Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
# METRO 2 FORMAT DISPUTE LETTER " " XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE OF INACCURATE CREDIT INFORMATION CONSUMER ID : XXXX / DOB : XX/XX/XXXX SPECIFIC METRO 2 FORMAT VIOLATIONS To Whom It May Concern : This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding multiple accounts on my Equifax credit report that contain technical violations of the Consumer Reporting Resource Guide ( CRRG ) Metro 2 Format. These technical violations render the information materially inaccurate and legally non-compliant. This issue has been ongoing for weeks, with persistent " XXXX '' loading symbols appearing when attempting to access complete information. 

# # REPEATED DELETION ATTEMPTS AND SYSTEM FAILURES Despite multiple attempts to have these accounts deleted through proper dispute channels, they continue to reappear on my credit report. Additionally, I am unable to add consumer statements to my report as the system prevents me from making public statements on the website. These technical obstacles have prevented me from exercising my full rights under the FCRA. 

# # DIRECT CONSUMER HARM These inaccurate items have caused me significant hardship, including a recent denial of credit when attempting to purchase an XXXX for my XXXX  child. This rejection was directly attributed to the inaccurate information persisting on my credit report despite my repeated efforts to correct it. This constitutes actual damages under FCRA 616. 

# # ACCOUNT # XXXX : XXXX XXXX ( Account # XXXX ) XXXX. * * Base Segment Field Validation Error ( CRRG Section 2.2.1 ) * * Credit Limit reported as {$200.00} Charge-off amount reported as {$400.00} This mathematical impossibility violates Metro 2 requirements for logical numerical relationship between Fields 8 ( Account Balance ) and 12 ( Credit Limit ) 2. * * Account Status Code Inconsistencies ( CRRG Section 5.3 ) * * Account Status shows " charged off '' requiring Status Code 97 Payment history continues reporting after charge-off date ( XX/XX/XXXX ) Metro 2 Format prohibits Payment History Profile updates after charge-off 3. * * Required Fields Missing ( CRRG Section 6.3 ) * * Terms field reported as " Not reported '' ( Field 14 ) Monthly Payment field reported as " Not reported '' ( Field 9 ) Metro 2 Format requires complete field reporting even for charged-off accounts # # ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * Simultaneous Status Code Contradiction ( CRRG Section 6.3 ) * * Account shows both " charged off '' status AND " {$30.00} past due as of XX/XX/XXXX '' Metro 2 Format prohibits concurrent charged-off status and current delinquency Fields 9 and 10 must be XXXX after charge-off per CRRG requirements 2. * * Address Identification Number Duplication * * Both XXXX and XXXX report identical number ( XXXX ) Metro 2 Format requires unique identifiers for each furnisher This suggests improper data management that affects accuracy Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of these specific Metro 2 Format violations. Your automated e-OSCAR dispute handling system is insufficient to address these technical format violations. 

I hereby request : 1. A detailed investigation of the specific Metro 2 Format violations identified 2. Prompt deletion of all information that can not be verified as Metro 2 compliant 3. Updated credit reports showing all corrections or deletions 4. Written explanation of your investigation addressing each technical violation 5. Compensation for the actual damages I have suffered due to these persistent errors XXXX. A complete updated copy of my credit report sent to my address on file once these corrections have been made Please note that these specific technical violations render automated verifications inadequate. These are not subjective disputes but clear technical violations of the Consumer Reporting Resource Guide standards that all furnishers must follow. 

I expect your complete response within 30 days as required by federal law. I am documenting all communications related to these Metro 2 Format violations for potential further action if necessary. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief