Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX | XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX **Subject : Formal Demand for Permanent Deletion of Inaccurate and Non-Compliant Accounts Under Metro 2 and FCRA** To Whom It May Concern : I, XXXX XXXX ( XXXX : XXXX, XXXX : XX/XX/XXXX ), formally dispute the following accounts on XXXX XXXX and TransUnion credit reports as inaccurate and demand their **permanent deletion** under **Metro 2 compliance standards** and the **Fair Credit Reporting Act ( FCRA 611 ) **. These accounts violate federal law and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXXMetro 2 Violations** : - XXXX XXXX XXXX Inconsistent reporting of missed payments ( XXXX : XXXX XXXX vs. TransUnion : XXXX missed ). 
- ** XXXX : Falsely labeled " Currently late '' despite closure ( if applicable ) and no valid post-closure delinquency. 
- ** XXXX : Retains derogatory marks beyond the XXXX reporting timeline ( if opened before XXXX ). 

**Demand** : **Delete** both accounts for systemic inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Equifax XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXXMetro XXXX ViolationsXXXX XXXX XXXX XXXX XXXX XXXX Contradictory missed payment counts ( XXXX : XXXX XXXX vs. TransUnion : XXXX missed ). 
- **Field XXXX : Incorrect " Currently late '' status without validation. 

**Demand** : **Delete** for failure to verify delinquency. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXMetro XXXX Violations** XXXX - ** XXXX : Discrepancies in status ( " Currently on-time '' vs. XXXX missed payments ). 
- **Field 27** : Invalid Date of First Delinquency ( DFD ) due to conflicting activity.

**Demand** : **Remove** late payment notations or delete the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXXMetro XXXX Violations** : - ** XXXX : Reports " XXXX missed '' payments and " Currently late '' status without proof of post-closure activity. 
- **Field 17** : Omits Compliance Condition Code " AH '' despite disputes. 

**Demand** : **Delete** this unverified delinquency. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXXMetro XXXX Violations** XXXX - ** XXXX : Lists " XXXX missed '' payment but marks account as " Currently on-time. '' - ** XXXX : Fails to provide payment history validation. 

**Demand** : **Correct** to reflect 100 % on-time payments or **delete** the account. 

-- - # # # **Legal Basis for Deletion** Under **FCRA 611 ( a ) ( 1 ) ( A ) **, credit bureaus must ensure data is **accurate, verifiable, and Metro 2 compliant**. Furnishers failed to : 1. Validate payment histories or delinquency dates.

2. Resolve discrepancies between bureaus.

3. Apply **Compliance Condition Code " AH 'XXXX XXXX  to disputed accounts. XXXX XXXX XXXX  XXXX XXXX XXXXDemand for Immediate Action** 1. **Permanently delete** all disputed accounts.

2. **Reinvestigate** using eOSCAR technology to confirm Metro 2 compliance.

3. Provide a **Method of Verification ( MOV ) ** within 30 days.

**Failure to comply** will result in : - Escalation to the **Consumer Financial Protection Bureau ( CFPB ) **.

- Legal action under **FCRA XXXX for damages. XXXX XXXX XXXX XXXX XXXX XXXXttached Documentation** 1. Screenshots of discrepancies ( XXXX, XXXX ). 
XXXX. Proof of resolved disputes ( if applicable ). 

Sincerely, XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX | Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief