Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter to Equifax to dispute my XXXX XXXX account as it has been reporting inaccurately across the three bureaus. I've sent in proof, supporting documentation, etc. and my claims have gone unanswered, and more recently, deemed as duplicate. Please see all attached claims. I will also post below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : XXXX XXXX Account # XXXX I am writing to again formally dispute the reporting of the XXXX  XXXX account on my credit profile. I have obtained XXXX XXXX copy of my credit report and found that several inaccuracies and instances of non-compliance with CDIAs Metro 2 reporting standards remains on my credit report even after multiple attempts of disputing this information as reported. Accurate credit reporting is crucial for consumer lenders to make informed decisions. Lenders rely on these credit reports to assess my creditworthiness when approving loans, issuing credit cards, or setting interest rates. Metro 2 compliance mandates the accurate reporting of data elements, including account balances, payment history, account statuses ( i.e., open, closed, delinquent ), and identifying information ( i.e., name, address, SSN ). 
Here are the details of the account as reported XX/XX/XXXX : ( XXXX ) : # XXXX Inconsistent! 
( XXXX ) : Required but Missing! 
( XXXX ) : Potential Error! 
( XXXX ) : Potential Error! 
( XXXX ) : Inconsistent! Deceptive! 
( XXXX ) : Potential Error! 
( XXXX ) : Mathematically Questionable! 
( XXXX ) : Deviant From Standards! 

Upon reviewing the Federal Credit Reporting Act, the Fact Act of 2010, along with the Metro 2 Compliance guidelines, FDCPA, and CDIA reporting requirements, I noticed several violations still remain on my credit report.

Key Issues : 1. Base Segment Code Field 5 : This is being reported differently across all three bureaus. Please verify this for its accuracy.

2. Base Segment Code Field 8 : This field is required per Metro 2 Standards, however it has no information listed. This should be corrected, or you must delete this information.

3. Base Segment Code Field 10 : In Base Segment Field 10 of the Metro 2 format, this field should accurately reflect the credit limit. Reporting " {$0.00} '' instead of the original amount is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to ensure that information on credit reports is complete and accurate. Reporting the original loan amount incorrectly as " {$0.00} '' rather than the correct amount misrepresents the nature of my past debt, in violation of FDCPA Section 807. Reporting in this manner is misleading and fails to meet Metro 2s guidelines, FDCPA and CDIAs requirement for accurate data representation. This should be accurate, or you must delete it.

4. Base Segment Code Field 12 : Not only is the number reported {$1200.00} wildly untrue, but its also reported differently across the three bureaus. If you can not verify the highest limit on this account, please delete in order to align with your CDIA standards along with being in compliance of the FCRA.

5. Base Segment Code Field 17A : Your reporting of the account status is inconsistent across all the bureaus. Moreover the account was paid and not derogatory. Continuing to report negative statuses even after my compliance with a stipulated agreement constitute unfair practices under FDCPA Section 808. If you can not verify this field as it stands, please promptly remove the account.

6. Base Segment Code Field 17G : Your reporting of the payment status is inaccurate and inconsistent across all the bureaus. This account was paid and the status should reflect current, or paid. Continuing to report delinquent statuses could constitute unfair practices under FDCPA Section 808. Field 17G is critical for fair and accurate reporting, and errors here could mislead creditors and violate CDIA best practices. If you can not verify this field as it stands, please promptly remove the account.

7. Base Segment Field Code 24 : Your reporting of the date of last active is inconsistent across all the bureaus. Per Metro 2 guidelines and CDIA requirements, this is a violation. If you can not verify this field as you are currently reporting it, please promptly remove the account.

8. Base Segment Field Code 25 : FDCPA prohibits misleading or deceptive collection practices ( Section 807 ). The date listed is significantly wrong and outdated. This has been disputed several times and has yet to be revised. Section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that furnishers report accurate information to consumer reporting agencies and Section 607 ( b ) mandates that consumer reporting agencies ensure " maximum possible accuracy '' in the information they maintain.

Request for Verification and Deletion : You have responded many times to my disputes over 2 years and verified that the information was reported accurately and in alignment with your governing bodies. Even after physical, undeniable truth, you continue to report erroneously. I have been disputing this account as its being reported for two years now. This has affected my credit profile tremendously. I formally demand the removal of this account. I am in the process of purchasing a home, and I am the sole breadwinner for me and my two small children. These violations allow my credit profile to be reported unfairly, inaccurately, and incomplete. Subjecting me, the consumer, to high interest rates, denials, and the like.

Eligibility for Statutory Damages : I am aware that your failure to comply makes me eligible to collect statutory damages under the law. Given the seriousness of these inaccuracies and the impact on my creditworthiness, I expect prompt action in addressing this matter. Thank you for your immediate attention. Please confirm receipt of this letter to the email listed above and provide the requested verification or confirmation of the deletion within 30 days. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation