Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
Re : Dispute Regarding Equifaxs Failure to Remove Unverifiable Account Dear Sir/Madam, I am writing to formally lodge a dispute against Equifax for its improper handling of my credit report, specifically regarding a charge-off account originally reported by XXXX XXXX XXXX, Account XXXX XXXX XXXX, which was recently removed from my XXXX credit report following a thorough investigation. 
The charge-off in question, with an amount of {$26000.00}, was reported on my Equifax credit report. However, following my dispute with XXXX, XXXX conducted an investigation and determined that the information provided by XXXX XXXX XXXX was unverifiable. As a result, XXXX removed this account from my report as of XX/XX/year>. Despite this, Equifax has failed to remove this same account, claiming that the information was accurate and correct. 
I believe that XXXX actions violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), as it has failed to conduct an appropriate and thorough investigation. Specifically : XXXX. Failure to Remove Unverifiable Information : Under FCRA Section 611 ( 15 U.S.C. 1681i ), if an account is deemed unverifiable by one credit reporting agency, that information must be removed from the consumer 's credit report. XXXX found the account unverifiable and removed it, yet Equifax has refused to do the same.

5. Duty to Report Accurate Information : Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers ( including Equifax ) are required to report only accurate and complete information. As XXXX has already deemed this information unverifiable, Equifax must align its records accordingly and remove the account from my credit report. 
XXXX. Failure to Properly Investigate : The fact that XXXX removed the account while Equifax maintains it is accurate indicates that Equifax did not perform a proper investigation in compliance with the FCRA. Section 616 ( 15 U.S.C. 1681n ) allows consumers to seek legal recourse for willful noncompliance with the FCRA, and Section 617 ( 15 U.S.C. 1681o ) allows for recourse in cases of negligent noncompliance. 
Additionally, I would like to draw attention to the CFPB lawsuit against Equifax regarding the company 's failure to properly manage and report consumer information, which further underscores the seriousness of these violations. It is clear that Equifax has a pattern of improperly handling consumer disputes and failing to comply with federal regulations, thus harming consumers like myself. 
In addition to the FCRA, I would like to reference the Metro 2 guidelines, which are recognized standards for credit reporting by the XXXX XXXX XXXX XXXX ( XXXX ) and govern the accurate reporting of consumer data. The relevant sections of Metro 2 are : 1. Metro 2 Standard Account Status ( Section 5.5 ) : This section requires that any account that is inaccurately or unverifiably reported must be updated or deleted promptly. As XXXX has removed the account due to unverifiability, Equifax is obligated to do the same under the Metro 2 standard.

2. Metro 2 Standard Data Integrity ( Section 6.2 ) : Data furnishers and credit reporting agencies must ensure that all information reported is complete and accurate. If an account can not be verified, it is required to be removed or corrected. Since XXXX has determined this account is unverifiable, Equifax is in violation of Metro 2 by maintaining it on my report.

3. Metro 2 Standard Investigation and Resolution ( Section 7.1 ) : When a dispute is filed, credit reporting agencies must perform a thorough investigation to ensure the accuracy of the information reported. The failure of Equifax to align its report with XXXX ' findings demonstrates a failure to follow the proper investigative processes outlined in the Metro 2 guidelines.

I request that Equifax immediately conduct a proper investigation and delete this account from my credit report in compliance with the Metro 2 guidelines and the FCRA. If this matter is not resolved within 30 days, I will file a formal complaint with the Consumer Financial Protection Bureau and pursue any necessary legal action to ensure that my rights are upheld under the FCRA and Metro 2 standards.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the account 's removal. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation