Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
b"XXXX XXXX \nXXXX XXXX XXXX  \nXXXX XXXX XXXX XXXX XXXX\n Date: \nXXXX XXXX XXXX XXXX\n XXXX XXXX\n SSN\n : XXXX\n DOB\n : XXXX XXXX XXXX7 ( XXXX )\n EQUIFAX \nXXXX XXXX XXXX XXXX\n Pursuant to my rights under the Fair Credit Reporting Act, and other relevant United States privacy statutes, I DIRECTLY AND EXCLUSIVELY AUTHORIZE the use of my\n Personal Identifiable Information (PII) solely for mandated credit reporting objectives. Any alternative use, whether for marketing, data analytics, or inter-organizational sharing,\n is strictly forbidden and will be considered a direct violation of my privacy rights. Compliance must be verifiable upon audit, ensuring complete transparency in all data handling\n practices.\n My 18-digit Personal Tracking Number is: \XXXX XXXX XXXX XXXX XXXX\n Re:/Subject: Please investigate completely and thoroughly each and every aspect of any item I have contested your supposed reporting privilege(s) to and have here within\n challenged any and all involved parties of any derogatoriness accused against me to demonstrate incontestable evidence of the applicably certifiable compliant reporting\n practices, procedures, and processed of which must be of a maximum possible fairness, reasonableness, truth, accuracy, completeness, timeliness, proven cogency and\n relevance, and verifiability and is without data integrity injuring report deviations that are infractions of mandates, mentioned here or not!\n To the Designated Legal Representative;\n I contest the validity and accuracy of information currently listed on my credit report. This inaccurate data is harming my credit score and financial opportunities. I demand an\n immediate investigation and correction as required by the FCRA.\n Reporting agencies are expected to cooperate fully with investigations by providing truthful information and furnishing records as necessary. So, Have you fully satisfied\n every strictly enforced legal mandate, ensuring that you have lawfully obtained, retained, or regained the privilege to report any derogatory information against me\n without violating federally protected consumer rights?\n The lacking-authentication defamatory declaration(s) asserted within should be reviewed as investigated, reinvestigated, proven verified valid, and or elsewise demonstrated\n certifiably compliant as maintained as first stated by the data provider accentuating derogatoriness(es) against me , so expunge from report history the incorrectly labeled\n XXXX XXXX XXXX   presenting   Primary Consumer Account Number as alleged by  TransUnion \n(T)  declared to be  XXXX\n The under-supported defamatory representation(s) herein displayed are mandated to be lawfully evaluated, precision verified, and substantiated as indisputably conforming to\n required standards as transcribed from the original entry by the submitting source focusing on condemnatory narratives involving me so eliminate from credit filing the\n compromised entries\n XXXX   displaying   consumer account number supposed by  TransUnion \n(T),EXperian and E\n Quifax  formulated to be  XXXX\n The unverified condemning classification(s) Listed beneath must be finalized as critically evaluated, systematically reconfirmed, and affirmed as meeting rigorous compliance\n standards as initially reported by the responsible data contributor expanding harmful narratives directed at me so expunge from documented records the now-documented\n XXXX XXXX XXXX   associating   Base/*7 * Primary Consumer Account Number (*PCAN) as submitted by  TransUnion \n(T),EXperian and E\n Quifax  outlined to be  XXXX\n The inaccurately labeled negative assessment(s) Pointed out underneath are designated to be comprehensively reassessed, integrity confirmed, and retained in compliance\n with established guidelines as filed at the moment of declaration by the alleging party sharing unfavorable evaluations of me , so wipe from accessible reports the immediately\n listed\n XXXX XXXX   carrying   Base/7 Account Number as indicated by  TransUnion \n(T),EXperian and E\n Quifax  described to be  XXXX\n The unsupported adverse notation(s) Expressed further down must be undertaken as extensively audited, validated beyond doubt, and determined to be aligned with statutory\n obligations as preserved in its initial entry reflecting discrediting remarks about me , so remove from the record the erroneously transmitted\n XXXX XXXX XXXX    exhibiting   Inquiry Date as broadcasted by  EXperian  determined to be  XXXX\n The still not yet proven derogatory claim(s) Articulated beneath should be scrutinized as thoroughly examined, reassessed, conclusively validated, and unmistakably\n established as compliant as registered at the moment of its first reporting reiterating unfavorable presumptions regarding me , so delete from reporting the incorrectly labeled\n XXXX XXXX   portraying   date of hard inquiry as revealed by  EXperian  to be  XXXX\n The challengeable but asserted critical record(s) Characterized underneath must undergo revalidated under scrutiny, found unerring in its correctness, and maintained within\n lawful reporting frameworks as officially transmitted in its first iteration continuing adverse commentary against me , so halt from any further records the inaccurately conveyed\n XXXX XXXX    showing   inquiry date as issued by  EXperian  said to be  XXXX\n The unresolved harmful report(s) As captured below must be resolved as verified, subjected to enhanced scrutiny, and justified through independent confirmation procedures\n as upheld in its original statement by the contributor positioning reproachful declarations about me , so retract from consumer files the unfounded portrayals\n XXXX XXXX   encapsulating   HARD Inquiry Date (DOI) as testified by  TransUnion \n(T)  projected to be  XXXX\n The unsubstantiated adverse allegation(s) within described demand evaluation as properly reviewed, reinforced through supplementary verification, and assured as meeting\n the highest data integrity principles as reported at time of being reported by the alleging data reporter implying adverse claims regarding me so halt its inclusion in reports the\n inconsistently stated\n XXXX XXXX   enlisting   Date of HARD Inquiry as announced by  TransUnion \n(T)  To Be  XXXX\n The questionably attributed harmful depiction(s) Specified underneath need to be considered subjected to extensive review, revalidation, authenticated as accurate, and\n shown to meet all compliance criteria as written when written by author identifying alleged liabilities tied to me so delete from reporting the falsely attributed\n XXXX XXXX   comprising   hard inquiry date as depicted by  TransUnion \n(T)  marked to be  XXXX\n The challenged unfavorable assumption(s) below described must be addressed as analyzed, verified through independent assessment, deemed legally sound, and upheld as\n conforming to reporting regulations as relayed without modification by the provider at reporting time articulating deprecatory descriptions about me so please eradicate from\n reporting the forthcoming\n XXXX XXXX XXXX   offering   hard inquiry date (DOI) as maintained by  TransUnion \n(T)  listed to be  XXXX\n The undetermined damaging declaration(s) herein asserted need to be examined as rigorously inspected, accuracy substantiated, and reported with full adherence to\n governing mandates as detailed in the original submission conveying slanderous associations against me so revoke its documentation entirely the misguided descriptions\n XXXX XXXX XXXX   manifesting   date of inquiry (DOI) as officially recorded by  EXperian  recorded to be  XXXX\n The still-disputed derogatory reference(s) alleged herein are expected to be assessed for factual legitimacy, methodically authenticated, and upheld as verifiably accurate as\n archived from the first declaration presenting harmful assertions against me , so block from reporting the underneath-referenced\n XXXX   demonstrating   Date of HARD Inquiry (DOI) as submitted formally by  EQuifax  designated to be  XXXX\n The refutable detrimental charge(s) Documented below are obligated to be Reinvestigated or investigated, validly proven verifiable, and demonstrative of certifiably compliant\n reporting adequacy(ies) as recorded by the data provider in its initial reported form attaching harmful insinuations to me , so revoke its appearance in public records the falsely\n implied\n Page 1 of 9\nXXXX XXXX XXXXI   attaching   HARD Inquiry Date as itemized by  EXperian  declared to be  XXXX\n The still-contested defaming statement(s) below alleged are necessary to be exhaustively examined, fortified through secondary validation, and kept within strict adherence to\n legal reporting provisions as originally entered in consumer reporting records integrating disparaging beliefs associated with me so suppress the disclosure of the carelessly\n reported\n XXXX    revealing   Date of Inquiry (DOI) as conveyed officially by  E\n Quifax  recorded to be  XXXX\n The lacking-confirmation harmful characterization(s) herein described need adjustment as investigated, reinvestigated, proven verified valid, and or elsewise demonstrated\n certifiably compliant as verified from the initial source documentation accentuating defamatory discussions of me so delete the wrongly presented\n XXXX XXXX XXXX   with   Date of Inquiry as claimed by  EXperian  indicated to be  XXXX\n The hypothetical but unproven defaming remark(s) below asserted require resolution as lawfully evaluated, precision verified, and substantiated as indisputably conforming to\n required standards as captured by the recording entity when first logged reporting distressing implications concerning me , so please eradicate from reporting the presently\n stated\n XXXX   having   date of inquiry as submitted by  TransUnion \n(T)  described to be  XXXX\n The still-challenged accusatory classification(s) Presented further down are due for action as critically evaluated, systematically reconfirmed, and affirmed as meeting rigorous\n compliance standards as originally issued by the reporting party referencing disadvantageous assumptions against me so wipe from any stored databases the misclassified\n disclosures\n XXXX XXXX   composed of   Inquiry Date (DOI) as shown by  TransUnion \n(T)  determined to be  XXXX\n The unverifiable adverse pronouncement(s) within alleged warrant action as comprehensively reassessed, integrity confirmed, and retained in compliance with established\n guidelines as formally stated by the furnishing entity upon first disclosure upholding defamatory accounts involving me so extract from all repositories the distorted statements\n XXXX XXXX   holding   date of hard inquiry (DOI) as stated by  TransUnion \n(T)  proposed to be  XXXX\n The insufficiently evidenced harmful indictment(s) described below need rectification as extensively audited, validated beyond doubt, and determined to be aligned with\n statutory obligations as expressed verbatim by the original data source illustrating distressing claims about me , so extract from displayed credit details the misrepresented\n details\n XXXX   illustrating   inquiry date (DOI) as pronounced by  E\n Quifax  defined to be  XXXX\n The not-yet-confirmed damaging assertion(s) Indicated beneath are vital to be thoroughly examined, reassessed, conclusively validated, and unmistakably established as\n compliant as formally recorded by the responsible entity pointing out negativity(ies) attributed to me , so suppress its existence in credit databases the unreliably declared\n XXXX XXXX   arranging   Inquiry Date as defined by  TransUnion \n(T)  conveyed to be  XXXX\n The insubstantial adverse conclusion(s) displayed below are imperative to be revalidated under scrutiny, found unerring in its correctness, and maintained within lawful\n reporting frameworks as conveyed in its exact phrasing by the originating source highlighting unfavorable details regarding me so block the reporting of the inaccurately\n attributed\n XXXX XXXX XXXX   narrating   date of hard inquiry as displayed by  EXperian  listed to be  XXXX\n The unverifiable unfavorable entry(s) asserted below must be resolved as verified, subjected to enhanced scrutiny, and justified through independent confirmation procedures\n by the condemning data furnisher at time purported exactly as reported suggesting negativity versus me so nullify any recorded traces the flawed narratives\n XXXX XXXX XXXX I   listing   inquiry date as outlined by  EXperian  asserted to be  XXXX\n The unproven disparaging commentary Marked underneath are due for action as properly reviewed, reinforced through supplementary verification, and assured as meeting\n the highest data integrity principles as originally documented by its author maintaining harmful implications against me , so eliminate from disclosed data the deceptively\n characterized\n XXXX XXXX XXXX   possessing   HARD Inquiry Date (DOI) as broadcasted by  TransUnion \n(T)  designated to be  XXXX\n The inadequately justified unfavorable reference(s) Expounded beneath are critical to be subjected to extensive review, revalidation, authenticated as accurate, and shown to\n meet all compliance criteria as presented in its primary submission by the originating reporter formalizing derogatory notions concerning me , so cease the reporting of the\n further-listed\n XXXX    giving   Date of HARD Inquiry as conveyed officially by  EQuifax  formulated to be  XXXX\n The debated yet reported harmful remark(s) below displayed are vital to be analyzed, verified through independent assessment, deemed legally sound, and upheld as\n conforming to reporting regulations as initially reported by the responsible data contributor reflecting discrediting remarks about me so block from reporting the inaccurately\n referenced\n XXXX   that has   hard inquiry date as declared by  EQuifax  referenced to be  XXXX\n The weakly founded critical accusation(s) purported below are intended to be rigorously inspected, accuracy substantiated, and reported with full adherence to governing\n mandates as submitted in its unchanged form recounting unfavorable incidents linked to me so retract from all listed entries the manipulated accounts\n XXXX   articulating   hard inquiry date (DOI) as depicted by  E\n Quifax  said to be  XXXX\n The baseless negative accusation(s) As referenced beneath are expected to undergo assessed for factual legitimacy, methodically authenticated, and upheld as verifiably\n accurate as shown in compliance with the initial filing standards attributing unfavorable qualities to me so cease the distribution of the defectively described\n XXXX    signifying   date of inquiry (DOI) as noted by  TransUnion \n(T)  to be  XXXX\n The insufficiently corroborated damaging statement(s) Positioned beneath are expected to be Reinvestigated or investigated, validly proven verifiable, and demonstrative of\n certifiably compliant reporting adequacy(ies) as reported at time of being reported by the alleging data reporter focusing on condemnatory narratives involving me so block the\n reporting of the described herein\n XXXX    integrating   Date of HARD Inquiry (DOI) as displayed by  TransUnion \n(T)  expressed to be  XXXX\n The questionable defamatory assertion(s) described within are necessary to be exhaustively examined, fortified through secondary validation, and kept within strict adherence\n to legal reporting provisions as archived from the first declaration emphasizing unfavorable assessments of me , so halt from any further records the falsely reported claims\n XXXX    unfolding   HARD Inquiry Date as expressed by  TransUnion \n(T)  marked to be  XXXX\n The wrongly suggested harmful commentary herein purported are in accordance to be investigated, reinvestigated, proven verified valid, and or elsewise demonstrated\n certifiably compliant as formally stated by the furnishing entity upon first disclosure circulating disparaging perspectives regarding me so extract from all repositories the\n misunderstood records\n XXXX XXXX   specifying   Date of Inquiry (DOI) as detailed by  TransUnion \n(T)  outlined to be  XXXX\n The suspect adverse depiction(s) Represented underneath require implementation as lawfully evaluated, precision verified, and substantiated as indisputably conforming to\n required standards as relayed without modification by the provider at reporting time spotlighting accusatory content related to me so block the reporting of the below-itemized\n XXXX XXXX   consisting of   Date of Inquiry as revealed by  TransUnion \n(T)  projected to be  XXXXn The unverified derogatory assertion(s) Stated further down are essential to be critically evaluated, systematically reconfirmed, and affirmed as meeting rigorous compliance\n standards as verified from the initial source documentation forwarding negative allegations about me so retract from all listed entries the questionably documented\n XXXX XXXX   attaching   date of inquiry as provided by  TransUnion \n(T)  maintained to be  XXXX\n Under 15 U.S.C.  1681s-2(a)(1)(A) and Metro 2's standards for Compliant Reporting, furnishers must implement procedures ensuring reporting of only fully substantiated\n data elements. Documented here are violations including: unmapped payment histories exceeding 24-month Metro 2 windows, non-compliant creditor identifiers, and failure\n Page 2 of 9\n COFF -T   \n COFF -TXQ   \nto report voluntary closure codes - errors that contrapute ECOA-compliant decisioning matrices used by credit grantors.\n The Symbol Keys used in this Letters images are as follows :\n rT = Transunion             rX = Experian             rQ = Equifax\n rNT = Non-TEE CRA(s)\n D = Data Furnishing Reporter #1 (or Creditor listed in a PRE = Public Records Event )\n D = Data Furnishing Reporter #2 (The Original Creditor if a Coff, a Coll, and or a Coff /Coll)\n  = Likely RROR(s) are detected related to this Data Field Point\n  = value reported is detected to likely have Factual Actual Undeniably Disputable RROR(s) (FAUD)\n  = value reported is detected to likely have Discrepancy RROR(s) of Non-Compliant Inconsistency(ies) (DNCI)\n  = value reported is detected to likely have Metro 2 Code Exactness RROR(s) (M2CE)\n  = value reported is detected to likely have Metro 2 Code Description exactness RROR(s) (M2CD)\n  = value reported is detected to likely have Pretermitted RROR(s) by possible Willful Omission (PWO)\n PRE = Public Records Event\n PII = Personal Identifier Information\n COFF = Charge-off(s)\n COLL = Collection(s)\n COFF/COLL = Charge-off(s)/Collection(s)\n DrgL = Derogatory Lates\n DlqL = Delinquency Late(s)\n INQ = Inquiry(ies)\n UON = Unknown or Other Negativity\n CCI = Creditor Contact Information\n Consistent with the concerns raised earlier in this complaint, I reiterate that the specific items of misinformation listed below demand immediate attention. Each entry must be\n either expunged from your records, amended to ensure compliance with all relevant legal standards, or supported by definitive evidence confirming its accuracy,\n completeness, timeliness, fairness, and legitimacy as asserted by the responsible party. Neglecting to take these actions may amount to a violation of federal and state\n reporting laws, with direct and detrimental consequences to my financial and legal interests.\n Delete right now XXXX XXXX XXXX XXXX  that gives unproven or false information  Consumer Account Number:  with being  XXXX  on my   XXXX   credit\n report.    As mal-accused,  the claim is in deviation of reporting adequacy(ies) because  the BSCF-7 Primary Consumer Account Numbers value is NOT EACH of being with\n UNIQUENESS, NON-INCLUSIVE of SSN values, with AT LEAST 5 but NO MORE than 32 characters, of EXACTLY 4 Redacted and or Truncated characters, consistently\n reported across all reporting agencies, and or is elsewise in deviation from that of required reporting adequacy per the CDIAs authored and self-governed CRRG-outlined and\n defined Metro 2 Standards for certifiably Compliant reporting that satisfies the federal mandates for FAIR and REASONABLE reporting practices, procedures and processes\n that best assures any and all claims are in fact of a maximum possible accuracy, completeness, timeliness, truthfulness, validity and verifiability, hence my DEMAND to delete\n HERE and NOW! ;\n Plus  Portfolio Type Code:  is without compliance  skewing of facts  as  --  on my   T     As mal-stated,  the allegation stands in nonconformity of reporting competence\n because  the *BSCF-8 Portfolio Type Code (PTC)s value is NOT the required C, I, M, O, R, Line of Credit, Installment, Mortgage, Open, or Revolving value as\n should be per 2023 CRRG mandates.;\n TransUnion Experian Equifax\n *Data Reporter Name XXXX XXXX XXXX XXXX\n *Consumer Account Number: XXXX----\n *Portfolio Type Code:------\n *Account Current Balance:------\n *Account Terms Duration:-- ----\n Delete Right Now XXXX XXXX  that distorts the facts  ECOA Code:  to being  Paid  to inside my   Transunion   credit report,  to be  Paid  within my  \nExperian   credit report,  and as well as  as being  Derogatory  upon my   Equifax   credit report too.  As dis-purported,  the mis-claim stands in nonconformity of reporting\n competence since  the Base/37 Primary ECOA Code (PECOA)\n In addition  Portfolio Type Code:  is non-compliantly  inexplicably inaccurately assumed  to be  Credit Card  within my   Transunion       deceitfully asserted  to being\n  Credit Card  upon my   Experian         Credit Card  inside my   Equifax     As mis-alleged,  the claim is in deviation of reporting adequacy(ies) because  the Base/8\n Portfolio Type Codes value is NOT the required C, I, M, O, R, Line of Credit, Installment, Mortgage, Open, or Revolving value as should be per 2023 CRRG\n mandates.;\n Additionally  High Credit/ Original Loan Amount:  is lacking compliance   NOT REPORTING  as being  $XXXX   in my   Transunion       Absent from reporting  as  --  on my  \nExperian         $XXXX   within my   Equifax     As dis-stated,  the allegation stands in nonconformity of reporting competence because  the Base/12 High Credit Original Loan\n Amount (HCOLA)s value is\n 1\n 2\n Page 3 of 9\n DLQL -TXQ   \n DLQL -TXQ   \nTransUnion Experian Equifax\n *Data Reporter Name XXXX XXXX\n *Consumer Account Number: XXXX XXXX XXXX\n *Portfolio Type Code: Credit Card Credit Card Credit Card\n *High Credit/ Original Loan Amount: $XXXX-- $XXXX\n Account Rating: Paid Paid Derogatory\n *ECOA Code: Paid Paid Derogatory\n DELETE Right Now  XXXX XXXX XXXX XXXX  that contains errors  Portfolio Type Code:  with being  Flexible spending credit card  on my   Transunion\n  credit report,  to being  Credit Card  to inside my   Experian   credit report,  and as well as  to be  Flexible spending credit card  within my   Equifax   credit report\n too.  As misreported,  the mis-claim stands in nonconformity of reporting competence since  the Portfolio Type Codes value is NOT the required C, I, M, O, R, Line of\n Credit, Installment, Mortgage, Open, or Revolving value as should be per 2023 CRRG mandates.;\n Plus  Consumer Account Number:  is without compliance  MISREPORTED  to be  XXXX  upon my   Transunion       distorting of facts  to being\n  XXXX   inside my   Experian         XXXX   in my   Equifax     As alleged,  the claim is in deviation of reporting adequacy(ies) because  the Account Numbers\n alleged values are NOT EACH of being (i) UNIQUE, (ii) NON-INCLUSIVE of SSN values, (iii) with AT LEAST 5 but NO MORE than 32 alphanumeric characters, (iv) of\n EXACTLY four (4) Redacted and or Truncated characters, (v) consistently reported across all reporting agencies, and or (vi) is elsewise unproven and is in deviation from that\n of required reporting adequacy(ies) per the CDIAs own authored and self-governed CRRG-outlined and defined Metro 2 Standards for certifiably Compliant reporting ( of\n which ANY DEVIATION from these standards jeopardizes the INTEGRITY of the data ) that satisfies the federal mandates for FAIR & REASONABLE reporting practices,\n procedures and processes that best assures any and all claims are in fact of a maximum possible accuracy, completeness, timeliness, truthfulness, validity and verifiability,\n hence my DEMAND to delete HERE and NOW! ;\n In addition  Date of Account Information:  is non-compliantly  distorting of facts  as being  XXXX  on my   Transunion       inexplicably inaccurately\n assumed  as XXXX     Experian         XXXX     Equifax     As accused,  the allegation stands in nonconformity of reporting competence because  \nthe Base/24 Date of Account Information (DOAI) is not EACH of being (i) displayed as MMDDYYYY or MM/DD/YYYY or MM-DD-YYYY such that the 8 numeral characters are\n in fact properly and accurately representive of a Metro 2 compliant format , (ii) displayed exactly same as that of the mandatorily always reported Header/8 Last Updated\n Activity Date (LUAD) value, (iii) is NOT precisely aligned with latest purported DOACBal (aka Date of Base/21 Account Current Balance) value (if any) , (iv) is NOT exactly\n aligned with the latest reported DOASC (aka Date of Account Status Code) , (v) is NOT exactly aligned with the latest reported DOPRC (aka Date of Payment Rating Code) ,\n (vi) is NOT exactly aligned with the latest verified reporting of the OCOA (aka Base/23 Original Charge-off Amount), (vii) is NOT exactly aligned with the latest reported DLV\n (aka Date Last Verified) , and/or (viii) elsewise is NOT displayed in full compliance with mandated maximum appropriateness!\n TransUnion Experian Equifax\n *Data Reporter Name XXXX XXXX XXXX XXXX\n *Consumer Account Number: XXXX XXXX XXXX\n *Date of Account Information: XXXX XXXX XXXX\n *Portfolio Type Code: Flexible spending credit card Credit Card Flexible spending credit card\n *Account Type Code: Flexible spending credit card Credit Card Flexible spending credit card\n *Account Current Balance:------\n Date of Account Current Balance: XXXX XXXX XXXX\n Delete Right NOW  XXXX XXXX XXXX  that is flawed in its reporting  Creditor Type:  as being  Bank Credit Cards  upon my   Transunion   credit report,  with\n being  Bank Credit Cards  on my   Experian   credit report,  and as well as  to being  All Banks   to inside my   Equifax   credit report too.  As purported,  the mis-claim stands\n in nonconformity of reporting competence since  it fails to adhere to Metro 2 specifications and FCRA regulations.\n Additionally  Account Type Code:  is lacking compliance   MISREPORTED  to be  Flexible spending credit card     Transunion       misreported  to being   Credit Card    \nExperian         Flexible spending credit card     Equifax     As mal-alleged,  the claim is in deviation of reporting adequacy(ies) because  the BSCF-8 Portfolio Type Code\n (PTC)s value is NOT the required C, I, M, O, R, Line of Credit, Installment, Mortgage, Open, or Revolving value as should be per 2023 CRRG mandates.;\n TransUnion Experian Equifax\n *Data Reporter Name XXXX XXXX XXXX\n *Consumer Account Number: XXXX XXXX XXXX\n *Portfolio Type Code: Flexible spending credit card Credit Card Flexible spending credit card\n *Account Type Code: Flexible spending credit card Credit Card Flexible spending credit card\n *High Credit/ Original Loan Amount: $XXXX $XXXX--\n Creditor Type: Bank Credit Cards Bank Credit Cards All Banks \n Date Last Verified(DLV): XXXX----\n Delete right now  XXXX XXXX XXXX XXXXXXXX   that misreports  Date of Inquiry  to be  XXXX  within my   XXXX   credit report.    As misleadingly\n misreported,  the allegation stands in nonconformity of reporting competence because  it is not proven suitable under neither Metro 2 or FCRA guidelines, each of which\n MUST be satisfied for applicable privilege to report to be retained.\n Inquiries\n Page 4 of 9\n INQ -D1X\n INQ -D1X\n INQ -D1X\n INQ -D1T\n INQ -D1T\n INQ -D1T\n INQ -D1T\n INQ -D1X\n INQ -D1Q\n INQ -D1X\n  \nDR Name *HRCF12 \nDR Address\n *HRCF13 \nDR Contact No.\n *HRCF14 \nDR Identification No.\n *BSCF5 \nDate of Inquiry\n ^NTCU^ \nPermissible Purpose\n ^NTCU^ \nDR Industry Type\n ^NTCU^ \nCredit Bureau\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing Experian\n Delete Right Now  XXXX XXXX XXXX  that deceives with its disreporting  Date of Inquiry  as being  XXXX  upon my   XXXX   credit report.    As mis-accused,  the\n mis-claim stands in nonconformity of reporting competence since  it is neither certified for Metro 2 compliance nor adequacy under the FCRA regulations.\n Inquiries\n  \nDR Name *HRCF12 \nDR Address\n *HRCF13 \nDR Contact No.\n *HRCF14 \nDR Identification No.\n *BSCF5 \nDate of Inquiry\n ^NTCU^ \nPermissible Purpose\n ^NTCU^ \nDR Industry Type\n ^NTCU^ \nCredit Bureau\n XXXX XXXX XXXX XXXX XXXX XXXX   Bank Credit Cards Experian\n DELETE Right Now  XXXX XXXX XXXX  that provides erroneous data  Date of Inquiry  with being  XXXX  on my   XXXX   credit report.    As dis-alleged,  the claim is\n in deviation of reporting adequacy(ies) because  it falls short of Metro 2 and FCRA standards.\n Inquiries\n  \nDR Name *HRCF12 \nDR Address\n *HRCF13 \nDR Contact No.\n *HRCF14 \nDR Identification No.\n *BSCF5 \nDate of Inquiry\n ^NTCU^ \nPermissible Purpose\n ^NTCU^ \nDR Industry Type\n ^NTCU^ \nCredit Bureau\n XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Bank Credit Cards Experian\n Delete Right NOW  XXXX XXXX XXXX  that inaccurately reports  Date of Inquiry  to being  XXXX  to inside my   XXXX   credit report.    As mis-purported,  the\n allegation stands in nonconformity of reporting competence because  it fails to satisfy BOTH the CDIAs Metro 2 certification of compliant reporting and applicable FCRA\n regulations.\n Inquiries\n  \nDR Name *HRCF12 \nDR Address\n *HRCF13 \nDR Contact No.\n *HRCF14 \nDR Identification No.\n *BSCF5 \nDate of Inquiry\n ^NTCU^ \nPermissible Purpose\n ^NTCU^ \nDR Industry Type\n ^NTCU^ \nCredit Bureau\n XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX   Bank Credit Cards TransUnion\n Delete right now  XXXX XXXX XXXX  that gets the facts wrong  Date of Inquiry  to be  XXXX  within my XXXX    credit report.    As mal-reported,  the mis-claim\n stands in nonconformity of reporting competence since  it is neither Metro 2 certifiable nor FCRA compliant.\n Inquiries\n  \nDR Name *HRCF12 \nDR Address\n *HRCF13 \nDR Contact No.\n *HRCF14 \nDR Identification No.\n *BSCF5 \nDate of Inquiry\n ^NTCU^ \nPermissible Purpose\n ^NTCU^ \nDR Industry Type\n ^NTCU^ \nCredit Bureau\n XXXX XXXX XXXX XXXX XXXX  \nXXXX XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards TransUnion\n Delete Right Now  XXXX XXXX XXXX  that misleads  Date of Inquiry  as being  XXXX   upon my   XXXX    credit report.    As mis-stated,  the claim is in deviation of\n reporting adequacy(ies) because  it lacks the necessary Metro 2 compliance certifiability and any evidence of even being FCRA abiding.\n Inquiries\n  \nDR Name *HRCF12 \nDR Address\n *HRCF13 \nDR Contact No.\n *HRCF14 \nDR Identification No.\n *BSCF5 \nD"

Company response to consumer: Closed with non-monetary relief