Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Request for Removal of Accounts Metro 2 Non-Compliance Dear Equifax Team , I am formally requesting the removal of the following accounts from my credit report. Each account fails to comply with Metro 2 reporting standards, which are designed to ensure accuracy, integrity, and consistency in consumer credit reporting. 

Metro 2 compliance requirements : Accuracy : Information a furnisher provides to a consumer reporting agency must correctly reflect the account and relationship with the consumer.

Integrity : Data must be complete, truthful, and free from misleading or false reporting.

Consistency : Reported information must align across all fields ( balance, payment history, account status, last activity, etc. ). 

Failure to meet these standards constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ).

XXXX. XXXX Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Payment History, Current Balance, Account Status Details : Last Payment : XXXX | Last Activity : XXXX Why this violates Metro 2 : Metro 2 requires that the last activity date and payment history accurately reflect the accounts current status. Reporting outdated activity and incomplete balances misrepresents the account and violates accuracy and integrity standards. 
XXXX. XXXX XXXX, XXXX Account Number : XXXX Metro 2 Fields Violated : Payment History, Current Balance, Past Due Amount, Account Status Details : High Credit {$120.00} | Credit Limit {$0.00} | Last Payment : XXXX | Actual Payment : {$90.00} | Date of Delinquency : XXXXXXXX  | Activity : Paid and Closed Why this violates Metro 2 : Reporting inconsistent balances, delinquency dates, and incomplete payment history does not accurately reflect the account relationship, violating Metro 2 standards for accuracy, integrity, and consistency. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Account Status, Current Balance, Past Due Amount Details : Last Reported Update : XXXX | Last Payment : XXXXXXXX  | Last Activity : XXXXXXXX XXXX Terms Frequency : Weekly | Activity : Paid and Closed Why this violates Metro 2 : Reporting outdated account status and last activity does not accurately reflect the consumers account history, failing accuracy and integrity standards. 
4. Current Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Account Status, Payment History Details : Last Reported Update : XXXXXXXX  | Last Activity : XXXXXXXX  | Activity : Paid and Closed Why this violates Metro 2 : Last activity and payment history are not current, misrepresenting the accounts true status and violating Metro 2 accuracy and consistency standards. 
XXXX. XXXX XXXX ( Hard Inquiry ) Metro 2 Fields Violated : Account Type, Account Status, Payment History Details : Date of Inquiry : XXXX Why this violates Metro 2 : Hard inquiry reported without proper account context does not comply with Metro 2 standards for meaningful and accurate reporting, violating integrity and consistency.

Company response to consumer: Closed with explanation