Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
FORMAL DISPUTE LETTER METRO 2, FCRA & e-OSCAR VIOLATIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX To : Transunion Subject : Formal Dispute of Inaccurate Reporting Flagstar Bank FHA Mortgage Metro 2, FCRA & e-OSCAR Noncompliance Dear Transunion I am writing to formally dispute inaccurate and misleading information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 Credit Reporting Guidelines, and e-OSCAR dispute handling procedures. 

The account in question is : Creditor : XXXX XXXX  Account Number : XXXX Account Type : XXXX XXXX  Date Opened : XX/XX/XXXX Status : Transferred, Closed ( XX/XX/XXXX ) Reported Delinquency : 30 days late ( XX/XX/XXXX ) VIOLATIONS IDENTIFIED : FCRA Violations 15 U.S.C. 1681s-2 ( a ) & ( b ) XXXXXXXX XXXX , as a data furnisher, is legally required to report accurate and complete information. The continued reporting of a delinquency after a transfer or sale of the account may be inaccurate, misleading, or unverifiable, especially if the servicer no longer owned or serviced the loan at that time.

A furnisher may not report information that it knows or has reasonable cause to believe is inaccurate. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Metro 2 Guideline Violations According to Metro 2 standards, once an account is transferred/sold, the data furnisher must : Report the account as Transferred/Sold Cease reporting of new delinquencies Report the balance as {$0.00} Update the Account Status Code to reflect closure due to transfer, not ongoing derogatory status The account history for XX/XX/XXXX reports a 30-day delinquency, yet the account was closed shortly thereafter. If the loan servicing rights were already transferred before or during this time, continued reporting of derogatory marks is noncompliant with Metro 2.

e-OSCAR Violations If this dispute has been processed before through e-OSCAR and resulted in a verified outcome without actual reinvestigation, that would constitute willful noncompliance under FCRA 1681i ( a ) ( 1 ) ( A ). Credit bureaus are required to reasonably investigate disputes and obtain verifiable data from furnishersnot simply parrot back previously reported data.

REQUESTED ACTIONS I formally request that : You perform a full reinvestigation under FCRA 1681i. 

You contact the data furnisher ( XXXXXXXX XXXX ) and confirm : The exact transfer/sale date The accuracy and legality of the XX/XX/XXXX late payment If unverifiable or inaccurate, you delete the XX/XX/XXXX XXXX late mark and update the account as Transferred/Closed Paid/Zero Balance. 

Please respond in writing with the results of your investigation within 30 days, as required by law. If this matter is not properly resolved, I am prepared to escalate the issue by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My state Attorney General The original creditor, XXXX XXXX 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief