Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/2025 Equifax Information Services, XXXX XXXX : XXXX Department XXXX XXXX XXXX XXXX, GA XXXX RE : METRO 2 FORMAT COMPLIANCE VIOLATIONS- URGENT DEMAND LETTER Account Number/File Number : [ Your File Number if known ] To Whom It May Concern : I am writing to formally address serious Metro 2 compliance violations affecting my consumer credit file maintained by Equifax. This letter serves as both a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a demand for immediate corrective action regarding technical compliance failures. 
Documented Access Failures I have made multiple unsuccessful attempts to access my credit report through both XXXX direct consumer portal and XXXX, which is my legal right under the FCRA. Each attempt has resulted in system errors indicating XXXX experienced an issue processing your request. Furthermore, I have called Equifax customer service three times, during one of which the representative terminated the call without resolution. These access failures appear to be directly related to underlying Metro 2 format violations in my file.

Specific Metro 2 Compliance Violations Based on information visible in my partial credit file and error messages, I have reasonable belief that the following specific Metro 2 violations exist : 1. Improper Consumer Information Data Architecture ( CIDA ) Codes : The Consumer Data Industry Association requires specific formatting for bankruptcy information and dispute handling, which appears to be incorrectly implemented in my file. 
XXXX. Consumer Compliance Condition Code ( CCC ) Violations : My file likely contains improper coding or missing CCC designations for disputed accounts, accounts affected by bankruptcy proceedings, or accounts closed at consumer request. 
XXXX. XXXXXXXX XXXX XXXX Integration Issues : The bankruptcy information furnished by XXXX XXXX XXXX has not been properly formatted according to XXXX XXXX standards when integrated into my Equifax file, creating data integrity issues that prevent proper file access. 
4. Payment History Profile ( PHP ) Coding Errors : Accounts may be improperly coded regarding delinquency status or payment history, particularly related to any accounts included in bankruptcy proceedings.

Legal Violations These XXXX XXXX compliance failures constitute violations of multiple federal consumer protection laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Failure to follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and failure to provide consumer access to file information ( 15 U.S.C. 1681g ).

2. Fair and Accurate Credit Transactions Act ( FACTA ) : Denial of access to my free annual credit report as guaranteed by federal law. 
XXXX. Truth in Lending Act ( XXXX ) : If the XXXX XXXX formatting errors affect the reporting of account terms or payment histories in ways that misrepresent the original credit terms disclosed under TILA.

Recent CFPB Enforcement Action I note that on XX/XX/2025, the Consumer Financial Protection Bureau ( CFPB ) issued an enforcement order against Equifax for {$15.00} XXXX, specifically for violations related to improper investigation of consumer disputes and inaccurate credit reporting. According to the CFPBs findings, Equifax : XXXX. Failed to properly conduct reinvestigations of disputed information in consumer files. 
XXXX. Failed to prevent improper reinsertion of previously deleted information. 
XXXX. Failed to provide adequate written notice to consumers regarding investigation results. 
XXXX. Failed to follow reasonable procedures to assure maximum possible accuracy of information. 
My situation directly mirrors the systemic failures identified in this recent enforcement action, suggesting that my case is not an isolated incident but part of a pattern of non-compliance with federal consumer protection laws that has already been recognized by federal regulators. 
Reservation of Rights for Legal Claims I expressly state that I intend to pursue all available legal remedies for the damages I have already suffered due to these Metro 2 compliance violations, regardless of whether Equifax takes corrective action in response to this letter. Any correction of my credit file at this point will not remedy : 1. The significant time and effort I have already expended attempting to resolve these issues, including multiple phone calls where I was disconnected without resolution. 
XXXX. The emotional distress and frustration caused by being denied access to my legally entitled credit information. 
XXXX. Potential harm to my creditworthiness during the period these violations persisted. 
XXXX. The violation of my federally protected rights to access my credit information and have it reported accurately. 
Simply fixing these issues now does not absolve Equifax of liability for past violations, nor does it compensate me for the harm already caused. I expressly reserve all rights to pursue claims for statutory damages, actual damages, punitive damages, and attorneys fees under the FCRA and other applicable laws, regardless of any remedial steps Equifax may take after receiving this letter. The ongoing XXXX XXXX compliance violations on my profile constitute continuing violations of federal law that can not be erased by belated compliance efforts. 
Immediate Demands I hereby demand the following actions be taken within 15 business days of receipt of this letter : 1. A complete audit of my credit file to identify and correct all XXXX XXXX formatting violations, particularly those related to XXXX codes, CCC fields, and bankruptcy information. 
2. Immediate provision of a complete copy of my credit report via secure mail or alternative secure electronic delivery.

3. Written documentation of all identified XXXX XXXX compliance issues found and corrective actions taken. 
XXXX. Implementation of proper XXXXonsumer Compliance Condition Codes ( CCC ) where applicable in my file.

5. Correction of any matching algorithms or procedures that improperly link XXXX bankruptcy data to my consumer credit file. 
XXXX. A direct contact person at Equifax authorized to discuss Metro 2 compliance issues and their resolution.

Notice of Escalation If these demands are not satisfactorily met within the timeframe specified, I will file formal complaints with : 1. The Consumer Financial Protection Bureau ( CFPB ) XXXX. The Federal Trade Commission ( FTC ) XXXX. My states Attorney Generals office Additionally, I reserve the right to pursue all legal remedies available under the FCRA, including statutory damages, actual damages, punitive damages, and attorneys fees as applicable under 15 U.S.C. 1681n and 1681o.

Please direct all communications regarding this matter in writing to the address listed above. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau Federal Trade Commission Louisiana Attorney XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Enclosures : Screenshots of access errors Documentation of phone call attempts [ Any other relevant documentation ]

Company response to consumer: Closed with explanation