Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Demand for Permanent Deletion of Inaccurate, Outdated, and Unverifiable Accounts To Whom It May Concern, This is my Round Two dispute of the accounts listed below. I am demanding that your bureau conduct a lawful reinvestigation and either produce legally acceptable validation or permanently delete these items. 

You are required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and Metro 2 Compliance Standards to ensure accuracy and fairness in consumer reporting. Additionally, under 15 U.S.C. 1681c-2, if any of these accounts are the result of fraud or identity theft, you must block the information within 4 business days of notice. 

Continued reporting of these accounts without validation will be considered willful noncompliance. 

Disputed Accounts XXXX XXXX ( Acct. # XXXX ) Balance and status reported inconsistently across bureaus. 

Credit limit shown as {$0.00} ( Metro 2 violation : Credit Limit/Original Loan Amount field can not be XXXX on an active account ). 

Prior dispute marked resolved without proof. 

Violations : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), Metro 2, FDCPA 807 ( 8 ). 

XXXX XXXX  ( Acct. # XXXX ) Reported as both Closed and Charge-Off.

Conflicting balances ( {$680.00} vs. {$1400.00} ). 

Missing payment history ( Metro 2 requires complete history for derogatory accounts ). 

Violations : FCRA 607 ( b ), Metro 2 standards. 

XXXX XXXX / XXXX ( Acct. # XXXX ) Lease mislabeled as Charge-Off.

Balance exceeds high balance ( {$4800.00} vs. {$4400.00} ) impossible. 

Violations : FCRA 607 ( b ), Metro 2, 611 ( a ) ( 5 ). 

XXXX XXXX ( Acct. # XXXX ) Reported as In Good Standing while also showing Charge-Off. 

Previous dispute filed but no validation provided. 

Violations : FCRA 611 ( a ) ( 1 ) ( B ), FDCPA 807 ( 8 ). 

XXXX XXXX  ( Acct. # XXXX ) Listed as Disputed by Consumer but still reported without resolution. 

No payment histor

y provided ( Metro 2 violation : missing required fields ). Violations : FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ). 

XXXX  XXXX XXXX # XXXX ( Acct. # XXXX ) Duplicate entries for same account with different statuses. 

Contradictions include Charge-Off vs. Consumer Disagrees. 

Violations : FCRA 607 ( b ), Metro 2 duplicate tradeline rules. 

XXXX XXXX XXXX ( Acct. # XXXX ) Same account reported as Open Collection ( XXXX ) and Charge-Off ( XXXX ). 

This constitutes re-aging of debt. 

Violations : FCRA 605 ( c ), Metro 2 re-aging rules. 

XXXX XXXX XXXX XXXX XXXX ( Acct. # XXXX ) Reported three ways : Open, Refinanced, and Charge-Off.

Contradictory coding violates Metro 2 format for Account Status and Special Comment Codes. 

Violations : FCRA 607 ( b ), 611 ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXX XXXX ( Acct. # XXXX ) Reported under multiple names, with statuses ranging from Open to Dispute Resolved. 

Duplicate derogatories violate Metro 2. 

Violations : FCRA 611 ( a ) ( 1 ) ( B ), Metro 2 duplicative tradeline rule. 

XXXXXXXX XXXX XXXXXXXX ( Acct. # XXXX ) Same debt reported under two entities with conflicting dates and statuses. 

This is deceptive and violates FDCPA and Metro 2 rules.

Violations : FDCPA 807 ( 10 ), FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief