Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/year> * * To : * * Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX * * CC : * * Equifax XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX * * Re : Follow-Up to CFPB Complaint # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dear CFPB Dispute Resolution Team, This letter serves as a formal follow-up and escalation of my prior complaint ( # XXXX ), originally filed on XX/XX/year>. The subject of the dispute concerns the inaccurate and non-compliant reporting of a revolving credit account furnished by * * XXXX XXXXXXXX XXXX XXXX * * and reported by * * Equifax * *. 

Despite Equifax 's response on XX/XX/year>, indicating updates to fields such as * * '' Closed Date, Scheduled Payment, Past Due, Charge-Off Amount, Status, Activity Designator, Additional Information, and Account History, '' * * the core issues and statutory violations I raised remain * * unaddressed * * and * * unresolved * *. Their investigation was incomplete and in direct violation of several federal provisions. 

-- - # # # * * Unresolved Legal Violations * * # # # # * * 1. FCRA 611 ( a ) Duty to Reinvestigate and Delete Inaccurate/Unverifiable Information * * Equifax made limited field updates but * * failed to investigate or address * * the multiple * * Metro 2 formatting violations * *, * * missing dispute codes * *, and * * noncompliant status reporting * * I explicitly cited.

# # # # * * 2. FCRA 609 ( a ) Right to Full Verification * * No original documentation ( e.g., signed agreement, charge-off validation, or DOFD source data ) has been provided. Updating database fields * * does not fulfill verification obligations * * under 609 ( a ).

# # # # * * 3. FCRA 623 ( a ) ( 5 ) Failure to Report DOFD Accurately * * The * * Date of First Delinquency * * is a critical data point affecting account aging and should be supported by original records, not unverifiable system data.

# # # # * * 4. FCRA 1681s-2 Furnishing Incomplete and Misleading Data * * The reported account reflects an over-limit balance without proper * * compliance condition codes * *, * * charge-off indicators * *, or * * Activity Designators * *. This creates a * * false and misleading credit profile * *, directly harming my creditworthiness.

# # # # * * 5. Metro 2 Compliance Failures * * Despite being an industry-mandated reporting standard, Equifax continues to allow : * * * No Date of Last Activity ( DLA ) * * * * * Missing or incorrect Consumer Information Indicator ( e.g., XB ) * * * * * No Compliance Condition Code * * * * * Over-limit balance without proper justification or charge-off designation * * -- - # # # * * Requested Action * * I am requesting the following : 1. * * Escalation of Complaint # 250528-21110467 for supervisory review. * * 2. A * * formal written response * * from Equifax with : * Documentation proving verification under FCRA 609 ( a ), * An itemized list of all Metro 2 fields furnished by First Financial Bank SD, and * Legal justification for continued reporting despite the identified errors.

3. If Equifax can not provide proper documentation or Metro 2 compliance, I request the * * immediate permanent deletion * * of this account.

4. CFPB acknowledgment of these unresolved legal violations and whether regulatory penalties or legal enforcement is being considered.

If the issues are not resolved within XXXX days of receipt of this letter, I will prepare legal action under * * FCRA 616 and 617 * * for willful and negligent noncompliance. I am prepared to submit complaints to the FTC, XXXX  Attorney Generals Office, and initiate suit in small claims court for damages caused by the inaccurate credit reporting. 

Thank you for your time and attention to this matter. I expect a timely and complete response. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief