Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS UNDER FCRA & METRO 2 COMPLIANCE I am formally disputing the inaccurate, unverifiable, and misleading late payments reported on my credit file. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to report only accurate and verifiable information. Any late payment that is inaccurately reported, unverifiable, or inconsistent across bureaus must be immediately deleted.

Furthermore, the Metro 2 compliance guidelines, as outlined by the Consumer Data Industry Association ( CDIA ), mandate that all data follow standardized reporting procedures. The following late payments violate these legal and regulatory standards and must be removed immediately : Late Payments in Violation of FCRA and Metro 2 Compliance XXXX. XXXX XXXX, XXXX, XXXX late payments ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX, XXXX late payments ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX late payment ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX XXXXXXXX late payment ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX, XXXX, XXXX late payments ( XXXXransUnion, Experian, Equifax ) These late payment records are being disputed due to the following violations : Unverified & Unsubstantiated Data : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), any information on a credit report that can not be verified must be removed within 30 days. If the furnishers fail to provide hard evidence of my alleged late payments, they must be deleted immediately.

Metro 2 Compliance Violations : If these late payments were not properly formatted under the E-Oscar dispute system or lack Date of First Delinquency ( DOFD ) alignment, they are non-compliant and must be deleted.

Reporting Inconsistencies Across Bureaus : Late payments must be identical across all three major credit bureaus. Any inconsistency, such as differing dates or statuses, constitutes negligence in reporting and a direct violation of FCRA 1681e ( b ).

Failure to Provide Written Notice of Negative Reporting : Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), I should have been notified in writing before these negative marks were placed on my report. If no proof of such notification exists, these accounts must be removed immediately. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This court ruling determined that a credit reporting agency ( CRA ) can not merely rely on the original creditor to verify disputed information. If you attempt to validate these late payments without independent verification, you are in direct violation of this legal precedent and FCRA regulations.

Formal Demand for Immediate Action This letter serves as official notice under the FCRA and Metro 2 standards. I expect written confirmation of the permanent deletion of these late payments no later than XX/XX/XXXX. 

Failure to comply will result in immediate escalation and legal recourse. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief