Consumer complaint received 2025-07-27 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 XXXXXXXX XXXX XXXX XXXX XXXX il XXXX Date : XX/XX/XXXX RE : Formal Dispute of XXXX  ACCOUNT Metro 2 Compliance Demand Account Number : XXXX Reporting Creditor : XXXX TransUnion Report Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ] and demands that you immediately remove or correct the XXXX account listed above due to violations of both Metro 2 reporting standards and the FCRA. 

Upon detailed review, the data being reported is factually and technically inaccurate, and you are currently in violation of Metro 2 data furnishing guidelines, which your company is required to adhere to under your credit data furnishing agreements and obligations under federal law.

Specific Compliance Failures Include : 1. Charge-Off Balance vs. High Balance Conflict : Reporting a charge-off with a balance of {$8700.00} while also stating the high balance as {$8100.00} is a direct contradiction and inconsistent with Metro 2 Field 17 & 18 requirements, which demand data accuracy and internal consistency. You can not report a charge-off amount greater than the high balance. This is materially misleading and creates a false impression of the consumers debt. 
2. Missing and Incomplete Payment History : According to Metro 2 Format Layout and FCRA 602 ( A ), furnishers must maintain complete and accurate reporting, including valid month-by-month payment history. The absence of data for multiple months and years ( N/A across XXXX ) violates the Metro 2 Base Segment Field 39 ( Account Status History ) and misrepresents the tradeline. 
XXXX. Failure to Report Accurate Delinquency Timeline ( Compliance Condition Codes ) : There is a discrepancy in delinquency reporting some months show no data, others show charged-off remarks. These contradictions indicate failure to furnish consistent Compliance Condition Codes, violating FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 Segment Field 25 ( Account Status Code ).

4. Re-aging and Activity Date Manipulation : Your records reflect Last Activity as XX/XX/XXXX with a charge-off reported in XXXX more than 180 days after the initial delinquency, possibly violating the 7-year limit under FCRA 605 ( a ) if inaccurately re-aged. This behavior is flagged as abusive under CFPB guidance and undermines lawful consumer rights.

Demand for Immediate Action : In accordance with 15 U.S.C. 1681i and Metro 2 Compliance Procedures, you are hereby notified to : 1. Immediately DELETE this XXXX  tradeline from my TransUnion credit file for failure to meet compliance and accuracy standards ; 2. Provide a full reinvestigation within 30 calendar days as mandated by the FCRA ; 3. Send me a copy of the results of your reinvestigation, including the data source, method used, and any documentation XXXX provided in support of the accounts accuracy. 

If you fail to remove this account, I will file complaints with the Federal Trade Commission ( FTC ), and pursue legal action under FCRA 616 and 617, seeking statutory damages for your noncompliance.

This is your final opportunity to correct the illegal and misleading data being reported. Your failure to ensure full Metro 2 and FCRA compliance constitutes willful negligence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation