Consumer complaint received 2025-09-11 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 XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last 4 ) : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting under FCRA 1681i Metro 2 / XXXX  Compliance and Section 17A Considerations To Whom It May Concern : I am submitting this formal dispute regarding multiple inaccuracies on my consumer credit report. Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I demand a thorough reinvestigation and correction of all inaccurate, incomplete, or unverifiable information. This dispute references Metro 2 reporting standards, XXXX account types/status codes, XXXX instructions, EOSAR electronic validation protocols, and specifically Section 17A of Metro 2 , which governs account leverage, accuracy, and deletion thresholds. 

Section 17A establishes that accounts must be reported with complete, accurate, and verifiable data for proper scoring and utilization purposes. Accounts that fail to meet these standardsincluding missing payment updates, over-limit flags, inconsistent balances, or incorrect open/close datesmay be eligible for deletion if verification can not be completed. The accounts listed below are currently inconsistent with Metro 2 / XXXX / EOSAR standards and therefore may require deletion or correction Account XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Metro 2 / XXXX Type XXXX ( Revolving ), Status 1 ( 30 DPD ), Special Indicator ^ ( Over Limit ), High Credit {$200.00}, Credit Limit {$100.00}. Issue : Reported over-limit with potential status inaccuracy ; EOSAR validation may fail per Section 17A. 

Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Metro 2 / XXXX  Type 04 ( Open/Self ), Status 3 ( 90 DPD ), High Credit {$530.00}, Credit Limit Blank . Issue : Missing recent payment updates ; delinquency may be inaccurate; unverifiable under Section XXXX. 

Account XXXX, XXXXXXXX XXXX XXXX XXXX, Metro 2 / XXXX  Type 04 ( Open/Self ), Status 0 ( Current ), High Credit {$530.00}, Credit Limit Blank . Issue : Payment history incomplete ; reporting may fail Section 17A verification. 

Account XXXX, XXXX XXXX XXXX  XXXX / CIDA Type 01 ( Revolving ), Status 9 ( Paid/Closed ), High Credit {$510.00}, Credit Limit Blank . Issue : Closed account ; ensure EOSAR reflects accurate closure per Section 17A compliance. 

Account XXXXXXXX XXXX XXXX XXXX XXXX / CIDA Type 01 ( Revolving ), Status 9 ( Paid/Closed ), High Credit {$980.00}, Credit Limit Blank . Issue : Open date appears inaccurate; unverifiable ; deletion may be required if verification fails under Section 17A. 

Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIDA Type 01 ( Revolving ), Status 23 ( 6090 DPD ), High Credit {$600.00}, Credit Limit Blank , Balance {$510.00}. Issue : Scheduled vs actual payment discrepancy ; potentially inaccurate reporting per Section 17A. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIDA Type 01 ( Revolving ), Status 0 ( Current ), High Credit {$600.00}, Credit Limit Blank . Issue : Last payment verification required ; Section 17A compliance must be ensured.

Company response to consumer: Closed with non-monetary relief