Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XX/XX/XXXX **Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX **Subject : Dispute of Collection Account - Metro 2 Compliance** Dear Equifax Dispute Department, I am writing to formally dispute the collection account XXXX XXXX XXXX account # [ XXXX XXXX listed on my Equifax credit report. This account is reported inaccurately and does not comply with Metro 2 standards.

According to the Metro 2 format, data furnishers must ensure the accuracy, completeness, and integrity of the information reported. I believe the collection account in question violates these standards. Specifically : 1. **Inaccurate Information : ** The account status, balance, or dates reported are incorrect.

2. **Incomplete Reporting : ** The account does not reflect accurate information about my payment history.

3. **Misleading Information : ** The account includes information that is misleading and damaging to my credit profile. 
I respectfully request a thorough investigation and prompt correction of this information. In the spirit of ensuring complete transparency and accuracy, please provide : - Documentation verifying the accuracy of the information being reported. 
- Verification that the data complies with Metro 2 reporting guidelines. 
- A detailed explanation of the steps taken to investigate this dispute. 

In support of my dispute, I would like to draw your attention to several court cases where Equifax was found to have reported inaccurate or incomplete information, emphasizing the importance of adherence to accurate reporting standards : 1. XXXX  XXXX XXXX, XXXX , Equifax , et al. ( XXXX ) : ** In this case, the court ruled in favor of the plaintiff due to incorrect and misleading information reported by Equifax, highlighting the significance of accuracy in credit reporting. 

2. **Soutter v. Equifax Information Services LLC ( XXXX  ) : ** This case resulted in a settlement where Equifax was found liable for not maintaining accurate credit information, which further stresses the necessity for strict compliance with reporting standards. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Equifax ( XXXX  ) : ** Although primarily against XXXX , Equifax was also implicated for failing to ensure accurate and clear reporting, leading to legal repercussions. 

Given these precedents, it is clear that inaccurate reporting can lead to significant legal consequences. I urge Equifax to address this dispute promptly and rectify the inaccuracies in my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Please provide written confirmation that this account has been corrected or deleted from my credit report within the 30-day investigation period as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation