Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern : I am writing to dispute and bring to your attention several reporting violations under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines related to Segment 25 reporting. 
I have recently reviewed my credit report from Equifax, XXXX, and XXXX and observed discrepancies in the reporting of certain accounts. Upon thorough examination, I have identified inconsistencies in the data provided by the data furnisher to each agency, as well as disparities in reporting for the same accounts across multiple credit reporting agencies. 
The specific issues I would like to address are as follows : 1. Violation of FCRA and Metro 2 Guidelines : There appears to be a violation of both FCRA and Metro 2 guidelines concerning the reporting of Segment 25 data. I request a detailed investigation into this matter to ensure compliance with regulatory standards. 
2. Inconsistent Data Across Credit Reporting Agencies : Discrepancies have been identified in the data furnished by creditors to different credit reporting agencies. The inconsistent reporting of the same accounts raises concerns about the accuracy and reliability of the information presented in my credit reports. 
3. Violation of Statute of Limitations ( SOL ) Guidelines : I believe there may be violations of the SOL guidelines in the reporting of certain accounts. I request a thorough review to ensure that all reported information complies with the applicable SOL for each account. 
I kindly request that you initiate a comprehensive investigation into these matters and provide a detailed response within the timeframe prescribed by law. Please correct any inaccuracies or discrepancies found during your investigation and update my credit report accordingly. 
Enclosed in this letter are copies of relevant account data supporting my claims. 

XXXX XXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA c ) The Equifax shows : NOT REPORTED AS REQUIRED by the FCRA 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX XXXXXXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA c ) The Equifax shows : NOT REPORTED AS REQUIRED by the FCRA 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : No Data Reported c ) The Equifax shows : No Data Reported I want to thank you in advance for your speedy assistance with this matter. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation