Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
FCRA Dispute Letter - Violation of 15 U.S.C. 1681 et seq. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CERTIFIED MAIL - RETURN RECEIPT REQUESTED Exchange Service Center - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : DEMAND FOR REINVESTIGATION - INACCURATE CREDIT INFORMATIONConfirmation # XXXX To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681c ( a ) ( 5 ), to formally dispute inaccurate, incomplete, and unverifiable information appearing in my consumer report. After reviewing my XXXX  consumer report ( Confirmation # XXXX ) dated XX/XX/XXXX, I have identified multiple serious violations of FCRA, ECOA, and Metro 2 Format reporting requirements.

ITEMS BEING DIXXXX XXXX XXXX XXXX XXXX XXXX Reporting Violations Multiple inquiry types ( XXXX XXXX XXXX XXXX XXXX XXXX  for the same company with overlapping dates Reporting dates span from XX/XX/XXXX through XX/XX/XXXX without proper delineation ECOA reporting codes are inconsistent and fail to properly reflect my relationship status These entries violate FCRA 605 ( a ) ( 5 ) regarding obsolete information that may not legally be reported XXXX. XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX exceed permissible retention timeframes per FCRA 605 ( a ) Duplicate inquiry entries with code AR ( XX/XX/XXXX ) and SR ( XX/XX/XXXX ) without proper permissible purpose documented Failure to properly document permissible purpose for each inquiry as required by FCRA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Accounts with Improper XXXX XXXX Format Reporting Account # XXXX : Improper reporting of Non-Pay Disconnect status without appropriate Base Segment codes Account # XXXX : Charge-off amount reporting fails Metro 2 standards for XXXX segment reporting Both accounts violate FCRA 623 ( a ) ( 1 ) ( B ) by failing to report complete and accurate information LEGAL BASIS FOR DISPUTE This dispute is filed under multiple legal authorities, all of which require your immediate response and corrective action : 1. FCRA 611 ( 15 U.S.C. 1681i ) - Requires you to conduct a reasonable reinvestigation within 30 days, not a cursory review. The standard under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) requires you to go beyond merely asking the furnisher if the information is accurate.

2. FCRA 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) - Prohibits reporting of obsolete information, specifically records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years or other adverse information beyond statutory time limits.

3. ECOA Violations ( 15 U.S.C. 1691 et seq. ) - The Metro 2 Format requires specific ECOA codes in Base, XXXX and XXXX Segments to properly document account relationships. The inconsistent coding in my report violates these requirements. 
4. Metro 2 Format Violations- The Consumer Data Industry Associations Credit Reporting Resource Guide mandates specific field requirements, segment structures, and codes that are not being followed in my report.

DEMANDED ACTIONS Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I DEMAND that you : 1. Conduct a thorough investigation of all disputed items within 30 days 2. Delete ALL information that can not be properly verified according to Metro 2 standards 3. Remove all duplicate entries and obsolete information as required by FCRA 605 ( a ) 4. Correct all ECOA code violations in all segments ( Base, XXXX, XXXX ) XXXX. Provide written verification of all changes and corrections made XXXX. Send me a free updated consumer report reflecting these corrections XXXX. Notify all furnishers of information about these corrections

Company response to consumer: Closed with explanation