Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am writing regarding systematic Metro 2 formatting violations and Fair Credit Reporting Act non-compliance related to the above-referenced account ( s ). My investigation has revealed material violations of industry standards and federal consumer protection law. 

I. METRO 2 CRRG FORMAT VIOLATIONS IDENTIFIED Your reporting contains the following technical violations of the Credit Reporting Resource Guide : 1. Base Segment Non-Compliance : Account Status Code [ X ] improperly maintained beyond charge-off date Missing Compliance Condition Code XB during dispute period Portfolio Type field misclassification affecting credit scoring 2. K1 Segment Omissions : Failure to include Special Comment Codes during dispute investigation Missing compliance condition markers required under EOSCAR standards 3. Data Element Inconsistencies : [ SPECIFIC FIELD VIOLATIONS WITH METRO 2 FIELD NUMBERS ] II. FCRA PROCEDURAL VIOLATIONS Your organization has violated the following FCRA provisions : 1681s-2 ( b ) - Furnisher Obligations : Failure to conduct reasonable reinvestigation upon notice of dispute Continued reporting of disputed information without proper investigation Inadequate review of consumer-provided documentation 1681i - Dispute Procedures : Investigation timeline exceeded statutory 30-day maximum Inadequate consumer notification of investigation results Failure to provide required consumer rights disclosures III. DAMAGES AND LIABILITY EXPOSURE These violations expose your organization to : Actual Damages : Credit denial, increased interest rates, employment consequences Statutory Damages : XXXX XXXXXXXX {$1000.00} per violation under 15 U.S.C. 1681n Punitive Damages : Willful non-compliance penalties Attorneys Fees : 15 U.S.C. 1681o costs and reasonable attorney fees Injunctive Relief : Court-ordered compliance procedures IV. DEMAND FOR CORRECTIVE ACTION IMMEDIATE REQUIREMENTS ( Within 10 Business Days ) : 1. Complete Account Deletion from all three credit reporting agencies 2. Written Confirmation of deletion with reference numbers 3. Internal System Correction to prevent future inaccurate reporting 4. Compliance Audit of Metro 2 formatting procedures ALTERNATIVE CORRECTIVE REPORTING ( If Account Verified ) : 1. Proper Metro 2 Formatting : Apply Compliance Condition Code XB if disputed Include appropriate K1 segment special comments Correct Account Status Code and Portfolio Type designation 2. FCRA Compliance Documentation : Provide complete investigation file Submit EOSCAR confirmation codes Include original creditor verification records V. SETTLEMENT OPPORTUNITY To resolve this matter without litigation, I demand : Monetary Compensation : $ [ AMOUNT ] for FCRA violations and credit damage Complete Account Deletion with confirmation letters Credit Monitoring Services for 12-month period Written Agreement preventing future reporting on this account VI. PRESERVATION NOTICE You are hereby notified to preserve all documents, electronic records, communications, and data related to this account and me, including but not limited to : Original creditor files and purchase documentation Internal investigation records and procedures EOSCAR/E-OSCAR system communications Employee training materials on Metro 2 compliance Audit records and compliance monitoring reports

Company response to consumer: Closed with non-monetary relief