{"took":301,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":332,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17225115","_score":24.535105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX, am filing this complaint because Equifax is reporting multiple inaccurate, unverified, and nonMetro-2-compliant items on my credit file. On XX/XX/year>, I sent Equifax a written dispute demanding validation and removal of derogatory items that do not meet the federally required standards of accuracy, completeness, timeliness, verifiability, and XXXX reporting compliance. \n\nEquifax is reporting incorrect personal identifiers, including : Incorrect or inconsistent name variations Incorrect former addresses Employers I never authorized Multiple inconsistent personal data fields These inaccuracies violate FCRA 607 ( b ) and 609.\n\nI also disputed numerous derogatory trade lines and public record items, including : Alleged charge-offs Alleged late payments Bankruptcy reporting deficiencies Accounts lacking permissible purpose Items missing required XXXX data fields Equifax has not provided proof of certified compliant reporting as required by FCRA 611, nor proof that any item was physically verified or validated. \n\nEquifax continues to report data containing : Missing fields Inconsistent data across bureaus Unproven balances Incorrect dates Questionable public record reporting These failures violate FCRA 602, 607, 611, and the XXXX XXXX Data Furnisher","date_sent_to_company":"2025-11-13T18:49:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78666","tags":null,"has_narrative":true,"complaint_id":"17225115","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-13T18:46:32.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I also disputed numerous derogatory trade lines and public record items, including : Alleged charge-offs Alleged late payments Bankruptcy reporting deficiencies Accounts lacking permissible purpose Items <em>missing</em> <em>required</em> XXXX data <em>fields</em> Equifax has not provided proof of certified compliant reporting as <em>required</em> by FCRA 611, nor proof that any item was physically verified or validated."]},"sort":[24.535105,"17225115"]},{"_index":"complaint-public-v1","_id":"15290278","_score":24.320663,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Names : Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with Metro 2 data standards.\n\n________________________________________ Complaint Narrative : On my Experian credit report dated XX/XX/year>, XXXX XXXX XXXX is reporting an account ( Account No. XXXX ) with XXXX late payments and a balance of {$33000.00} ( original ), marked Paid Off. However, the reporting contains numerous material inaccuracies, omissions, and contradictions that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 reporting standards. \nI have attached my direct dispute letter to XXXX ( furnisher ) and my FCRA 611 dispute letter to Experian. The specific issues include : 1. Missing Payment History & XXXX  No month-by-month payment codes or Date of First Delinquency provided, making the late payments unverifiable. \n2. Paid-Off Status Without Payoff Date The account is marked Paid Off but with no closure or payoff date. \n3. Blank Balance Fields Current Balance shows as instead of {$0.00}, and Amount Past Due is not provided despite late payment claims.\n\n4. Duplicate Entries Same incomplete XXXX account appears multiple times in my Experian file. \n5. Account Type Misclassification Listed as Utility despite the loan-like structure and large original balance.\n\n6. Missing Update Dates Balance updated date is blank.\n\n7. Missing Furnisher Contact Info No address or phone for XXXX in the credit report. \n8. Re-Aging Risk No XXXX or closure date means the account could be re-aged beyond the XXXX limit. \n9. Metro 2 Data Field Non-Compliance Multiple missing required fields under the Metro 2 format.\n\n10. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b ).\n\nImpact : This inaccurate reporting is damaging my credit score and misrepresenting my credit history. I have already sent disputes to both Experian and XXXX under FCRA 611 and 623 ( a ) ( 8 ), but I am concerned about ongoing violations and the failure to follow industry reporting standards.\n\nRelief Sought : Immediate deletion of the XXXX account from all credit reporting agencies, OR full correction to comply with Metro 2 standards and FCRA requirements. \nWritten confirmation from both Experian and XXXX. \nXXXX that this account will not be re-aged or re-reported without full compliance. \nAttachments : Experian dispute letter ( FCRA 611 ) Sunnova dispute letter ( FCRA 623 ( a ) ( 8 ) ) Credit report excerpt showing inaccurate tradeline ________________________________________ Metro 2 Field Violation XXXX XXXX XXXX XXXX XXXX Name / Number Exact Error Metro 2 Standard / FCRA Law Violated Why Violation ( Accuracy / Completeness / Consistency ) Payment History Profile ( Field XXXX ) No month-by-month payment codes provided despite claim of XXXX late payments Metro 2 Field 28 ; FCRA 623 ( a ) ( 5 ), 1681e ( b ) Prevents verification of delinquencies ; incomplete payment history violates Metro 2 Date of First Delinquency ( Field XXXX ) Missing XXXX  entirely FCRA 623 ( a ) ( 5 ) ; Metro 2 Field XXXX Required to determine XXXX reporting limit ; omission allows illegal re-aging Account Status ( Field XXXX ) / Date Closed ( Field XXXX ) Marked 'Paid off ' with no closure or payoff date Metro 2 Field XXXX & XXXX ; FCRA 1681e ( b ) Status/date mismatch prevents determining when delinquency ended Current Balance ( Field XXXX ) / Amount Past Due ( Field XXXX ) Current balance is \" instead of {$0.00} ; Amount Past Due missing Metro 2 Field XXXX & XXXX Blank balance fields XXXX inaccurate ; past due must be {$0.00} if balance is {$0.00} Base Segment Creditor Contact Information No furnisher address or phone number listed FCRA 609 ( a ) ( 1 ) ; Metro 2 Base Segment Consumers must be able to XXXX furnisher to dispute Account Type ( Field XXXX ) Reported as 'Utility ' despite large loan-like balance Metro 2 Field XXXX ; FCRA 1681e ( b ) Misclassification can mislead lenders and scoring models Date of Account Information ( Field XXXX ) 'Balance updated ' date blank Metro XXXX Field XXXX ; FCRA 1681e ( b ) Missing update date prevents determining currency of data Duplicate Tradeline Rule Same Sunnova account repeated multiple times without full details Metro 2 prohibition on duplicate tradelines ; FCRA 1681e ( b ) Misleads lenders into thinking there are multiple delinquent accounts FCRA Maximum Possible Accuracy Standard Multiple blank, contradictory, and incomplete fields FCRA 1681e ( b ) If data is unverifiable or incomplete, it must be deleted","date_sent_to_company":"2025-08-14T16:55:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"15290278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-14T16:45:27.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Missing</em> Update Dates Balance updated date is blank.\n\n7. <em>Missing</em> Furnisher Contact Info No address or phone for XXXX in the credit report. \n8. Re-Aging Risk No XXXX or closure date means the account could be re-aged beyond the XXXX limit. \n9. Metro 2 Data <em>Field</em> Non-<em>Compliance</em> <em>Multiple</em> <em>missing</em> <em>required</em> <em>fields</em> under the Metro 2 format.\n\n10. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b )."]},"sort":[24.320663,"15290278"]},{"_index":"complaint-public-v1","_id":"15290313","_score":23.837276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complainant : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  MA XXXX XXXX XXXX Company Names : XXXX  XXXX XXXX XXXX XXXX. \nSunnova Energy Corporation Product : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with XXXX XXXX data standards. \nXXXX Complaint Narrative : On my XXXX  credit report dated XX/XX/year>, Sunnova Energy Corp is reporting an account ( Account No. XXXX ) with XXXX late payments and a balance of {$33000.00} ( original ), marked Paid Off. However, the reporting contains numerous material inaccuracies, omissions, and contradictions that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX reporting standards. \nI have attached my direct dispute letter to Sunnova ( furnisher ) and my FCRA XXXX dispute letter to Experian. The specific issues include : XXXX. Missing Payment History & DOFD No month-by-month payment codes or Date of First Delinquency provided, making the late payments unverifiable. \nXXXX. Paid-Off Status Without Payoff Date The account is marked Paid Off but with no closure or payoff date. \nXXXX. Blank Balance Fields Current Balance shows as instead of {$0.00}, and Amount Past Due is not provided despite late payment claims. \nXXXX. Duplicate Entries Same incomplete Sunnova account appears multiple times in my Experian file. \nXXXX. Account Type Misclassification Listed as Utility despite the loan-like structure and large original balance. \nXXXX. Missing Update Dates Balance updated date is blank. \nXXXX. Missing Furnisher Contact Info No address or phone for Sunnova in the credit report. \nXXXX. Re-Aging Risk No DOFD or closure date means the account could be re-aged beyond the XXXX limit. \nXXXX. XXXX XXXX Data Field Non-Compliance Multiple missing required fields under the XXXX XXXX format. \nXXXX. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b ).\n\nImpact : This inaccurate reporting is damaging my credit score and misrepresenting my credit history. I have already sent disputes to both Experian and Sunnova under FCRA 611 and 623 ( a ) ( 8 ), but I am concerned about ongoing violations and the failure to follow industry reporting standards. \nRelief Sought : Immediate deletion of the Sunnova account from all credit reporting agencies, OR full correction to comply with XXXX XXXX standards and FCRA requirements. \nWritten confirmation from both XXXX  and Sunnova. \nAssurance that this account will not be re-aged or re-reported without full compliance. \nAttachments : XXXX  dispute letter ( FCRA 611 ) Sunnova dispute letter ( FCRA 623 ( a ) ( 8 ) ) Credit report excerpt showing inaccurate tradeline XXXX XXXXXXXX XXXX XXXX XXXX XXXXt Sunnova Energy Corp XXXX Name / Number Exact Error XXXX XXXX Standard / FCRA Law Violated Why Violation ( Accuracy / Completeness / Consistency ) Payment History Profile ( Field XXXX ) No month-by-month payment codes provided despite claim of XXXX late payments XXXX XXXX Field XXXX XXXX FCRA 623 ( a ) ( 5 ), 1681e ( b ) Prevents verification of delinquencies ; incomplete payment history violates XXXX XXXX Date of First Delinquency ( Field XXXX ) Missing DOFD entirely FCRA XXXX ( a ) ( XXXX ) ; XXXX XXXX Field XXXX XXXX to determine XXXX reporting limit ; omission allows illegal re-aging Account Status ( Field XXXX ) / Date Closed ( Field XXXX ) Marked 'Paid off ' with no closure or payoff date XXXX XXXX Field XXXX & XXXX ; FCRA 1681e ( b ) Status/date mismatch prevents determining when delinquency ended Current Balance ( Field XXXX ) / Amount Past Due ( Field XXXX ) Current balance is \" instead of {$0.00} ; Amount Past Due missing XXXX XXXX Field XXXX & XXXX Blank balance fields are inaccurate ; past due must be {$0.00} if balance is {$0.00} Base Segment Creditor Contact Information No furnisher address or phone number listed FCRA 609 ( a ) ( XXXX ) ; XXXX XXXX Base Segment Consumers must be able to contact furnisher to dispute Account Type ( Field XXXX ) Reported as 'Utility ' despite large loan-like balance XXXX XXXX Field XXXX ; FCRA 1681e ( b ) Misclassification can mislead lenders and scoring models Date of Account Information ( Field XXXX ) 'Balance updated ' date blank Metro XXXX Field XXXX ; FCRA 1681e ( b ) Missing update date prevents determining currency of data Duplicate Tradeline Rule Same Sunnova account repeated multiple times without full details XXXX XXXX prohibition on duplicate tradelines ; FCRA 1681e ( b ) Misleads lenders into thinking there are multiple delinquent accounts FCRA Maximum Possible Accuracy Standard Multiple blank, contradictory, and incomplete fields FCRA 1681e ( b ) If data is unverifiable or incomplete, it must be deleted","date_sent_to_company":"2025-08-14T16:55:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"15290313","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Sunnova Energy Corporation","date_received":"2025-08-14T16:55:27.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Missing</em> Update Dates Balance updated date is blank. \nXXXX. <em>Missing</em> Furnisher Contact Info No address or phone for Sunnova in the credit report. \nXXXX. Re-Aging Risk No DOFD or closure date means the account could be re-aged beyond the XXXX limit. \nXXXX. XXXX XXXX Data <em>Field</em> Non-<em>Compliance</em> <em>Multiple</em> <em>missing</em> <em>required</em> <em>fields</em> under the XXXX XXXX format. \nXXXX. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b )."]},"sort":[23.837276,"15290313"]},{"_index":"complaint-public-v1","_id":"17477785","_score":23.04675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because multiple inaccurate and unverifiable negative accounts continue to be reported on my credit file, even though I submitted formal disputes to the credit bureaus. These accounts contain significant XXXX XXXX reporting violations including missing dates, missing payment history codes, missing Date of Last Activity, missing Date Closed, contradictory delinquency codes, and incomplete or conflicting information across each bureau. \n\nMy identity and personal information were also compromised in XXXX confirmed data breaches : the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX Exposure Settlement. These incidents exposed my personal identifying information, including my name, date of birth, contact information, and other identifiers. \n\nAdditionally, I already have a documented fraud alert on my Experian file due to unauthorized activity. Based on these breaches and prior fraud activity, I can not confirm that the negative accounts being reported belong to me or were not altered or misused by unauthorized individuals. \n\nBecause the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many fields required for FCRA compliance are missing or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). \n\nI am requesting that the CFPB require Experian to DELETE any account associated with Fraud. \nThere is an active fraud alert on my Experian file due to prior unauthorized activity, and the presence of multiple inconsistent or inaccurate tradeline fields suggests that these disputed accounts may have been opened, altered, or used by unauthorized individuals following the data breaches.","date_sent_to_company":"2025-11-24T19:51:35.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"146XX","tags":null,"has_narrative":true,"complaint_id":"17477785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-24T19:46:11.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Because the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many <em>fields</em> <em>required</em> for FCRA <em>compliance</em> are <em>missing</em> or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). \n\nI am requesting that the CFPB <em>require</em> Experian to DELETE any account associated with Fraud."]},"sort":[23.04675,"17477785"]},{"_index":"complaint-public-v1","_id":"17472334","_score":22.183788,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because multiple inaccurate and unverifiable negative accounts continue to be reported on my credit file, even though I submitted formal disputes to the credit bureaus. These accounts contain significant XXXX XXXX reporting violations including missing dates, missing payment history codes, missing Date of Last Activity, missing Date Closed, contradictory delinquency codes, and incomplete or conflicting information across each bureau. \n\nMy identity and personal information were also compromised in three confirmed data breaches : the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX Exposure Settlement. These incidents exposed my personal identifying information, including my name, date of birth, contact information, and other identifiers.\n\nBecause the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many fields required for FCRA compliance are missing or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). \n\nI am requesting that the CFPB require Equifax to DELETE any account that can not be verified with complete, accurate documentation","date_sent_to_company":"2025-11-24T20:13:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"146XX","tags":null,"has_narrative":true,"complaint_id":"17472334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-24T20:06:01.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Because the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many <em>fields</em> <em>required</em> for FCRA <em>compliance</em> are <em>missing</em> or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). \n\nI am requesting that the CFPB <em>require</em> Equifax to DELETE any account that can not be verified with complete, accurate documentation"]},"sort":[22.183788,"17472334"]},{"_index":"complaint-public-v1","_id":"17570904","_score":22.144634,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am submitting a formal complaint regarding multiple accounts on my credit reports that are being reported inaccurately, inconsistently, incompletely, and in violation of the FCRA, FDCPA, and Metro-2 Compliance Standards. Under 15 USC 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are required to maintain accurate data and report the same factual information to all bureaus. These accounts contain conflicting reporting, missing data, and inconsistent statuses across the bureaus.\n\nThese violations have already been adjudicated as illegal in case law including, but not limited to : XXXX XXXX BB & T ( misleading reporting is actionable ) XXXX XXXX Equifax ( CRAs are liable for obvious errors ) XXXX XXXX XXXX XXXX. ( incomplete reporting violates the FCRA ) XXXX XXXX TransUnion ( CRA must reinvestigate properly ) XXXX v. Equifax ( inconsistent bureau reporting = inaccuracy ) ACCOUNTS IN VIOLATION XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Experian reports XXXX Equifax reports XXXX Days Late TransUnion does not report the account at all Metro-2 Violations : Field 17A Account Status inconsistent Field 25 payment history inaccurate Field 12 DOFD inconsistently reported Missing data across a bureau = violation Laws Violated : FCRA 15 USC 1681e ( b ), 1681s-2, 1681i XXXX XXXX. BB & T XXXX XXXX Equifax XXXX XXXX ( Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Different status reporting across bureaus Missing payment history on XXXX bureau Charge-off and balance status inconsistent Metro-2 Violations : Field 17A Account Status incorrect Field 24 Payment Rating inconsistent Field 25 Payment History missing Field 71 Compliance Code incorrect Laws Violated : FCRA 1681e ( b ), 1681i, 1681s-2 XXXX XXXX TransUnion XXXX v. BB & T Balance reported XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : TU and EX/EQ report conflicting statuses Balance, dates, and charge-off language inconsistent Metro-2 Violations : Field 17A Account Status incorrect Field 12 DOFD inconsistent Field 25 Payment History missing Field 39 Terms incorrect Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX XXXX. Temple Univ. \n\nXXXX XXXX Equifax Balance reported : {$1900.00} XXXX XXXX # 2 ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Violations : Dispute remark and status not consistent across bureaus Closed vs Chargeoff incorrect Metro-2 Violations : Field 17A Account Status contradiction Dispute code must be uniform across all bureaus Payment History ( Field 25 ) incorrect Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX XXXX. BB & T XXXX XXXX Equifax Balance reported : {$1000.00} XXXX XXXX # XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Missing/incomplete reporting across bureaus Incorrect payment and charge-off language Metro-2 Violations : Field 17A incorrect Field 24 and Field 25 incorrect Missing data = non-compliance Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX v. BB & T XXXX XXXX Equifax Balance reported : {$530.00} TOTAL NEGATIVE BALANCE MISREPORTED : {$5500.00} MY DEMANDS Under FCRA 15 USC 1681i and 1681s-2 : I am requesting the following actions : A reinvestigation of each account listed above.\n\nCorrection OR deletion of all inaccurate reporting.\n\nProvide written results and proof of validation.\n\nCorrect the bureau discrepancies and furnish the same factual data to all agencies. \n\nIf these violations are not corrected I will pursue further remedies including legal action, CFPB escalation, and compensation for damages as supported by case law. \n\nI certify that the information I provided is true and complete. \n\nSincerely,","date_sent_to_company":"2025-11-28T21:27:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"386XX","tags":null,"has_narrative":true,"complaint_id":"17570904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-28T21:26:52.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern : I am submitting a formal complaint regarding <em>multiple</em> accounts on my credit reports that are being reported inaccurately, inconsistently, incompletely, and in violation of the FCRA, FDCPA, and Metro-2 <em>Compliance</em> Standards. Under 15 USC 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are <em>required</em> to maintain accurate data and report the same factual information to all bureaus."]},"sort":[22.144634,"17570904"]},{"_index":"complaint-public-v1","_id":"17570075","_score":22.144634,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am submitting a formal complaint regarding multiple accounts on my credit reports that are being reported inaccurately, inconsistently, incompletely, and in violation of the FCRA, FDCPA, and Metro-2 Compliance Standards. Under 15 USC 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are required to maintain accurate data and report the same factual information to all bureaus. These accounts contain conflicting reporting, missing data, and inconsistent statuses across the bureaus.\n\nThese violations have already been adjudicated as illegal in case law including, but not limited to : XXXX XXXX BB & T ( misleading reporting is actionable ) XXXX XXXX Equifax ( CRAs are liable for obvious errors ) XXXX XXXX XXXX XXXX. ( incomplete reporting violates the FCRA ) XXXX XXXX TransUnion ( CRA must reinvestigate properly ) XXXX v. Equifax ( inconsistent bureau reporting = inaccuracy ) ACCOUNTS IN VIOLATION XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Experian reports XXXX Equifax reports XXXX Days Late TransUnion does not report the account at all Metro-2 Violations : Field 17A Account Status inconsistent Field 25 payment history inaccurate Field 12 DOFD inconsistently reported Missing data across a bureau = violation Laws Violated : FCRA 15 USC 1681e ( b ), 1681s-2, 1681i XXXX XXXX. BB & T XXXX XXXX Equifax XXXX XXXX ( Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Different status reporting across bureaus Missing payment history on XXXX bureau Charge-off and balance status inconsistent Metro-2 Violations : Field 17A Account Status incorrect Field 24 Payment Rating inconsistent Field 25 Payment History missing Field 71 Compliance Code incorrect Laws Violated : FCRA 1681e ( b ), 1681i, 1681s-2 XXXX XXXX TransUnion XXXX v. BB & T Balance reported XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : TU and EX/EQ report conflicting statuses Balance, dates, and charge-off language inconsistent Metro-2 Violations : Field 17A Account Status incorrect Field 12 DOFD inconsistent Field 25 Payment History missing Field 39 Terms incorrect Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX XXXX. Temple Univ. \n\nXXXX XXXX Equifax Balance reported : {$1900.00} XXXX XXXX # 2 ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Violations : Dispute remark and status not consistent across bureaus Closed vs Chargeoff incorrect Metro-2 Violations : Field 17A Account Status contradiction Dispute code must be uniform across all bureaus Payment History ( Field 25 ) incorrect Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX XXXX. BB & T XXXX XXXX Equifax Balance reported : {$1000.00} XXXX XXXX # XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Missing/incomplete reporting across bureaus Incorrect payment and charge-off language Metro-2 Violations : Field 17A incorrect Field 24 and Field 25 incorrect Missing data = non-compliance Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX v. BB & T XXXX XXXX Equifax Balance reported : {$530.00} TOTAL NEGATIVE BALANCE MISREPORTED : {$5500.00} MY DEMANDS Under FCRA 15 USC 1681i and 1681s-2 : I am requesting the following actions : A reinvestigation of each account listed above.\n\nCorrection OR deletion of all inaccurate reporting.\n\nProvide written results and proof of validation.\n\nCorrect the bureau discrepancies and furnish the same factual data to all agencies. \n\nIf these violations are not corrected I will pursue further remedies including legal action, CFPB escalation, and compensation for damages as supported by case law. \n\nI certify that the information I provided is true and complete. \n\nSincerely,","date_sent_to_company":"2025-11-28T21:27:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"386XX","tags":null,"has_narrative":true,"complaint_id":"17570075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-28T21:12:59.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern : I am submitting a formal complaint regarding <em>multiple</em> accounts on my credit reports that are being reported inaccurately, inconsistently, incompletely, and in violation of the FCRA, FDCPA, and Metro-2 <em>Compliance</em> Standards. Under 15 USC 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are <em>required</em> to maintain accurate data and report the same factual information to all bureaus."]},"sort":[22.144634,"17570075"]},{"_index":"complaint-public-v1","_id":"17565502","_score":22.119093,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am submitting a formal complaint regarding multiple accounts on my credit reports that are being reported inaccurately, inconsistently, incompletely, and in violation of the FCRA, FDCPA, and Metro-2 Compliance Standards. Under 15 USC 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are required to maintain accurate data and report the same factual information to all bureaus. These accounts contain conflicting reporting, missing data, and inconsistent statuses across the bureaus.\n\nThese violations have already been adjudicated as illegal in case law including, but not limited to : XXXX XXXX BB & T ( misleading reporting is actionable ) XXXX XXXX Equifax ( CRAs are liable for obvious errors ) XXXX XXXX XXXX XXXX. ( incomplete reporting violates the FCRA ) XXXX XXXX TransUnion ( CRA must reinvestigate properly ) XXXX v. Equifax ( inconsistent bureau reporting = inaccuracy ) ACCOUNTS IN VIOLATION XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Experian reports XXXX Equifax reports XXXX Days Late TransUnion does not report the account at all Metro-2 Violations : Field 17A Account Status inconsistent Field 25 payment history inaccurate Field 12 DOFD inconsistently reported Missing data across a bureau = violation Laws Violated : FCRA 15 USC 1681e ( b ), 1681s-2, 1681i XXXX XXXX. BB & T XXXX XXXX Equifax XXXX XXXX ( Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Different status reporting across bureaus Missing payment history on XXXX bureau Charge-off and balance status inconsistent Metro-2 Violations : Field 17A Account Status incorrect Field 24 Payment Rating inconsistent Field 25 Payment History missing Field 71 Compliance Code incorrect Laws Violated : FCRA 1681e ( b ), 1681i, 1681s-2 XXXX XXXX TransUnion XXXX v. BB & T Balance reported XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : TU and EX/EQ report conflicting statuses Balance, dates, and charge-off language inconsistent Metro-2 Violations : Field 17A Account Status incorrect Field 12 DOFD inconsistent Field 25 Payment History missing Field 39 Terms incorrect Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX XXXX. Temple Univ. \n\nXXXX XXXX Equifax Balance reported : {$1900.00} XXXX XXXX # 2 ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Violations : Dispute remark and status not consistent across bureaus Closed vs Chargeoff incorrect Metro-2 Violations : Field 17A Account Status contradiction Dispute code must be uniform across all bureaus Payment History ( Field 25 ) incorrect Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX XXXX. BB & T XXXX XXXX Equifax Balance reported : {$1000.00} XXXX XXXX # XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Missing/incomplete reporting across bureaus Incorrect payment and charge-off language Metro-2 Violations : Field 17A incorrect Field 24 and Field 25 incorrect Missing data = non-compliance Laws Violated : FCRA 1681e ( b ), 1681s-2, 1681i XXXX v. BB & T XXXX XXXX Equifax Balance reported : {$530.00} TOTAL NEGATIVE BALANCE MISREPORTED : {$5500.00} MY DEMANDS Under FCRA 15 USC 1681i and 1681s-2 : I am requesting the following actions : A reinvestigation of each account listed above.\n\nCorrection OR deletion of all inaccurate reporting.\n\nProvide written results and proof of validation.\n\nCorrect the bureau discrepancies and furnish the same factual data to all agencies. \n\nIf these violations are not corrected I will pursue further remedies including legal action, CFPB escalation, and compensation for damages as supported by case law. \n\nI certify that the information I provided is true and complete. \n\nSincerely,","date_sent_to_company":"2025-11-28T21:27:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"386XX","tags":null,"has_narrative":true,"complaint_id":"17565502","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-28T21:26:52.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern : I am submitting a formal complaint regarding <em>multiple</em> accounts on my credit reports that are being reported inaccurately, inconsistently, incompletely, and in violation of the FCRA, FDCPA, and Metro-2 <em>Compliance</em> Standards. Under 15 USC 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are <em>required</em> to maintain accurate data and report the same factual information to all bureaus."]},"sort":[22.119093,"17565502"]},{"_index":"complaint-public-v1","_id":"15260916","_score":22.048134,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"see attachments : I am disputing the reporting of my paid XXXX XXXX  XXXX account on my TransUnion credit file. This account, fully paid and closed in XX/XX/year>, continues to be inaccurately reported as a charge-off with derogatory payment history, violating FCRA XXXX, XXXX ( b ) [ XXXX USC XXXX XXXX b ) ], XXXX ( a ), and XXXX ( a ) ( XXXX ) as well as XXXX & XXXX XXXX XXXX XXXX standards. \n\nXXXX XXXX Compliance Issues Account Status Code is not updated to reflect Paid Closed ( Code XXXX ). \n\nPayment History Profile retains derogatory marks post-payment. \n\nFCRA Compliance Date, DOFD, and Special Comment Codes are inconsistent or missing. \n\nSlash entries and auto-populated fields violate XXXX XXXX XXXX entry rules. \n\nXXXX Data Accuracy Failures The reported tradeline fails multiple mandatory fields, including Balance Amount, Past Due Amount, FCRA Compliance Date, Creditor Classification Code, and Trailing Segment accuracy. The account is being reported in a way that misrepresents its legal standing and causes harm to my creditworthiness. \n\nSteps I Took : I have previously disputed this account with TransUnion multiple times, but the responses have been generic verified notices without any original source documentation. I specifically requested : The XXXX P-Segment data as furnished Full payment ledger and charge-off calculation breakdown Names, addresses, and contact numbers of all persons contacted during reinvestigation TransUnion has failed to provide this required proof, instead relying on automated e-OSCAR responses that do not constitute meaningful reinvestigation under FCRA XXXX ( a ). \n\nViolation Summary FCRA XXXX ( a ) : No meaningful reinvestigation within XXXX  days. \n\nFCRA XXXX ( b ) : Failure to ensure maximum possible accuracy. \n\nFCRA XXXX ( a ) ( XXXX ) : Reporting information known to be inaccurate. \n\nXXXX XXXX XXXX XXXX Incomplete, inaccurate, and untimely reporting ; missing required fields ; trailing segment violations. \n\nWhat I Want : Immediate deletion of the XXXX XX/XX/XXXXXXXX account XXXX my TransUnion file if full XXXX XXXX XXXX can not be produced. \n\nIf retained, update to Paid Closed, Never Late with complete removal of all derogatory history. \n\nProvide me with an updated TransUnion credit report at no charge per FCRA XXXX. \n\nSend correction notices to all recipients of my credit report in the last XXXX months. \n\nSupporting Evidence Detailed list of missing and inaccurate XXXX XXXX fields Dates showing full payment and account closure ( XX/XX/year> ) Past dispute correspondence showing TransUnions failure to provide required proof Declaration : I certify under penalty of perjury that the information in this complaint is true and correct to the best of my knowledge and belief.","date_sent_to_company":"2025-08-13T18:41:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"15260916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-13T18:33:59.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Compliance</em> Issues Account Status Code is not updated to reflect Paid Closed ( Code XXXX ). \n\nPayment History Profile retains derogatory marks post-payment. \n\nFCRA <em>Compliance</em> Date, DOFD, and Special Comment Codes are inconsistent or <em>missing</em>. \n\nSlash entries and auto-populated <em>fields</em> violate XXXX XXXX XXXX entry rules."]},"sort":[22.048134,"15260916"]},{"_index":"complaint-public-v1","_id":"17473880","_score":21.823809,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because multiple inaccurate and unverifiable negative accounts continue to be reported on my credit file, even though I submitted formal disputes to the credit bureaus. These accounts contain significant Metro 2 reporting violations including missing dates, missing payment history codes, missing Date of Last Activity, missing Date Closed, contradictory delinquency codes, and incomplete or conflicting information across each bureau. \n\nMy identity and personal information were also compromised in XXXX confirmed data breaches : the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Exposure Settlement. These incidents exposed my personal identifying information, including my name, date of birth, contact information, and other identifiers. \n\nBecause the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many fields required for FCRA compliance are missing or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). \n\nI am requesting that the CFPB to require TransUnion to DELETE any account that can not be verified with complete, accurate documentation.","date_sent_to_company":"2025-11-24T20:05:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"146XX","tags":null,"has_narrative":true,"complaint_id":"17473880","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-24T19:52:14.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Because the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many <em>fields</em> <em>required</em> for FCRA <em>compliance</em> are <em>missing</em> or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). \n\nI am requesting that the CFPB to <em>require</em> TransUnion to DELETE any account that can not be verified with complete, accurate documentation."]},"sort":[21.823809,"17473880"]},{"_index":"complaint-public-v1","_id":"16609833","_score":21.748785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXEmail: XXXX XXXX XXXXTo Whom It May Concern\\XXXXConsumer Financial Protection Bureau\\XXXXSubject: Formal Complaint Regarding Inaccurate Credit Reporting by EquifaxXXXXInformation Services, LLC\\XXXX1. What HappenedXXXXI am a consumer who discovered multiple inaccurate entries on my Equifax credit\\XXXXreport. On XXXX XXXX XXXX I submitted a written dispute to Equifax Information\\nServices, LLC XXXX XXXX XXXX XXXX, GA XXXX requesting validation and\\ncorrection of the following items:XXXXItem Type Reported\\nDate(s) Specific Deficiencies\\nMissing Inquiry Type\\nCode (Metro2 Field XXXX Inquiry XXXXand Inquiry Result\\nCode (Field 26).\\nMissing Inquiry Type\\nCode (Field 31) andXXXX Inquiry XXXXrecord incorrectly\\nflagged as a\\npublicrecord type 2.\\nMissing ChargeOff\\nDate (Field 22) and\\XXXX  Chargedoff revolving account\\nXXXX XXXX XXXX XXXX XXXX XXXX Not dated\\nnonnumeric status\\ndescriptor\\n(Derogatory).\\nMissing ChargeOff\\XXXX C\\nChargedoff creditcard\\naccount\\n(Acct # XXXX XXXX XXXXDate (Field 24) and\\nNot dated\\nmissing First\\nDelinquency Date.\\nIn each case the required Metro2 data elements are absent, rendering the entries\\nunverifiable under FCRA  623(a)(1) and 607(b) and, for the debtrelated items,\\npotentially violating FDCPA  1692e & 1692g.\\n2. Financial Harm\\nBecause these entries are present on my credit report, I am at risk of:\\nCredit score impairment  incomplete or inaccurate inquiries and chargeoffs\\ncan lower my score.\\nDenial or higher cost of credit  lenders may view the unverifiable items as\\nnegative risk factors.\\nLoss of consumer confidence  the uncertainty surrounding my credit file\\ncreates undue stress and limits my ability to make major financial decisions.\\nNo specific dollar amounts are available, but the potential impact on creditworthiness\\nis material.\\n3. Regulatory Violations\\nFair Credit Reporting Act (FCRA)   623(a)(1), 607(b), 611(a)(1)(A).\\nFair Debt Collection Practices Act (FDCPA)   1692e, 1692g.\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  establishes the\\nfurnishers burden of proof, which Equifax has not met.\\nThe missing Metro2 fields constitute violations of the FCRAs accuracy and verification\\nrequirements.\\n4. Timeline (as documented in my dispute to Equifax)\\XXXX XXXX inquiry appears on report (missing required codes).\\XXXX XXXX inquiry appears on report (missing required codes\\nand misclassified).\\nDate unspecified  XXXX and XXXX XXXX  chargedoff accounts appear\\nwithout required datesXXXX XXXX XXXX  I mailed the dispute letter to Equifax requesting validation\\nand deletion of the inaccurate items.\\nNo response has been received within the statutory 30day investigation period.\\n5. Company Failures\\nEquifax failed to provide the mandatory Metro2 data elements, breaching its\\nduty to ensure maximum possible accuracy.\\nThe agency has not supplied any original contracts, account statements, or\\nauthorizations that would establish a permissible purpose for reporting.\\nNo corrective action or written findings have been communicated to me, contrary\\nto FCRA  611(a)(1)(A).\\n6. Attempted Resolutions\\XXXX XXXX XXXX  Sent a formal dispute letter to Equifax (copy attached).\\nRequested full validation of each item and deletion of any unverifiable\\ninformation.\\nRequested acknowledgment of receipt within five business days and a complete\\ninvestigation report within 30 days.\\nTo date, Equifax has not responded.\\n7. Systemic Concerns\\nThe pattern of omitted Metro2 fields across multiple unrelated entries suggests a\\nbroader compliance deficiency within Equifaxs reporting processes. Such systemic\\nfailures can affect many consumers, undermining the integrity of the national credit\\nreporting system.\\n8. Specific Remedy Sought\\nI respectfully request that the Consumer Financial Protection Bureau:\\n1.Require Equifax to complete a thorough investigation of the disputed items,\\nprovide all documentation that substantiates each entry, and delete any\\ninformation that cannot be verified.\\n2. Mandate correction of the Metro2 data fields for the listed inquiries and\\nchargedoff accounts to bring the reporting into full compliance with the FCRA.\\n3. Impose appropriate penalties for the violations and require Equifax to\\nimplement procedural safeguards to prevent recurrence.\\n4.Provide me with a written confirmation of the actions taken and an updated\\ncopy of my credit report reflecting the corrections.\\n9. Supporting Documentation\\nScreenshots of the Equifax credit report showing the four inaccurate entries.\\nImages of my drivers license, SSN verification, and address verification (as\\npreviously submitted).\\nI am prepared to furnish any additional information the Bureau may require.\\nThank you for your prompt attention to this matter. I look forward to a resolution that\\nrestores the accuracy of my credit file and protects my consumer rights.\\nSincerely,\\XXXX XXXX XXXX","date_sent_to_company":"2025-10-15T10:31:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33418","tags":"Servicemember","has_narrative":true,"complaint_id":"16609833","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-15T10:08:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["\\nThe <em>missing</em> Metro2 <em>fields</em> constitute violations of the FCRAs accuracy and verification\\nrequirements.\\n4. Timeline (as documented in my dispute to Equifax)\\XXXX XXXX inquiry appears on report (<em>missing</em> <em>required</em> codes).\\XXXX XXXX inquiry appears on report (<em>missing</em> <em>required</em> codes\\nand misclassified)."]},"sort":[21.748785,"16609833"]},{"_index":"complaint-public-v1","_id":"17016633","_score":21.57746,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a few items that are not correct on my credit reports. formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.\n\nSpecifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 178 ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching \" L rating ), - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ) Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-04T20:18:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43701","tags":null,"has_narrative":true,"complaint_id":"17016633","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-04T19:42:40.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I have a few items that are not correct on my credit reports. formally disputing the accuracy and <em>compliance</em> of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified <em>multiple</em> violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which <em>require</em> data furnishers to provide complete and accurate information."],"sub_issue":["Information is <em>missing</em> that should be on the report"]},"sort":[21.57746,"17016633"]},{"_index":"complaint-public-v1","_id":"17014135","_score":21.57746,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a few items that are not correct on my credit reports. formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.\n\nSpecifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 178 ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching \" L rating ), - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ) Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-04T20:18:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43701","tags":null,"has_narrative":true,"complaint_id":"17014135","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T20:18:14.000Z","state":"OH","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I have a few items that are not correct on my credit reports. formally disputing the accuracy and <em>compliance</em> of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified <em>multiple</em> violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which <em>require</em> data furnishers to provide complete and accurate information."],"sub_issue":["Information is <em>missing</em> that should be on the report"]},"sort":[21.57746,"17014135"]},{"_index":"complaint-public-v1","_id":"17014134","_score":21.573803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a few items that are not correct on my credit reports. formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.\n\nSpecifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 178 ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching \" L rating ), - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ) Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-04T20:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43701","tags":null,"has_narrative":true,"complaint_id":"17014134","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-04T20:18:14.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I have a few items that are not correct on my credit reports. formally disputing the accuracy and <em>compliance</em> of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified <em>multiple</em> violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which <em>require</em> data furnishers to provide complete and accurate information."],"sub_issue":["Information is <em>missing</em> that should be on the report"]},"sort":[21.573803,"17014134"]},{"_index":"complaint-public-v1","_id":"12929370","_score":21.3352,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : FORMAL DEMAND FOR DELETION AND STATUTORY DAMAGES - WILLFUL METRO 2 FORMAT VIOLATIONS Account References : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : This correspondence serves as my formal demand for ( 1 ) IMMEDIATE DELETION of multiple accounts with fatal Metro 2 Format defects from my credit report and ( 2 ) PAYMENT OF STATUTORY DAMAGES for each willful violation pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which provides for damages of \" not less than {$100.00} and not more than {$1000.00} '' per violation.\n\nI have documented the following systemic and willful Metro 2 Format violations affecting multiple accounts in my credit file : 1. CRITICAL BASE SEGMENT FIELD OMISSIONS ( 79 Format Violations ) : Each account contains multiple missing required Base Segment fields, including : a ) XXXX XXXX XXXX - Missing Account Type ( Field 9 ), Terms Duration ( Field 11 ), Monthly Payment Amount ( Field 15 ), Last Payment Date ( Field 18 ) - 5 violations b ) XXXX XXXX XXXXXXXX XXXX - Missing Account Type ( Field 9 ), Terms Duration ( Field 11 ), Terms Frequency ( Field 12 ), ECOA Code ( Field 10 ), Credit Limit/Original Amount ( Field 7 ) - 6 violations c ) XXXX XXXX XXXX - Missing Last Payment Date ( Field 18 ) despite \" Last Payment '' header, Terms Duration ( Field 11 ), Monthly Payment Amount ( Field 15 ), ECOA Code ( Field 10 ) - 6 violations d ) Each additional account contains similar critical field omissions- 62 total violations 2. FATAL ACCOUNT STATUS CODE CONTRADICTIONS ( 26 Format Violations ) : a ) XXXX XXXX - Reports \" Derogatory '' status ( Code 97 ) with {$0.00} balance and closed account, while worst status is only \" Late 30 Days '' ( Code 30 ) - creating contradictory status designations- XXXX violations b ) XXXX XXXX XXXXXXXX - Reports \" Unknown '' worst status designation that does not exist in the Metro 2 Format Account Status field specification - 2 violations c ) Multiple accounts showing \" Closed '' or \" Paid '' status while simultaneously reporting serious delinquency codes- 21 violations 3. CHRONOLOGICAL SEQUENCING DEFECTS ( 14 Format Violations ) : a ) XXXX XXXX XXXXXXXX - Reports Date Closed as XXXX but Last Payment as XXXX, creating an impossible temporal scenario in Metro 2 Format that violates Field 18/Field 25 relationship requirements- 3 violations b ) XXXX - Reports improper date/status formatting that violates Base Segment field alignment requirements - 2 violations c ) Multiple accounts with improper Date Opened, Date Closed, Date Reported sequences- 9 violations 4. COLLECTION ACCOUNT XXXX SEGMENT VIOLATIONS ( 18 Format Violations ) : a ) XXXX XXXX  and XXXX XXXX XXXXXXXX - Report identical {$890.00} balances with generic \" XXXX  '' creditor designations that fail to meet XXXX Segment Original Creditor Name specificity requirements - 8 violations b ) XXXX XXXX XXXX Reports \" XXXX XXXX XXXXXXXX XXXX XXXX XXXX  with improper numeric prefix format for Original Creditor field - 10 violations 5. PAYMENT HISTORY PROFILE FIELD DEFECTS ( 36 Format Violations ) : a ) Multiple accounts report Late Payment Dates without proper Payment History Profile field population - 24 violations b ) Accounts show delinquency codes without mandated Payment Rating field synchronization - 12 violations 6. ACCOUNT IDENTIFICATION STANDARDIZATION FAILURES ( 16 Format Violations ) : a ) Accounts use inconsistent formats for account numbers, violating standardization requirements- 10 violations b ) Several accounts use improper alphanumeric prefixes ( XXXX ) that violate Account Number field specifications- 6 violations These 189 individually documented Format violations represent willful noncompliance with the Metro 2 Format specifications required by the XXXX XXXX XXXX XXXX XXXX XXXX ) and mandated by federal law. As the credit reporting industry 's designated standard, Metro 2 Format compliance is not optional but mandatory for accurate credit reporting under the FCRA.\n\nPer 15 U.S.C. 1681n ( a ), any person who \" willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer '' for statutory damages of $ XXXX {$1000.00} per violation. Recent court decisions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), have confirmed that consumers can recover statutory damages without proving actual damages for willful FCRA violations.","date_sent_to_company":"2025-04-10T05:18:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12929370","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-10T05:10:28.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CRITICAL BASE SEGMENT <em>FIELD</em> OMISSIONS ( 79 Format Violations ) : Each account contains <em>multiple</em> <em>missing</em> <em>required</em> Base Segment <em>fields</em>, including : a ) XXXX XXXX XXXX - <em>Missing</em> Account Type ( <em>Field</em> 9 ), Terms Duration ( <em>Field</em> 11 ), Monthly Payment Amount ( <em>Field</em> 15 ), Last Payment Date ( <em>Field</em> 18 ) - 5 violations b ) XXXX XXXX XXXXXXXX XXXX - <em>Missing</em> Account Type ( <em>Field</em> 9 ), Terms Duration ( <em>Field</em> 11 ), Terms Frequency ( <em>Field</em> 12 ), ECOA Code ( <em>Field</em> 10 ), Credit Limit/Original Amount ( <em>Field</em> 7 )"]},"sort":[21.3352,"12929370"]},{"_index":"complaint-public-v1","_id":"12915897","_score":21.3352,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : FORMAL DEMAND FOR DELETION AND STATUTORY DAMAGES - WILLFUL METRO 2 FORMAT VIOLATIONS Account References : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : This correspondence serves as my formal demand for ( 1 ) IMMEDIATE DELETION of multiple accounts with fatal Metro 2 Format defects from my credit report and ( 2 ) PAYMENT OF STATUTORY DAMAGES for each willful violation pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which provides for damages of \" not less than {$100.00} and not more than {$1000.00} '' per violation.\n\nI have documented the following systemic and willful Metro 2 Format violations affecting multiple accounts in my credit file : 1. CRITICAL BASE SEGMENT FIELD OMISSIONS ( 79 Format Violations ) : Each account contains multiple missing required Base Segment fields, including : a ) XXXX XXXX XXXXXXXX - Missing Account Type ( Field 9 ), Terms Duration ( Field 11 ), Monthly Payment Amount ( Field 15 ), Last Payment Date ( Field 18 ) - 5 violations b ) XXXX XXXX XXXX XXXX - Missing Account Type ( Field 9 ), Terms Duration ( Field 11 ), Terms Frequency ( Field 12 ), ECOA Code ( Field 10 ), Credit Limit/Original Amount ( Field 7 ) - 6 violations c ) XXXX XXXX XXXXXXXX - Missing Last Payment Date ( Field 18 ) despite \" Last Payment '' header, Terms Duration ( Field 11 ), Monthly Payment Amount ( Field 15 ), ECOA Code ( Field 10 ) - 6 violations d ) Each additional account contains similar critical field omissions- 62 total violations 2. FATAL ACCOUNT STATUS CODE CONTRADICTIONS ( 26 Format Violations ) : a ) XXXX XXXXXXXX - Reports \" Derogatory '' status ( Code XXXX ) with {$0.00} balance and closed account, while worst status is only \" Late 30 Days '' ( XXXX XXXX ) - creating contradictory status designations- 3 violations b ) XXXX XXXX  XXXX - Reports \" Unknown '' worst status designation that does not exist in the Metro 2 Format Account Status field specification - 2 violations c ) Multiple accounts showing \" Closed '' or \" Paid '' status while simultaneously reporting serious delinquency codes- 21 violations 3. CHRONOLOGICAL SEQUENCING DEFECTS ( 14 Format Violations ) : a ) XXXX XXXX XXXXXXXX - Reports Date Closed as XXXX but Last Payment as XXXX, creating an impossible temporal scenario in Metro 2 Format that violates Field 18/Field 25 relationship requirements- 3 violations b ) XXXX - Reports improper date/status formatting that violates Base Segment field alignment requirements - 2 violations c ) Multiple accounts with improper Date Opened, Date Closed, Date Reported sequences- 9 violations 4. COLLECTION ACCOUNT K1 SEGMENT VIOLATIONS ( 18 Format Violations ) : a ) XXXX XXXX and XXXX XXXX XXXXXXXX - Report identical {$890.00} balances with generic \" XXXX '' creditor designations that fail to meet K1 Segment Original Creditor Name specificity requirements - 8 violations b ) XXXXXXXX XXXX - Reports \" XXXX CXXXX XXXX XXXX XXXX  '' with improper numeric prefix format for Original Creditor field - 10 violations 5. PAYMENT HISTORY PROFILE FIELD DEFECTS ( 36 Format Violations ) : a ) Multiple accounts report Late Payment Dates without proper Payment History Profile field population - 24 violations b ) Accounts show delinquency codes without mandated Payment Rating field synchronization - 12 violations 6. ACCOUNT IDENTIFICATION STANDARDIZATION FAILURES ( 16 Format Violations ) : a ) Accounts use inconsistent formats for account numbers, violating standardization requirements- 10 violations b ) Several accounts use improper alphanumeric prefixes ( XXXX ) that violate Account Number field specifications- 6 violations These 189 individually documented Format violations represent willful noncompliance with the Metro 2 Format specifications required by the XXXX XXXX XXXX XXXX XXXX XXXX ) and mandated by federal law. As the credit reporting industry 's designated standard, Metro 2 Format compliance is not optional but mandatory for accurate credit reporting under the FCRA.\n\nPer 15 U.S.C. 1681n ( a ), any person who \" willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer '' for statutory damages of $ XXXX {$1000.00} per violation. Recent court decisions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), have confirmed that consumers can recover statutory damages without proving actual damages for willful FCRA violations.","date_sent_to_company":"2025-04-10T05:35:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12915897","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-10T05:28:38.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CRITICAL BASE SEGMENT <em>FIELD</em> OMISSIONS ( 79 Format Violations ) : Each account contains <em>multiple</em> <em>missing</em> <em>required</em> Base Segment <em>fields</em>, including : a ) XXXX XXXX XXXXXXXX - <em>Missing</em> Account Type ( <em>Field</em> 9 ), Terms Duration ( <em>Field</em> 11 ), Monthly Payment Amount ( <em>Field</em> 15 ), Last Payment Date ( <em>Field</em> 18 ) - 5 violations b ) XXXX XXXX XXXX XXXX - <em>Missing</em> Account Type ( <em>Field</em> 9 ), Terms Duration ( <em>Field</em> 11 ), Terms Frequency ( <em>Field</em> 12 ), ECOA Code ( <em>Field</em> 10 ), Credit Limit/Original Amount ( <em>Field</em> 7 )"]},"sort":[21.3352,"12915897"]},{"_index":"complaint-public-v1","_id":"17849108","_score":21.312613,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX SSN : XXXX Subject : Summary Dispute of Inaccurate, Inconsistent, and Unverifiable Accounts To Whom It May Concern, This letter is a summary of the dispute regarding multiple accounts appearing across my Experian, TransUnion, and Equifax credit reports. Each account contains major inaccuracies, missing data, conflicting information between bureaus, and potential violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. \n\nAccounts in Dispute XXXX XXXX  XXXX : Auto Loan, Balance : {$18000.00} Reported differently across all 3 bureaus ( dates, high balances, last activity, payment history, closed dates ). \n\nIncorrect joint account coding, missing verification of co-borrower, and inconsistent delinquency timeline. \n\nPossible improper charge-off ( accelerated timeline ), missing repossession details, missing sale/proceeds documentation, and incomplete accounting. \n\nRequires full verification of the loan contract, payment history, repossession records, balance calculation, and identity confirmation. \n\nXXXX XXXX, Charged-Off Account, Balance : {$130.00} ( Experian Only ) Reports only on Experian, not on TransUnion or Equifax. \n\nMissing XXXX XXXX fields ( first delinquency date, payment history, compliance codes ). \n\nNo hard inquiry matches the account opening. \n\nFull validation required, including contract, identity documents, purchase invoice, delivery proof, and charge-off calculation. \n\nXXXX XXXX XXXX : {$89.00} Collection ( Equifax ) The creditor name is incomplete and unclear. \n\nMissing validation documents, chain of custody, account details, and original creditor agreement. \n\nAlready marked as disputed but never resolved. \n\nMissing Metro 2 required fields ( ECOA code, payment history, delinquency date ). \n\nPossible identity theft or reporting error due to vague information. \n\nMajor Issues Across All Bureaus Conflicting information on the same accounts ( dates, balances, high balance amounts, activity history, verification dates ). \n\nMissing required Metro 2 fields making accounts incomplete and inaccurate. \n\nPossible failure by furnishers to conduct reasonable investigations after previous disputes. \n\nPotential violation of state repossession and consumer protection laws. \n\nPossible identity verification issues on all disputed accounts. \n\nAutomated e-OSCAR rubber stamp responses instead of required manual review. \n\nRequests and Required Actions I am requesting the following for each disputed account : Full reinvestigation using manual review, not automated codes. \n\nComplete validation documents, including contracts, signatures, payment history, account ownership, and identity verification. \n\nMethod of Verification detailing how each account was verified, who verified it, what documents were used, and the verification date. \n\nImmediate deletion of any account that : Can not be fully verified, Contains unresolved inconsistencies, or Fails to meet accuracy and completeness requirements under FCRA and Metro 2. \n\nDamages & Compliance Notice These inaccurate accounts have caused credit score damage, credit denials, higher interest rates, employment screening issues, emotional distress, and financial loss. \nI am documenting this dispute for potential regulatory complaints or legal action if necessary. \n\nPlease send updated Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  AZ XXXX SSN : XXXX Subject : Summary Dispute of Inaccurate, Inconsistent, and Unverifiable Accounts To Whom It May Concern, This letter is a summary of the dispute regarding multiple accounts appearing across my Experian, TransUnion, and Equifax credit reports. Each account contains major inaccuracies, missing data, conflicting information between bureaus, and potential violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. \n\nAccounts in Dispute XXXX XXXX XXXXXXXX : Auto Loan, Balance : {$18000.00} Reported differently across all 3 bureaus ( dates, high balances, last activity, payment history, closed dates ). \n\nIncorrect joint account coding, missing verification of co-borrower, and inconsistent delinquency timeline. \n\nPossible improper charge-off ( accelerated timeline ), missing repossession details, missing sale/proceeds documentation, and incomplete accounting. \n\nRequires full verification of the loan contract, payment history, repossession records, balance calculation, and identity confirmation. \n\nXXXX XXXX, Charged-Off Account, Balance : {$130.00} ( Experian Only ) Reports only on Experian, not on TransUnion or Equifax. \n\nMissing Metro 2 fields ( first delinquency date, payment history, compliance codes ). \n\nNo hard inquiry matches the account opening. \n\nFull validation required, including contract, identity documents, purchase invoice, delivery proof, and charge-off calculation. \n\nXXXX XXXX XXXX : {$89.00} Collection ( Equifax ) The creditor name is incomplete and unclear. \n\nMissing validation documents, chain of custody, account details, and original creditor agreement. \n\nAlready marked as disputed but never resolved. \n\nMissing Metro 2 required fields ( ECOA code, payment history, delinquency date ). \n\nPossible identity theft or reporting error due to vague information. \n\nMajor Issues Across All Bureaus Conflicting information on the same accounts ( dates, balances, high balance amounts, activity history, verification dates ). \n\nMissing required Metro 2 fields making accounts incomplete and inaccurate. \n\nPossible failure by furnishers to conduct reasonable investigations after previous disputes. \n\nPotential violation of state repossession and consumer protection laws. \n\nPossible identity verification issues on all disputed accounts. \n\nAutomated e-OSCAR rubber stamp responses instead of required manual review. \n\nRequests and Required Actions I am requesting the following for each disputed account : Full reinvestigation using manual review, not automated codes. \n\nComplete validation documents, including contracts, signatures, payment history, account ownership, and identity verification. \n\nMethod of Verification detailing how each account was verified, who verified it, what documents were used, and the verification date. \n\nImmediate deletion of any account that : Can not be fully verified, Contains unresolved inconsistencies, or Fails to meet accuracy and completeness requirements under FCRA and Metro 2. \n\nDamages & Compliance Notice These inaccurate accounts have caused credit score damage, credit denials, higher interest rates, employment screening issues, emotional distress, and financial loss. \nI am documenting this dispute for potential regulatory complaints or legal action if necessary. \n\nPlease send updated credit reports and written results of your investigation to the address listed above. \n\nSincerely, XXXX XXXX XXXX Date : XXXX XXXXcredit reports and written results of your investigation to the address listed above. \n\nSincerely, XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX","date_sent_to_company":"2025-12-08T22:15:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"17849108","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-08T22:04:39.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Missing</em> XXXX XXXX <em>fields</em> ( first delinquency date, payment history, <em>compliance</em> codes ). \n\nNo hard inquiry matches the account opening. \n\nFull validation <em>required</em>, including contract, identity documents, purchase invoice, delivery proof, and charge-off calculation. \n\nXXXX XXXX XXXX : {$89.00} Collection ( Equifax ) The creditor name is incomplete and unclear. \n\n<em>Missing</em> validation documents, chain of custody, account details, and original creditor agreement."]},"sort":[21.312613,"17849108"]},{"_index":"complaint-public-v1","_id":"17849112","_score":21.306658,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX SSN : XXXX Subject : Summary Dispute of Inaccurate, Inconsistent, and Unverifiable Accounts To Whom It May Concern, This letter is a summary of the dispute regarding multiple accounts appearing across my Experian, TransUnion, and Equifax credit reports. Each account contains major inaccuracies, missing data, conflicting information between bureaus, and potential violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. \n\nAccounts in Dispute XXXX XXXX  XXXX : Auto Loan, Balance : {$18000.00} Reported differently across all 3 bureaus ( dates, high balances, last activity, payment history, closed dates ). \n\nIncorrect joint account coding, missing verification of co-borrower, and inconsistent delinquency timeline. \n\nPossible improper charge-off ( accelerated timeline ), missing repossession details, missing sale/proceeds documentation, and incomplete accounting. \n\nRequires full verification of the loan contract, payment history, repossession records, balance calculation, and identity confirmation. \n\nXXXX XXXX, Charged-Off Account, Balance : {$130.00} ( Experian Only ) Reports only on Experian, not on TransUnion or Equifax. \n\nMissing XXXX XXXX fields ( first delinquency date, payment history, compliance codes ). \n\nNo hard inquiry matches the account opening. \n\nFull validation required, including contract, identity documents, purchase invoice, delivery proof, and charge-off calculation. \n\nXXXX XXXX XXXX : {$89.00} Collection ( Equifax ) The creditor name is incomplete and unclear. \n\nMissing validation documents, chain of custody, account details, and original creditor agreement. \n\nAlready marked as disputed but never resolved. \n\nMissing Metro 2 required fields ( ECOA code, payment history, delinquency date ). \n\nPossible identity theft or reporting error due to vague information. \n\nMajor Issues Across All Bureaus Conflicting information on the same accounts ( dates, balances, high balance amounts, activity history, verification dates ). \n\nMissing required Metro 2 fields making accounts incomplete and inaccurate. \n\nPossible failure by furnishers to conduct reasonable investigations after previous disputes. \n\nPotential violation of state repossession and consumer protection laws. \n\nPossible identity verification issues on all disputed accounts. \n\nAutomated e-OSCAR rubber stamp responses instead of required manual review. \n\nRequests and Required Actions I am requesting the following for each disputed account : Full reinvestigation using manual review, not automated codes. \n\nComplete validation documents, including contracts, signatures, payment history, account ownership, and identity verification. \n\nMethod of Verification detailing how each account was verified, who verified it, what documents were used, and the verification date. \n\nImmediate deletion of any account that : Can not be fully verified, Contains unresolved inconsistencies, or Fails to meet accuracy and completeness requirements under FCRA and Metro 2. \n\nDamages & Compliance Notice These inaccurate accounts have caused credit score damage, credit denials, higher interest rates, employment screening issues, emotional distress, and financial loss. \nI am documenting this dispute for potential regulatory complaints or legal action if necessary. \n\nPlease send updated Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  AZ XXXX SSN : XXXX Subject : Summary Dispute of Inaccurate, Inconsistent, and Unverifiable Accounts To Whom It May Concern, This letter is a summary of the dispute regarding multiple accounts appearing across my Experian, TransUnion, and Equifax credit reports. Each account contains major inaccuracies, missing data, conflicting information between bureaus, and potential violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. \n\nAccounts in Dispute XXXX XXXX XXXXXXXX : Auto Loan, Balance : {$18000.00} Reported differently across all 3 bureaus ( dates, high balances, last activity, payment history, closed dates ). \n\nIncorrect joint account coding, missing verification of co-borrower, and inconsistent delinquency timeline. \n\nPossible improper charge-off ( accelerated timeline ), missing repossession details, missing sale/proceeds documentation, and incomplete accounting. \n\nRequires full verification of the loan contract, payment history, repossession records, balance calculation, and identity confirmation. \n\nXXXX XXXX, Charged-Off Account, Balance : {$130.00} ( Experian Only ) Reports only on Experian, not on TransUnion or Equifax. \n\nMissing Metro 2 fields ( first delinquency date, payment history, compliance codes ). \n\nNo hard inquiry matches the account opening. \n\nFull validation required, including contract, identity documents, purchase invoice, delivery proof, and charge-off calculation. \n\nXXXX XXXX XXXX : {$89.00} Collection ( Equifax ) The creditor name is incomplete and unclear. \n\nMissing validation documents, chain of custody, account details, and original creditor agreement. \n\nAlready marked as disputed but never resolved. \n\nMissing Metro 2 required fields ( ECOA code, payment history, delinquency date ). \n\nPossible identity theft or reporting error due to vague information. \n\nMajor Issues Across All Bureaus Conflicting information on the same accounts ( dates, balances, high balance amounts, activity history, verification dates ). \n\nMissing required Metro 2 fields making accounts incomplete and inaccurate. \n\nPossible failure by furnishers to conduct reasonable investigations after previous disputes. \n\nPotential violation of state repossession and consumer protection laws. \n\nPossible identity verification issues on all disputed accounts. \n\nAutomated e-OSCAR rubber stamp responses instead of required manual review. \n\nRequests and Required Actions I am requesting the following for each disputed account : Full reinvestigation using manual review, not automated codes. \n\nComplete validation documents, including contracts, signatures, payment history, account ownership, and identity verification. \n\nMethod of Verification detailing how each account was verified, who verified it, what documents were used, and the verification date. \n\nImmediate deletion of any account that : Can not be fully verified, Contains unresolved inconsistencies, or Fails to meet accuracy and completeness requirements under FCRA and Metro 2. \n\nDamages & Compliance Notice These inaccurate accounts have caused credit score damage, credit denials, higher interest rates, employment screening issues, emotional distress, and financial loss. \nI am documenting this dispute for potential regulatory complaints or legal action if necessary. \n\nPlease send updated credit reports and written results of your investigation to the address listed above. \n\nSincerely, XXXX XXXX XXXX Date : XXXX XXXXcredit reports and written results of your investigation to the address listed above. \n\nSincerely, XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX","date_sent_to_company":"2025-12-08T22:15:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"17849112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-08T22:14:53.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Missing</em> XXXX XXXX <em>fields</em> ( first delinquency date, payment history, <em>compliance</em> codes ). \n\nNo hard inquiry matches the account opening. \n\nFull validation <em>required</em>, including contract, identity documents, purchase invoice, delivery proof, and charge-off calculation. \n\nXXXX XXXX XXXX : {$89.00} Collection ( Equifax ) The creditor name is incomplete and unclear. \n\n<em>Missing</em> validation documents, chain of custody, account details, and original creditor agreement."]},"sort":[21.306658,"17849112"]},{"_index":"complaint-public-v1","_id":"17225401","_score":21.17149,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint concerning Equifaxs failure to correct inaccurate reporting and failure to properly reinvestigate my disputes. I sent Equifax a detailed written dispute outlining severe deficiencies in personal identifiers, inquiries, and derogatory account reporting. \n\nEquifax is reporting multiple inconsistent name variations, outdated addresses, incorrect employment information, and insufficient personal identifiers. These do not match my accurate, documented identity information. \n\nEquifax also reported inquiries that have no proven permissible purpose, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Equifax failed to verify these inquiries or provide any documentation demonstrating compliance with FCRA or XXXX standards. \n\nEquifax is also reporting derogatory accounts lacking proper verification and XXXX required fields, including : XXXX CARD COFF XXXX XXXX Federal Credit Union COFF Alleged These items demonstrate missing fields, inconsistent information between bureaus, unproven account status, and failure to demonstrate accurate portfolio type, payment history, compliance codes, ECOA codes, and other mandatory XXXX fields. \n\nDespite my detailed demands for Section 609 full-file disclosure and Section 611 reinvestigation procedures, Equifax has not provided any documentation, nor proof of investigation procedures, results, or data source validation. Equifax has not complied with FCRA 602, 607, 609, or 611 requirements, nor with XXXX accuracy standards. They have also ignored my direct written disputes. CFPB intervention is necessary to compel compliance and correct the harmful reporting.","date_sent_to_company":"2025-11-13T18:06:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78747","tags":null,"has_narrative":true,"complaint_id":"17225401","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-13T18:03:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax is also reporting derogatory accounts lacking proper verification and XXXX <em>required</em> <em>fields</em>, including : XXXX CARD COFF XXXX XXXX Federal Credit Union COFF Alleged These items demonstrate <em>missing</em> <em>fields</em>, inconsistent information between bureaus, unproven account status, and failure to demonstrate accurate portfolio type, payment history, <em>compliance</em> codes, ECOA codes, and other mandatory XXXX <em>fields</em>."]},"sort":[21.17149,"17225401"]},{"_index":"complaint-public-v1","_id":"17466525","_score":20.679031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint because Experian XXXX XXXX XXXX  are continuing to report multiple inaccurate accounts on my credit reports despite a previous dispute. These accounts contain conflicting dates balances and status codes which violate FCRA 1681e b and 1681i. Several accounts were previously disputed but no corrections were made. This is a reinvestigation failure. \n\nCollectors such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have not validated the debts as required under 1692g but are still reporting. Metro2 fields including DOFD XXXX  payment rating and compliance condition codes are incorrect or missing. These accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounts.","date_sent_to_company":"2025-11-24T23:47:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75002","tags":null,"has_narrative":true,"complaint_id":"17466525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-24T23:40:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Collectors such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have not validated the debts as <em>required</em> under 1692g but are still reporting. Metro2 <em>fields</em> including DOFD XXXX  payment rating and <em>compliance</em> condition codes are incorrect or <em>missing</em>. These accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounts."]},"sort":[20.679031,"17466525"]},{"_index":"complaint-public-v1","_id":"13288223","_score":20.673996,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding XXXX ongoing failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), including : XXXX. Inaccurate and Unauthorized Personal Information Equifax is reporting multiple identifiers that are incorrect, unauthorized, and not supported by lawfully verified documentation. This includes : Multiple unauthorized names/aliases Duplicate or improperly formatted current addresses Incorrect birth dates XXXX XXXX XXXXXXXX instead of my actual date of birth ) Unauthorized employment history listings These errors violate FCRA XXXXXXXX XXXX XXXX XXXX for failing to follow reasonable procedures to ensure maximum possible accuracy. \n\nXXXX. Unverified and Incomplete Account Data Accounts appearing on my Equifax credit report are missing or contain inconsistent and unverifiable fields that contradict Metro 2 compliance standards. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Missing or incorrect activity dates, balances, payment dates, and statuses Absence of data reporter addresses and phone numbers Incorrect account conditions and payment history Reporting without compliance to Metro 2 format as required by industry ( per XXXX XXXX XXXX These issues demonstrate a systemic failure to maintain accuracy and completeness and violate FCRA XXXX regarding the reinvestigation and deletion of disputed information. \n\nXXXX. Failure to Verify or Remove Disputed Items Despite my detailed formal request dated XX/XX/year>, Equifax has not adequately responded to my challenges, nor has it verified disputed accounts or removed unverifiable information as required by law.","date_sent_to_company":"2025-05-01T17:40:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31707","tags":null,"has_narrative":true,"complaint_id":"13288223","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-01T17:33:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Unverified and Incomplete Account Data Accounts appearing on my Equifax credit report are <em>missing</em> or contain inconsistent and unverifiable <em>fields</em> that contradict Metro 2 <em>compliance</em> standards."]},"sort":[20.673996,"13288223"]},{"_index":"complaint-public-v1","_id":"16728441","_score":20.669157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  service has been notified numerous times about inaccurate reporting of there account to the credit reporting agencies. At this time I still have found numerous CFPB regulation violations that just keep being ignored by the credit reporting agencies and XXXX. To start the alleged debt is a charged-off as of XX/XX/year> not XX/XX/year>. Late payments not reporting correct and incorrect dates just to name a few incorrect reporting by XXXX this is directly violating my fair credit act rights and litigation XXXX be needed. Furthermore they are still reaging the debt and reporting activities overdue balance after a charged-off was reported which is a CFPB violating. Also why is the balance showing XXXX different amounts. I am formally disputing the accuracy and compliance of the charge off account as reported on my credit file upon closer review I have identified multiple violations of XXXX XXXX reporting guidelines and fcra 623 a1A which requires data Furnitures to provide complete and accurate information Specifically the account status XXXX XXXX base field XXXX and payment rating XXXX fields are inconsistent with the required coding for charge off accounts status XXXX with matching L reading The data of first delinquency base XXXX is either missing inaccurate or has been reaged to extend the reporting period violating fcra 605c The payment history profile field XXXX does not accurately reflect the delinquency timeline that led to charge off These reporting inaccuracies materially misrepresent the history and status of the account making the timeline inaccurate and incomplete under the fcra Under fcra 611a I request that you conduct a proper reinvestigation of these timeline and either bring the reporting fully into XXXX XXXX compliance or delete the account entirely for my credit file immediately Failure to maintain accurate reporting after notice of dispute constitutes unwillful non-compliance under fcra 616 and 617 and maybe subject to civil liability Please provide written confirmation of deletion within 30 days of receipt of this letter as required by law","date_sent_to_company":"2025-10-21T05:34:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44134","tags":null,"has_narrative":true,"complaint_id":"16728441","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-21T05:33:59.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am formally disputing the accuracy and <em>compliance</em> of the charge off account as reported on my credit file upon closer review I have identified <em>multiple</em> violations of XXXX XXXX reporting guidelines and fcra 623 a1A which <em>requires</em> data Furnitures to provide complete and accurate information Specifically the account status XXXX XXXX base <em>field</em> XXXX and payment rating XXXX <em>fields</em> are inconsistent with the <em>required</em> coding for charge off accounts status XXXX with matching L reading The data of first"]},"sort":[20.669157,"16728441"]},{"_index":"complaint-public-v1","_id":"11005894","_score":20.38812,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding inaccurate and incomplete reporting on my credit file with Experian. There are issues related to medical and credit accounts, including missing data, inconsistent reporting, and violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. \n\nSpecific Items in Dispute : XXXX. XXXX  XXXX Account Reported with missing, inconsistent, and incomplete data fields. \nMissing telephone number, activity date, and past due amount. \nInconsistent reporting of account terms, payment status, and creditor remarks across different bureaus. \nXXXX XXXX XXXX XXXX  Account Reported with missing or inconsistent data. \nMissing data on last payment date, account status, and creditor remarks. \n\nIssues Identified : Inconsistent Reporting : Data reported inconsistently across multiple credit bureaus, violating the 5th point of XXXX XXXX compliance. \nUnverified Data : Failure to provide evidence substantiating the accuracy of reported information, such as itemized statements for medical collections.\n\nMissing Data : Key data points such as the telephone number, activity date, and past due amount are missing, which impacts the credibility of the reported data.\n\nRequested Resolution : 1. Immediate removal or correction of the disputed items related to XXXX XXXX and XXXX XXXX XXXX  accounts. \nXXXX. Provide documentation verifying the accuracy and compliance of the reported data, including evidence of the itemized statement for any disputed medical collections.\n\n3. Provide a full description of the investigation process and the procedure used to forward information to the creditor, as required by FCRA 611 ( a ) ( 7 ).\n\nImpact : These inaccuracies have negatively affected my credit score, leading to credit denials and higher interest rates.\n\nI request a response within 15 days. If the disputed items are not corrected or the requested information is not provided, I will pursue further legal action.","date_sent_to_company":"2024-12-04T00:24:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20002","tags":null,"has_narrative":true,"complaint_id":"11005894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-04T00:21:16.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX  Account Reported with <em>missing</em> or inconsistent data. \n<em>Missing</em> data on last payment date, account status, and creditor remarks. \n\nIssues Identified : Inconsistent Reporting : Data reported inconsistently across <em>multiple</em> credit bureaus, violating the 5th point of XXXX XXXX <em>compliance</em>. \nUnverified Data : Failure to provide evidence substantiating the accuracy of reported information, such as itemized statements for medical collections."]},"sort":[20.38812,"11005894"]},{"_index":"complaint-public-v1","_id":"16825278","_score":20.321472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information. Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). - The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off. These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA. Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file. Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability. Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. Sincerely, XXXX XXXX Re-Aging Violation : The XXXX has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ). Incorrect Status/Payment Rating : The Status XXXX is not paired with the required L Payment Rating or correct PHP history, making this tradeline inaccurate.","date_sent_to_company":"2025-10-26T19:01:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89117","tags":null,"has_narrative":true,"complaint_id":"16825278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-10-26T18:56:31.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Specifically : - The Account Status ( Metro 2 Base <em>Field</em> 17A ) and Payment Rating ( 17B ) <em>fields</em> are inconsistent with the <em>required</em> coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either <em>missing</em>, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). - The Payment History Profile ( <em>Field</em> 18 ) does not accurately reflect the delinquency timeline that led to charge-off."]},"sort":[20.321472,"16825278"]},{"_index":"complaint-public-v1","_id":"16826620","_score":20.315714,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information. Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). - The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off. These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA. Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file. Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability. Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. Sincerely, XXXX XXXX Re-Aging Violation : The DOFD has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ). Incorrect Status/Payment Rating : The Status 97 is not paired with the required L Payment Rating or correct PHP history, making this tradeline inaccurate.","date_sent_to_company":"2025-10-26T18:49:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89117","tags":null,"has_narrative":true,"complaint_id":"16826620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-10-26T18:44:48.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Specifically : - The Account Status ( Metro 2 Base <em>Field</em> 17A ) and Payment Rating ( 17B ) <em>fields</em> are inconsistent with the <em>required</em> coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either <em>missing</em>, inaccurate, or has been re-aged to extend the 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