Consumer complaint received 2025-06-26 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: RI

Complaint narrative:
Subject : Formal Complaint Against Equifax for FCRA and Metro 2 Violations on XXXX  XXXX XXXX XXXX Accounts To : Consumer Financial Protection Bureau ( CFPB ) Complainant : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Report : XX/XX/XXXX Credit Bureau in Violation : Equifax Furnisher XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : Ending in XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Summary : I am filing this complaint against Equifax for continuing to report inaccurate and non-compliant information regarding multiple XXXX XXXX XXXX XXXX XXXX. These accounts exhibit repeated violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. 

Despite being charged off in late XXXX, Equifax continues to report late payments ( XXXX  days past due ) on these accounts into XXXX and XXXX. This is a direct violation of Metro 2 guidelines, which prohibit reporting additional delinquencies after an account has been charged off. 

Additionally, the accounts reflect inaccurate balances, dates of last payment post charge-off, high credit amounts exceeding the credit limits, and missing critical fields required for accuracy and completeness under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i. 
This creates the appearance of re-aging the debt and artificially extends the derogatory impact, which is misleading, harmful, and unlawful.

Violations Identified : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or should know is inaccurate.

15 U.S.C. 1681c ( a ) ( 4 ) : Limits on the reporting of charge-off and delinquency dates.

15 U.S.C. 1681i : Equifax failed to conduct a proper reinvestigation or correct disputed data.

15 U.S.C. 1666b : Payments made must be applied and reported correctly.

Metro 2 Guidelines : Late payments must cease post charge-off ; consistent field values are required. 



Case Law Supporting My Position : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that credit reporting agencies must go beyond parroting the furnishers response and conduct an independent, reasonable investigation. Equifaxs failure to correct these violations, despite the inconsistencies and legal infractions, reflects non-compliance with that obligation.

Resolution Sought : I am requesting the following from the CFPB : 1. Immediate investigation into Equifaxs reporting practices regarding these XXXX  XXXX XXXX charge-off accounts.

2. Full deletion or permanent correction of all inaccurate and non-compliant data. 3. Written confirmation of corrective action taken wi
thin the 30-day dispute period.

4. Possible sanctions or penalties for failure to adhere to FCRA and Metro 2 reporting standards.

Please confirm receipt of this complaint and keep me updated on the resolution process. I reserve my right to pursue further legal remedies if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief