Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Date : [ Insert Today 's Date ] Re : Formal Notice of Dispute and Demand for Immediate Deletion under Metro 2 Format and Federal Consumer Laws To Whom It May Concern, This letter serves as a formal dispute and demand for immediate deletion of certain derogatory accounts currently appearing on my Experian credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in accordance with Metro 2 compliance standards as required under the Credit Reporting Resource Guide ( CRRG ) and the Credit Reporting Settlement Agreement ( CRSA ). 

I am disputing the accuracy, completeness, and legality of the following accounts : XXXX. XXXX XXXX XXXX Account # : XXXX Issue : Multiple Metro 2 field violations, including inconsistent activity dates ( Experian XXXX TransUnion ), incomplete or missing payment history, improper ECOA coding, unverified original creditor data, and a deficient trailing segment as per P-Segment requirements. 

XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Inconsistent reporting of creditor address and date fields, missing credit limit and scheduled payments, and improper classification of the account as derogatory across bureaus without proper Metro 2 compliance. Also includes missing verification per 15 USC 1681i and 1681s-2. 

XXXX. XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Inconsistent payment data, including mismatched last payment dates ( XX/XX/XXXX, on Experian vs. XX/XX/XXXX, on Equifax ) . Violates FCRA Section 607 ( b ) [ 15 USC 1681e ( b ) ] for failure to ensure maximum possible accuracy. Also fails to meet CRSA Metro 2 reporting fields such as Account Cycle Identifier, Original Creditor field, and P-Segment accuracy.

LEGAL BASIS FOR REQUEST : FCRA Section 609 ( a ) ( 1 ) ( A ) : You are required to provide me with a copy of the original signed consumer contract bearing my signature.

FCRA Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] : Items must be verified or removed within 30 days of dispute receipt.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Information furnishers must report accurate data and correct any known inaccuracies.

Metro 2 Format Requirements ( as per CDIA and CRRG ) : Non-compliance with field integrity, such as missing or inconsistent Activity Dates, ECOA Codes, and Payment History, requires deletion.

CRSA/CDIA Standards : Data furnishers and CRAs must include fully completed P-Segment with minimum five-part personal identifiers and trailing segment field population. Auto-generated entries ( e.g., XXXX or ///// ) are considered null and void. 
DEMAND : Delete the above-referenced accounts from my Experian credit report immediately due to non-compliance with federal laws and Metro 2 guidelines.

Provide documentation within 10 business days that includes : The original signed contracts for each account ( per FCRA 609 ) Metro 2 P-Segment data and full trailing segment for each tradeline Names and contact info of entities you contacted during your investigation ( per 611 ( a ) ( 7 ) ) An updated copy of my credit report If you fail to remove the items or provide proof of full compliance with Metro 2 formatting and the above laws, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office, and seek monetary damages under FCRA 616 & 617.

This letter is also a Cease and Desist regarding the continued reporting of inaccurate, unverifiable, and misleading data that is harming my creditworthiness. 

Thank you for your immediate attention to this matter. I expect a full response within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief