Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR INVESTIGATION FCRA 611 & 623 ; METRO 2 NON-COMPLIANCE To Whom It May Concern : I am writing to formally dispute multiple inaccurate, unverifiable, and obsolete items on my Equifax credit file that violate the Metro 2 XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ). This letter constitutes a formal request for investigation and permanent deletion. 

My accurate and current personal information is as follows : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX SECTION XXXX : DISPUTE OF INACCURATE PERSONAL INFORMATION ( FCRA 611 ) The following personal information is inaccurate and must be removed immediately. I have never resided at these addresses. Their presence on my report risks file mixture and identity theft and violates Metro 2 standards regarding reporting only accurate, verifiable consumer data. 

Inaccurate Addresses for Deletion : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Furthermore, my full legal name is XXXX XXXX. Any variation or abbreviation must be corrected to reflect my accurate legal name as stated above, per Metro 2 guidelines on consumer identification. 

SECTION 2 : DISPUTE OF UNAUTHORIZED & OBSOLETE HARD INQUIRIES ( FCRA 604 & 611 ) The following hard inquiries were not authorized by me for a permissible purpose. I demand you provide evidence of my authorization for each. If you can not, they must be deleted. 

Unauthorized Hard Inquiries for Investigation & Deletion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX, XXXX SECTION 3 : DISPUTE OF INACCURATE SOFT INQUIRIES ( FCRA 611 ) I dispute the following soft inquiries. I have no knowledge of these entities pulling my credit report for the stated purposes, and I did not authorize them. They are inaccurate and must be investigated and removed. 

Inaccurate Soft Inquiries for Investigation & Deletion : XXXX ( for XXXX XXXX & XXXX ) on XX/XX/XXXX XXXX ( for XXXX XXXX XXXX  XXXX ) on XX/XX/XXXX XXXX ( for XXXXXXXX XXXX XXXX  XXXX ) on XX/XX/XXXX XXXX XXXX ( for XXXX XXXX XXXX ) on XX/XX/XXXXXXXX  Any and all other soft inquiries not explicitly authorized by me. 

SECTION 4 : DEMAND FOR DELETION OF UNVERIFIABLE COLLECTION ACCOUNT DUE TO METRO 2 & FCRA VIOLATIONS The following collection account is severely damaging my credit and is wholly unverifiable and inaccurate. I have no knowledge of this alleged debt. Furthermore, the furnisher, XXXX XXXX, is in clear violation of the Metro 2 standard, rendering the tradeline non-compliant and legally unverifiable. 

Account in Dispute : Collection Agency : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Amount : {$390.00} Date Assigned : XX/XX/XXXXXXXX  Date of First Delinquency : XX/XX/XXXXXXXX  Specific Metro 2 and FCRA Violations : 1 . Violation of Metro 2 Field Completion Requirements ( FCRA 623 ( a ) ( 5 ) ( A ) Data Integrity ) : The account is missing critical data fields mandated by the Metro 2 guide. 
The " Last Payment Date '' field is blank. This is a required field for accurately reporting the payment history and status of an account. Its absence makes the account status unverifiable. 
The " Comments '' field is blank, providing no context or validation for this alleged debt. 
2. Violation of Metro 2 Account Number Reporting Standards ( FCRA 623 ( a ) ( 5 ) ( C ) Preventing Re-insertion ) : The account number is partially obscured ( XXXX ). Metro 2 guidelines require furnishers to provide the complete account number as it appears on the original creditor 's records to ensure accurate matching and prevent re-insertion of deleted accounts. This partial reporting makes definitive verification impossible. 
3. Inaccurate Reporting of Date of First Delinquency ( FCRA 623 ( a ) ( 5 ) & Metro 2 ) : I dispute the accuracy of the " Date of First Delinquency '' ( XX/XX/XXXX ). This date is critical as it dictates the 7-year reporting period. If this date is inaccurate, the entire account is unverifiable and its reporting is a direct FCRA violation. 
4. Lack of Verification ( FCRA 611 ( a ) ( 1 ) ( A ) ) : I demand you initiate a formal investigation and provide me with the method of verification used. Merely confirming matching data fields is insufficient. XXXX XXXX XXXX XXXX XXXX XXXX, you must obtain and provide concrete proof ( e.g., a signed contract, itemized billing statements ) linking me to this specific debt. 

CONCLUSION & LEGAL DEMAND Pursuant to FCRA 611, you are required to conduct a full reinvestigation of all disputed items. For the collection account, your investigation must include a review for Metro 2 compliance. An account that does not comply with the mandatory reporting standards is, by definition, unverifiable and must be deleted.

Company response to consumer: Closed with explanation