Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ME)

I am exercising my consumer right to dispute information on my credit report on the grounds of Metro 2 reporting standards, and Fair Credit Reporting Act ( FCRA ), Sections 621 and 623 compliance. This is the second attempt in writing to dispute this information with my original request sent via USPS-certified mail on XX/XX/2023. I have highlighted the six accounts in dispute including the furnisher, bureau, field, and error. 

The FCRA stipulates data furnishers must report data that is accurate, consistent, and complete. Industry standards including Metro 2 are also applied to ensure consistency and accountability between consumers, furnishers, and reporting agencies. As shown, neither standard is being adhered to. 

There are multiple instances on each of the six ( 6 ) accounts where the data being provided is not complete, nor consistent across the three bureaus ( Equifax, XXXX, and XXXX ). In total, 14 data fields marked as required, per industry standards, are not populated. Furthermore, there are approximately 30 data fields with inconsistent or inaccurate information. It is generous to say the data being furnished is not accurate, consistent, or complete. 

The Maine Bureau of Consumer Credit Protection has its statutes for fair credit reporting and enforces the following actions concerning disputes : Maine law requires that the investigation be completed by the bureau within twenty-one ( 21 ) calendar days. ( Federal law is less specific, requiring that such investigations be completed within a reasonable period of time. ) If at the end of that period you are proven correct, or if the original information can not be verified, the bureau must remove the information from its records. It can not reinsert the information at a later date, unless it is first verified. After the credit bureau completes its investigation, the law requires that it notify you immediately of the results. 

The Consumer Data Industry Association ( CDIA ) has specific guidelines related to accuracy/integrity, consumer disputes, and reporting guidelines for specific accounts. Copies of these guidelines have been included for reference and again, are not being adhered to. 

In summary the information contained in the disputes sent on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, has not been verified, nor deleted within the given time frame defined on both state and federal levels. My request to review the information used to verify accounts has neither been granted nor acknowledged. This is a direct violation of my consumer rights. 

I am therefore demanding each of the six ( 6 ) disputed accounts be removed, not updated, immediately from each report at the three major reporting bureaus. Please be advised that failure to uphold your obligations as a consumer reporting agency will result in civil litigation and possible sanctions or fines from both state and federal regulators. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX