Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC RE : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE AND UNVERIFIABLE DATA FCRA VIOLATIONS & METRO 2 NONCOMPLIANCE To Whom It May Concern : This is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ), 1681e ( b ), 1681s-2 ( b ). The following accounts appearing on my Equifax consumer report dated XX/XX/year> contain false, unverifiable, inconsistent, and outdated information in clear violation of the FCRA and Metro 2 compliance guidelines.

These accounts must be deleted immediately, or at minimum updated with the proper Compliance Condition Code XB during the investigation, as well as corrected using applicable Account Status Codes ( XXXX - Paid/Closed ; XXXX - Account paid in full, was a charge-off, etc. ), and Payment Rating Codes. 

Disputed Accounts & Compliance Failures : XXXX XXXX XXXX XXXXXXXX Status : Charge-Off with conflicting XXXX, high balance XXXX, and no Metro XXXX dispute indicator XXXX 
FCRA Violations : 1681e ( b ), 1681i, 1681s-2 ( b ).

Metro 2 XXXX XXXX XXXX not applied. Remarks mismatch charge-off date. 
Demand : DELETE or CORRECT per Metro 2 and FCRA law. 

XXXX XXXX Acct # XXXX Status : Charged Off Errors : Balance and status inconsistencies, remark conflicts ( Closed by XXXX XXXX Charge-off ), missing XXXX  codes. 
Reporting violates 1681c and Metro 2 fields like XXXX XXXX XXXX XXXX ( Payment History & Account Status ). 
Demand : REMOVE account or apply XXXX  during reinvestigation and update using XXXX XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX / XXXXXXXX Multiple inconsistencies across status, payment history, and reporting remarks. 
Accounts reported as Charged Off yet showing XXXX balance and no XXXX XXXX ( Paid after Charge-off ).

FCRA 1681e ( b ), 1681i ; Metro 2 error in failing to mark proper compliance condition or status code. 
Demand : DELETE or CORRECT each instance immediately using Metro 2 Status Code XXXX XXXX XXXX XXXX XXXX XXXX where applicable. 

XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate charge-off status with mismatched payment dates, XXXX violations, and XXXX conflicts. 
XXXX XXXX and XXXX XXXX XXXX missing. 
Demand : DELETE for unverifiable data OR update as per XXXX XXXX protocol. 

XXXX XXXX  Acct XXXX XXXX Errors : Inconsistent account status, incorrect charge-off reporting without XXXX XXXX dispute code XXXX 
Account fails compliance on Data Furnisher Reporting Segment XXXX XXXX XXXX XXXX 
Demand : DELETE due to violations of 1681e ( b ) and Metro 2 non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect payment history, inaccurate charge-off and no CCC applied.

FCRA 1681e ( b ) + 1681s-2 ( b ) violated. 
Demand : Remove immediately or apply XXXX XXXX  and Payment Rating XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX Inconsistent late payment markers, inaccurate balance, and no dispute indicator. 
DOFD errors and missing XXXX  violate Metro 2 and FCRA 1681e ( b ). 
Demand : DELETE. Account is unverifiable and noncompliant. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX Both accounts are closed and paid yet derogatory remarks remain. 
Metro 2 requires proper Closure Code and Payment Rating XXXX for paid accounts. 
Demand : REMOVE derogatory remarks, correct to Paid As Agreed OR DELETE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX / XXXX Errors : These do not meet the standards of verifiable credit obligations under 1681e ( b ).

FCRA 1681b also implicated no permissible purpose shown. 
Demand : DELETE immediately as these do not qualify for inclusion. 
FINAL NOTICE & LEGAL WARNING : Equifax is now on notice. Per FCRA 1681i ( a ) ( 5 ) ( A ), you must DELETE any item that can not be verified with 100 % accuracy from the original creditor not a third-party data furnisher or debt buyer. 

Failure to comply will result in immediate : Complaints filed with the FTC, XXXX, and XXXX  State Attorney General.

Lawsuit for statutory and punitive damages under 1681n and 1681o.

Provide a full summary of your reinvestigation and an updated credit report within 30 days, pursuant to 1681i ( a ) ( 6 ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief