Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
XXXX XXXX COMPLIANCE TACTICAL DISPUTE LETTER FROM : XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX DATE : XX/XX/XXXX TO : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE AND DEMAND LETTER - XXXX XXXX COMPLIANCE VIOLATIONS XXXX : XXXX XXXX : XX/XX/XXXX EMAIL : XXXX To Whom It XXXX Concern : I am writing to formally dispute information in my consumer credit report and to demand immediate correction of multiple Metro 2 Format compliance violations. This letter serves as my official notice that Experian has failed to maintain proper compliance with the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 Format requirements in several critical aspects of my credit report.

SECTION I : IDENTIFICATION OF METRO 2 FORMAT STATIC FIELD VIOLATIONS The Metro 2 Format requires specific static data elements to remain consistent throughout the credit reporting process. My investigation has revealed that the following static fields have been compromised through improper verification processes : 1. Base Segment Field Violations : The static consumer information fields ( Fields 1-7 ) have been compromised through unauthorized data sharing between Experian and XXXX XXXX XXXX XXXX XXXX ) members as evidenced by the integration of your systems with the XXXX program. 
XXXX. Account XXXX XXXX XXXX ( XXXX XXXX ) : These critical status fields require verification from original furnishers only, not from third-party advertising networks. The recurrent verification of previously disputed accounts indicates a Metro 2 compliance failure in maintaining proper status code integrity.

SECTION II : DISPUTE PROCESSING VIOLATIONS The Metro 2 Format mandates specific handling of consumer disputes under CDIA guidelines : 1. Field 24 ( XXXX XXXX XXXX ) : This field must display the appropriate dispute code XB during active investigations. The continuing verification of disputed accounts indicates failure to properly code this field during the dispute process. 
XXXX. Field 29 ( Current Balance ) : Metro 2 guidelines require this field to be appropriately marked during ongoing disputes. Your systems have failed to maintain proper dispute indicators. 
XXXX. Segment XXXX Violations : These consumer information segments must be accurately populated during dispute investigations. The recurring verification of disputed accounts demonstrates failure to properly implement these segments. 
SECTION XXXX : UNAUTHORIZED DATA SHARING COMPLIANCE FAILURES Experians participation in the XXXX XXXX XXXX ( DAA ) data sharing program without my explicit consent creates multiple Metro 2 compliance failures : 1. Permissible Purpose Violations : Metro 2 Format requires strict adherence to permissible purpose requirements in FCRA Section 604. Sharing my information with advertising networks violates these requirements. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX ) : This field requires accurate reporting of account responsibility. When data is improperly shared and then used for verification, this compromises ECOA code integrity.

SECTION IV : RELEVANT LEGAL PRECEDENTS AND SETTLEMENTS Experians history of data security and compliance failures further supports my claims : XXXX. XXXX XXXX XXXX XXXX : In XXXX, Experian entered into a {$13.00} XXXX settlement with XXXX states regarding data breaches in XXXX and XXXX that compromised the personal information of millions of consumers nationwide. As stated by Attorney General XXXX XXXX, these settlements required Experian to improve their data security practices in addition to financial penalties. 
XXXX. XXXX XXXX of XXXX Claims : Federal courts have certified class action lawsuits against Experian for data security failures, with XXXX Experian data breach lawsuit settling for {$22.00} XXXX to help victims recover for damage done to their credit. 
XXXX. Regulatory Requirements : As noted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX compliance litigation, If the consumer were to sue the XXXX [ XXXX XXXX ] and or the CRA [ XXXX XXXX XXXX ] for non-compliance reporting of items on their credit report, they would win 100 % of the time providing the consumer had proof that they challenged, and that the challenge was received. 
SECTION XXXX : SPECIFIC DEMANDS FOR REMEDIATION Based on these identified XXXX XXXX Format violations and Experians established pattern of data security failures, I formally demand the following actions : XXXX. XXXX XXXX : XXXX a full XXXX XXXX compliance audit of my file, identifying all instances where improper verification occurred through advertising data sharing channels. 
XXXX. Documentation of Violations : Provide a written account of all Metro 2 Format violations identified in my file, including specific dates when my information was shared with XXXX XXXX XXXX members. 
XXXX. Permanent Correction : Implement permanent corrections to all static data fields that have been compromised through improper verification processes. 
XXXX. Removal of XXXX XXXX XXXX : Delete all information that has been verified through channels not compliant with Metro 2 Format requirements.

5. Implementation of Block : Place a permanent block preventing future improper verification through advertising data sharing channels.

SECTION VI : LEGAL NOTICE This dispute is submitted under both the Fair Credit Reporting Act and the specific technical requirements of the Metro 2 Format. Failure to address these specific technical violations may constitute willful noncompliance under FCRA Section 616, which provides for statutory and punitive damages, as demonstrated by Experians multiple settlements referenced above. 
I expect a complete response addressing each specific Metro 2 violation identified in this letter within 30 days of receipt, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation