Consumer complaint received 2025-08-10 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:
Got it heres your * * Metro 2 Compliance Credit Dispute Letter * * to Equifax.

This format is designed to reference * specific Metro 2 fields * that the credit bureaus must follow when reporting data, which makes it harder for them to ignore. 

-- - * * XXXX XXXX XXXX * * XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Email : [ XXXX ] ( mailto : XXXX ) Phone : XXXX Date : XX/XX/year> * * Equifax Information Services LLC * * XXXX XXXX XXXXXXXX XXXX, GA XXXX * * Subject : * * Metro 2 Compliance Dispute Demand for Deletion/Correction of Inaccurate Data under the FCRA and CDIA Guidelines -- - * * To Whom It May Concern : * * This is a formal dispute of inaccurate, incomplete, and unverifiable information being reported on my Equifax credit file. This dispute is made under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * * and the * * Consumer Data Industry Association ( CDIA ) Metro 2 Reporting Format * * requirements, which you and your data furnishers must adhere to when reporting consumer credit information.

Upon review of my Equifax credit report, I have identified the following accounts with Metro 2 reporting violations : -- - # # # * * 1. XXXX XXXX XXXX * * * * * Metro 2 Field Violation : * * The * Account Status Code * and * Current Balance Field * are reporting as " Closed '' with a \ {$530.00} balance, which is contradictory and violates Metro 2 field guidelines.

* * * Impact : * * Inconsistent data fields misrepresent account status and violate * * FCRA 1681e ( b ) * *, requiring maximum possible accuracy.

# # # * * 2. XXXX XXXX XXXX * * * * * Metro 2 Field Violation : * * The * Account Status Code * and * Payment Rating Field * are inconsistent with the * Current Balance Field * showing \ {$180.00} while status is Closed. This constitutes a data integrity failure.

* * * Impact : * * Incomplete and unverifiable reporting violates * * FCRA 1681i ( a ) * * and CDIA reporting standards.

* * FCRA and Metro 2 Compliance Violations : * * * * * FCRA 1681e ( b ) * * Requires reasonable procedures to assure maximum possible accuracy.

* * * FCRA 1681i ( a ) * * Requires reinvestigation and deletion of unverifiable information within 30 days.

* * * FCRA 1681i ( a ) ( 5 ) * * Requires deletion of disputed items that can not be verified.

* * * CDIA Metro 2 Guidelines * * Require that all data fields ( Account Status, Balance, Payment Rating, Date of First Delinquency, etc. ) remain internally consistent and factually accurate. Reporting contradictory or incomplete information is non-compliant.

Demand for Action : 1. * * Reinvestigate * * each disputed item with the furnisher and obtain complete documentary proof of accuracy.

2. * * Delete * * any item that can not be verified in full compliance with the FCRA and Metro 2 guidelines.

3. Provide me with a new credit report reflecting these changes and a description of your investigation method as required by * * FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) * *.

Failure to correct these violations within 30 days will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the * * Federal Trade Commission ( FTC ), and the * * New York State Attorney General * *, and pursuing all available legal remedies for willful noncompliance under FCRA 1681n * *. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation