Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Non-Compliant Reporting under FCRA and Metro 2 Demand for Immediate DeletionRe : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF DISPUTE PURSUANT TO FCRA, SECTION 611, 15 U.S.C. 1681i Dear Dispute Department : I am writing to dispute the accuracy and compliance of the reporting for the above-listed accounts appearing on my credit report. These accounts are being reported with inconsistent, inaccurate, and unverifiable information which violates provisions under the Fair Credit Reporting Act ( FCRA ) as well as Metro 2 Credit Reporting Resource Guidestandards.

I. ISSUE Inaccurate Reporting in Violation of Metro 2 and FCRA The accounts listed above are reported with material discrepancies regarding the payment history, account status, and balance, specifically : * Status Reporting : The accounts are marked with derogatory statuses that are inconsistent with their current standing and timeline. If these are closed or paid accounts, they must reflect a XXXX balance and indicate Paid in Full or Closed per Metro 2 guidelines. 
* Balance & Date Inconsistencies : The balances and " Date of Last Activity '' do not align with any payment record, leading to suspicion of re-aging or improper data updates a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
* Incomplete and Misleading Payment History : These accounts reflect months of unverifiable delinquencies and fail to comply with the accurate and complete historical reporting requirements of the Metro 2 format ( Field XXXX Payment Rating, and Base Segment Fields XXXX ). 
The continued reporting of these discrepancies directly contradicts the Maximum Possible Accuracy requirement outlined in 15 U.S.C. 1681e ( b ) and creates a misleading impression of my creditworthiness. 

XXXX. LAW Governing Rights Under FCRA and Metro 2 Compliance Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am formally requesting that you conduct a thorough reinvestigation of these accounts. Credit reporting agencies are required to delete or correct any information found to be inaccurate or unverifiable within 30 days. 
Furthermore : * Per 15 U.S.C. 1681s-2 ( b ), furnishers of information ( such as XXXX, XXXX, and XXXX XXXX XXXX XXXX verify the accuracy of data when a dispute is filed. 
* Reporting entities must follow Metro 2 compliance standards as established by the Consumer Data Industry Association ( CDIA ). Failure to adhere to Metro 2 format for reporting account status, payment history, and date of last activity constitutes a material violation of compliance and due process under federal law. 

XXXX. HARM How Inaccurate Data Has Negatively Impacted My Creditworthiness The inaccurate and non-compliant reporting of these collection accounts is materially harming my credit profile by : * Artificially lowering my FICO and XXXX models due to incorrect delinquency indicators. 
* Obstructing my access to fair credit, employment opportunities, and housing. 
* Creating a false impression of ongoing derogatory behavior, in contradiction with my actual payment performance and resolution of debts. 
This constitutes defamation of character and negligent enablement of third-party denial of credit, actionable under 15 U.S.C. 1681n and 1681o, which provide for civil liability, statutory damages, attorneys fees, and even punitive damages in cases of willful noncompliance. 

IV. DEMAND Immediate Deletion and Metro 2 Correction In accordance with FCRA 611 ( a ) and Metro 2 compliance, I hereby demand : XXXX. A full investigation of the aforementioned accounts. 
XXXX. Immediate deletion or accurate correction of each entry that fails to meet the maximum possible accuracy standard. 
XXXX. Written confirmation of your findings within XXXX calendar days. 
XXXX. If your investigation can not verify the accuracy of the reporting, you are required by law to delete the disputed information from my credit file. 
Please note this dispute is being formally submitted for compliance with the e-OSCAR system, and as such must be coded accordingly using appropriate dispute codes such as : * XB ( Consumer disputes account information, general ) * FC ( Information reported is inaccurate ) * DA ( Delete Account ) V. RESERVATION OF RIGHTS This letter shall serve as formal notice that I reserve all rights to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and to seek civil relief in the event of non-compliance, negligent misreporting, or failure to reinvestigate under FCRA law. 
I expect this matter to be resolved within the statutory timeframe. Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief