Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
Re : Formal Notice of Dispute Under FCRA Metro 2 Compliance Violations Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$0.00} Status : Pays As Agreed ( Closed Account ) Dear Credit Bureau, This correspondence constitutes a formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I demand an immediate reinvestigation and correctionor permanent deletionof the following materially inaccurate and non-compliant tradeline appearing on my consumer credit report : Material Violations of FCRA and Metro 2 Reporting Standards : Inaccurate Account Status : The account is reported as PAYS_AS_AGREED despite being closed with no payment activity since XX/XX/XXXX. This misrepresentation violates Metro 2 reporting requirements for accurate and truthful account status and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers report complete and accurate data. 
Incomplete Payment History : The tradeline omits monthly payment data for many months in violation of Metro 2 guidelines, which require continuous monthly payment status reporting for up to 24 months. This omission results in materially incomplete and unverifiable reporting.

Missing Date of First Delinquency ( DOFD ) : The tradeline fails to disclose the Date of First Delinquency, a mandatory Metro 2 field necessary to accurately establish the accounts adverse reporting period as required by 15 U.S.C. 1681c ( a ) ( 4 ).

Invalid Creditor Classification : The creditor classification is listed as UNKNOWN, which is not a valid Metro 2 code and renders the furnishing information incomplete and unverifiable.

Improper Reporting of Account Transfer : Although the account is noted as transferred or sold, the tradeline lacks proper designation or reporting of the current creditor, violating Metro 2 protocol

s and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Legal Remedy Demanded : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2, I hereby demand : The immediate and complete deletion of this tradeline from my credit report if any aspect of the repo
rting can not be fully verified and brought into strict compliance with Metro 2 and federal credit reporting standards ; OR The correction and supplementation of all missing or inaccurate data to meet Metro 2 compliance requirements and ensure full accuracy and completeness under the FCRA.

Notice of Intent : If you fail to correct or delete this materially inaccurate tradeline within the 30-day statutory investigation period, I will promptly file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and applicable state attorney general offices.

Furthermore, I reserve the right to pursue civil remedies under FCRA 616 and 617 for willful or negligent noncompliance, including statutory and punitive damages, attorneys fees, and court costs. 

Please provide written confirmation of your receipt of this dispute and the results of your investigation within the legally mandated timeframe.

Company response to consumer: Closed with explanation