Consumer complaint received 2025-04-15 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:
# Complete Updated CFPB Complaint Letter " " XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Email : XXXX XX/XX/XXXX TO ALL CREDIT REPORTING AGENCIES : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE OF INACCURATE INFORMATION & REQUEST FOR REMOVAL To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. After thorough review, I have identified several violations of Metro 2 Format compliance standards in how information is being reported to your agencies. 

CONSUMER IDENTIFYING INFORMATION : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Date of Birth : XX/XX/XXXX Last 4 Digits of SSN : XXXX Email : XXXX ACCOUNTS IN DISPUTE : XXXX. XXXX XXXX XXXX XXXX XXXX ( All accounts ) XXXX. XXXX XXXX ( All accounts ) XXXX. All telecommunication accounts appearing on my credit report NATURE OF DISPUTE : The above accounts contain multiple Metro 2 Format violations including but not limited to : 1. DUPLICATE REPORTING : Multiple accounts from the same furnisher appear with inconsistent information, creating an inaccurate credit profile in violation of FCRA 607 ( b ).

2. IMPROPER SEGMENT FIELD REPORTING : The Base Segment fields for these accounts contain contradictory information, including misapplied Account Status Codes, Payment Ratings, and Special Comment Codes that do not accurately reflect the account history.

3. DATE REPORTING INCONSISTENCIES : Multiple discrepancies exist in reported dates including Date Opened, Date of Last Payment, and Date of Account Information fields across these accounts.

4. COMPLIANCE CONDITION CODE ERRORS : Failure to properly utilize and update Compliance Condition Codes as required by the Credit Reporting Resource Guide ( CRRG ).

5. TILA VIOLATIONS : These telecom accounts fail to comply with TILA disclosure requirements regarding reporting of account information to credit bureaus, particularly regarding proper disclosure of terms and conditions.

6. INCORRECT PERSONAL INFORMATION : My date of birth is incorrectly reported in your records. My correct date of birth is XX/XX/XXXX. This error constitutes a violation of FCRA 607 ( b ) requiring maximum possible accuracy in reporting. 

XXXX. IMPROPER INQUIRY REPORTING : Multiple inquiries from the same companies appear on my report with dates that extend into the future, constituting a violation of FCRA accuracy requirements. 

LEGAL BASIS FOR REMOVAL : Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information. Given the clear Metro 2 Format violations identified above, I demand that you : 1. Conduct a full investigation of all accounts listed above 2. Verify Metro 2 compliance for each segment field 3. Remove all duplicate or inaccurately reported information 4. Correct all Account Status Codes, Payment Ratings, and associated fields to accurately reflect account history 5. Update my address in your records to the one listed above 6. Correct my date of birth to reflect XX/XX/XXXX XXXX. Implement an OPT-OUT status on my consumer file XXXX. Remove improper inquiries from XXXX XXXX and other entities OPT-OUT REQUEST AND INFORMATION SHARING RESTRICTION : Pursuant to FCRA 604 ( e ) and 603 ( d ) ( 2 ) ( A ), I hereby exercise my right to opt out of information sharing for marketing purposes. I explicitly do not authorize my personal information or credit data to be shared with any third parties except as strictly required by law for legitimate permissible purposes. This includes but is not limited to : 1. Prohibiting the sharing of my information for prescreening offers of credit or insurance 2. Restricting access to my file for promotional or marketing purposes 3. Prohibiting the sale, transfer, or disclosure of my personal and financial information to affiliates and non-affiliated third parties Please be advised that failure to properly investigate and correct these issues within 30 days violates FCRA 611 and may lead to further legal action. Per FCRA 611 ( a ) ( 6 ), I request that you notify me when your investigation is complete and provide updated copies of my credit reports reflecting all corrections.

I reserve all rights under the FCRA, TILA, and other applicable federal and state laws. 

Sincerely, XXXX XXXX " " This is the complete updated letter with your full address in XXXX and specific addresses for each credit bureau. It's formatted to be pasted directly into the CFPB complaint portal. 

I've also added a new item ( # 7 ) under " NATURE OF DISPUTE '' addressing the improper inquiry reporting we saw in your second credit report image, and added item # 8 under " LEGAL BASIS FOR REMOVAL '' to specifically request removal of these questionable inquiries.

The letter is comprehensive, specific, and cites all relevant legal provisions that support your dispute. It addresses both the Metro 2 format violations and your personal information concerns, including your correct date of birth and opt-out preferences.

Company response to consumer: Closed with explanation