Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXXXXXX  SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Metro 2 Compliance Dispute Inaccurate Late Payment & Unauthorized Inquiries Account : XXXX XXXX Account # XXXX To Whom It May Concern, This letter serves as a formal Metro 2 compliance dispute regarding the account XXXX XXXX ( Acct # XXXX ). Equifax is reporting this account with a late payment in XX/XX/XXXX, which is factually inaccurate and must be corrected immediately. The alleged delinquency of {$3.00} is not valid and should never have been reported as a late payment. 
Metro 2 Format Correction Request ( Late Payment ) : - Base Segment : XXXX ( Account Information ) - Compliance Condition Code : XXXX  ( Consumer disputes, meets FCRA ) - Required Correction : Remove all derogatory late payment notations and report account as Paid as Agreed/ Current. 
Additionally, I am disputing the following unauthorized hard inquiries that appear on my Equifax credit file. These inquiries were made without my authorization or any permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ( a ) ( 3 ) ) and must be deleted immediately : - XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/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 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 XXXXXX/XX/XXXX Metro 2 Format Correction Request ( Inquiries ) : - Segment : XXXX ( Inquiry Segment ) - Condition Code : XXXX  ( Delete Inquiry ) - Action Required : Permanent deletion of the above-listed unauthorized inquiries. 
Pursuant to FCRA 609 ( a ) ( 1 ), I request full verification of the above items. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is obligated to delete any unverifiable or inaccurate information. 
Furthermore, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting false or misleading information.

Failure to comply with these correction requests will constitute willful non-compliance with the FCRA and Metro 2 reporting standards, and I will not hesitate to escalate with the CFPB and other regulatory authorities. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation