Consumer complaint received 2025-06-03 00:00:00
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.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXXXX/XX/XXXX To : Transunion Subject : Method of Verification Request with FCRA and Metro 2 Compliance Concerns XXXX XXXX  Account Opened : XX/XX/XXXX Reported Date : XX/XX/XXXX Account Status : Closed {$0.00} Balance Current Status : Current Worst Status : Current Late Payment History Reported Dear Transunion I am writing to formally request the Method of Verification used to verify the alleged late payments associated with the above-referenced XXXX XXXX  account currently listed in my credit file. This request is made under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ). 

As of XX/XX/XXXX, the following appears on my credit report : Account shows a {$0.00} balance, closed status, and current payment status.

The worst status is also listed as current.

However, payment history reflects delinquencies, and your system indicates only 50 % of payments were made on time.

The last payment was made on XX/XX/XXXX, with no recent activity to substantiate continued derogatory remarks.

These elements are in conflict, and your bureau is required by law to ensure both accuracy and consistency in credit file reporting.

What Im Requesting Under FCRA 611 ( a ) ( 7 ), please provide : A full description of the procedure used to verify the accuracy of the reported late payments.

The name, address, and telephone number of the person or entity ( e.g., XXXX XXXX  or any third-party verifier ) who provided the payment information.

All documentation received from the furnisher substantiating the late payments, including any account statements, internal records, or audit trails.

Cited Violations FCRA Violations : 1681e ( b ) Failure to report information with maximum possible accuracy.

1681i Improper or insufficient reinvestigation of disputed data.

1681s-2 ( b ) Furnishers must correct or delete inaccurate or unverifiable information.

Metro 2 Compliance Violations : Conflicting Statuses Reporting an account as closed with {$0.00} balance and current status while showing delinquencies misrepresents the accounts true condition.

Post-Closure Derogatories No new delinquencies should be reported after account closure and {$0.00} balance, per Metro 2.

Incomplete or misleading payment history Gaps or partial data presented alongside a negative 50 % on-time label violate Metro 2s required structure and integrity for payment history ( XXXX  XXXX, XXXX XXXX ). 

Action Requested Please provide the verification information requested above within 15 days. If you can not provide documentation that fully verifies the late payments in compliance with FCRA and Metro 2, then you are legally obligated to delete the disputed derogatory data from my credit file.

Failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and consideration of further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief