to send its staff and upper management Back To School to Metro 2 workshops, e-learning courses and seminars.   The industry Reporting Standards of Metro 2 to insure integrity and consistency of credit information requires:  All Accounts must be reported a minimum of once per month.  Prompt immediate and button-pushing automatic mid cycle updates are required especially for Closed, Disputed and accounts Affected by Natural or Declared Disaster.  XXXX  has failed to meet these and other Metro 2 obligations because as of XXXX, my last XXXX  update to XXXX  and Experian was XXXX per the attached.  Pursuant to section 1682 et seq of the FCRA, XXXX  and every CRA may be liable for willfully and negligently failing to follow reasonable procedures to assure maximum possible accuracy.  XXXX  is out of control. XXXX  numerous deliberate deficiencies of illegally withholding and inaccurately concealing and reporting false and missing required account data is purposely intended to negatively affect a consumer credit score in complete willful violation of the FCRA.  XXXX  has escalated my complaint issues to a high level executive department so there is no defense or excuse of new or inexperienced employees or other type of employee error or negligence as my dispute issue responses are purportedly prepared and investigated by senior level experience staff and reviewed by higher level experienced staff.  While Rule 11 sanction requests for frivolous conduct in federal courts permit violators to escape sanctions due to a 30 day safe harbor, willful violations of the FCRA cannot escape statutory and punitive damages. Some attorneys prefer to immediately file FCRA lawsuits upon discovery of violations. My efforts are intended to provide repeated notice of XXXX  illegal conduct so that FCRA violations can be corrected to mitigate damages.  If XXXX  willfully continues to violate the FCRA despite numerous warnings, higher punitive damages will be incurred.  I believe that XXXX  will never admit FCRA violations due to its internal policies for dealing with FCRA violation complaints.  So despite my indisputable detail of widespread and systematic illegal conduct known to be illegal, I expect XXXX  will continue to willfully violate the FCRA rather than just delete my account permanently from every CRA.  CFPB Director XXXX XXXX recently said around XXXX XXXX XXXX: XXXX  is an out/of-control repeat offender that believes it is above the law.  I am concerned that XXXX  leadership is either unwilling or incapable of operating its businesses lawfully.   My XXXX  issues similarly prove that XXXX  is an out-of-control repeat offender that refuses to comply with the FCRA and is incapable of understanding and implementing Metro 2 and the most basic FCRA provisions for reporting closed, disputed, affected by natural or declared disaster accounts and data.  On XXXX XXXX XXXX Florida Attorney General XXXX XXXX  announced a settlement agreement with 34 attorneys generals and XXXX  that included about XXXX XXXX in relief nationally including future injunctive relief requiring that XXXX shall maintain policies and procedures with respect to deferments, forbearances, modifications, and other related servicing and collection matters, and ensure that these policies and procedures are followed by its employees.  I maintain that the violations of the FCRA by XXXX and its refusal to mark my offered payment deferrals due to Hurricane Ian on my credit reports constitute violations of it injunction which I will address counsel for the Florida AG.  The AG injunction also stated: XXXX  shall comply with the Florida Deceptive and Unfair Trade Practices Act, Chapter 501, Part II, Florida Statutes.  Obviously, XXXX  willful and malicious violations of the FCRA clearly constitute grave violations of Floridas Deceptive and Unfair Trade Practices also enjoined by the injunction relief agreed to by XXXX.  XXXX  is just out of control and incapable of complying with its obligations.  Metro 2 and the FCRA is just too complicated for XXXX  to administer as required mandating permanent deletion of my disputed and closed account from my credit report.  XXXX  retaliated against me for seeking deferrals offered and accepted automatically and required due to Hurricane Ian resulting in unacceptable FCRA violations and a complete disregard for requirements of Metro 2.  I insist on 100% compliance with the requirements of Metro 2 and the FCRA to prevent the inaccuracies and incomplete credit reporting.  Moreover, I demand a copy of every XXXX  Metro 2 code filed so that I can compare codes submitted versus paper reports received.  My credit file is the Metro 2 codes which is inconsistent and quite different from my paper credit reports as the Metro 2 files contain data that is not on my paper reports.  Failure to provide me with past Metro 2 filings shall constitute the same FCRA violation as failing to provide an English paper credit report or electronic copy of my credit report.  Keep in mind that an analysis of my Metro 2 codes show that I was in the past 60 days late which is impossible as my paper reports showed that I was never late to any creditor.  The Metro 2 coding is so complicated that inaccurate negative and derogatory data will always exist in Metro 2 which is not shown on a paper report to a consumer.  Metro 2 must be exactly the same as a XXXX