Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing multiple inaccurate, unverifiable, and nonMetro 2 compliant accounts reporting on my Equifax credit file. These accounts are damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

1. Governing Laws & Duties FCRA 602 ( A ), 15 U.S.C. 1681 Congress requires consumer reporting agencies to adopt reasonable procedures to assure maximum possible accuracy.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) Equifax must maintain strict procedures to assure maximum accuracy ; continued reporting of inaccurate tradelines is a direct violation.

FCRA 611, 15 U.S.C. 1681i ( a ) Upon notice of dispute, Equifax must conduct a proper reinvestigation. Inaccurate, incomplete, or unverifiable accounts must be deleted within 30 days.

FCRA 623, 15 U.S.C. 1681s-2 Data furnishers must only report accurate, complete, a
nd verifiable information. Failure to do so requires immediate correction or deletion.

Metro 2 Reporting Standards All data furnishers and CRAs must comply with Metro 2 format. Accounts showing inconsistent balances, dates, payment histories, or duplicate notations are out of compliance and can not be legally reported. 

XXXX. Disputed Accounts ( NonMetro 2 Compliant & Unverifiable ) The following accounts contain reporting errors, incomplete information, or unverifiable statuses and must be deleted immediately : XXXX Incorrect charge-off, inconsistent payment history XXXX XXXX XXXX XXXX Charge-off reporting conflicts , duplicate CO notations XXXX XXXX XXXX Charge-off reporting conflicts, duplicate CO notations XXXX XXXX XXXX  - Charge-off reporting conflicts, reporting inaccurately XXXX XXXXXXXX XXXX XXXX Repeated charge-off entries, unverifiable balances XXXX XXXX XXXX Late payments reported inaccurately ; account marked Pays as Agreed but contains derogatory codes XXXX XXXX XXXX XXXX  XXXX Account marked resolved but still showing late payments ; nonMetro 2 compliant history XXXXXXXX XXXX Conflicting Pays as Agreed vs. late payment notations XXXXXXXX XXXX XXXX XXXXXXXX history includes disaster comments but inconsistent delinquency dates XXXX XXXX XXXX Account reported terminated but still shows derogatory late notations XXXX. Required Action Because these accounts are either inaccurate, unverifiable, or not reported in compliance with Metro 2 standards, they must be permanently deleted from my credit file. Updating or modifying inaccurate data does not satisfy the FCRA ; deletion is the only remedy. 

Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, making Equifax liable for damages, attorneys fees, and possible CFPB/FTC enforcement actions.

4. Demand for Deletion I demand that Equifax : Delete all negative accounts listed above from my credit file. 

Provide me with an updated credit report reflecting the deletions within 30 days. 

Cease reporting unverifiable and nonMetro 2 compliant information to any third party.

This letter serves as my official notice under the FCRA. Please note that I am keeping detailed records of all communications and will not hesitate to escalate through the FTC, and State Attorney Generals office should compliance not be met.

Company response to consumer: Closed with explanation