{"took":222,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3332,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16538117","_score":25.510195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1. Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - K4/3 Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Experian immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:13:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16538117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T21:02:49.000Z","state":"GA","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":["Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - K4/3 Segment Mero 2 compliance"],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[25.510195,"16538117"]},{"_index":"complaint-public-v1","_id":"16536763","_score":25.177065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - XXXX Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). \n\nAlso, I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:26:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16536763","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T21:19:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - XXXX Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently"],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[25.177065,"16536763"]},{"_index":"complaint-public-v1","_id":"16602723","_score":24.697826,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA XXXX and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XXXX while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) compliance violation - Portfolio Type Metro 2 ( Base XXXX ) compliance violation - Date Open Metro 2 ( Base XXXX ) compliance violation - Payment History Profile Metro 2 ( Field XXXX ) compliance violation - The Account Status Metro 2 Base XXXX compliance violation - Current Balance Metro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX compliance violation - Special Comment Metro 2 Base XXXX compliance violation - XXXX Segment Metro 2 XXXX - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA XXXX ( c ) - Medical DebtMetro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX compliance violation - Special Comment Metro 2 Base XXXX compliance violation - XXXX Segment Metro 2 XXXX - Re-Aging Issue the report DOFD has been unlawfully re-aged."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[24.697826,"16602723"]},{"_index":"complaint-public-v1","_id":"13241034","_score":24.692629,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX COMPLIANCE TACTICAL DISPUTE LETTER FROM : XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX DATE : XX/XX/XXXX TO : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE AND DEMAND LETTER - XXXX XXXX COMPLIANCE VIOLATIONS XXXX : XXXX XXXX : XX/XX/XXXX EMAIL : XXXX To Whom It XXXX Concern : I am writing to formally dispute information in my consumer credit report and to demand immediate correction of multiple Metro 2 Format compliance violations. This letter serves as my official notice that Experian has failed to maintain proper compliance with the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 Format requirements in several critical aspects of my credit report.\n\nSECTION I : IDENTIFICATION OF METRO 2 FORMAT STATIC FIELD VIOLATIONS The Metro 2 Format requires specific static data elements to remain consistent throughout the credit reporting process. My investigation has revealed that the following static fields have been compromised through improper verification processes : 1. Base Segment Field Violations : The static consumer information fields ( Fields 1-7 ) have been compromised through unauthorized data sharing between Experian and XXXX XXXX XXXX XXXX XXXX ) members as evidenced by the integration of your systems with the XXXX program. \nXXXX. Account XXXX XXXX XXXX ( XXXX XXXX ) : These critical status fields require verification from original furnishers only, not from third-party advertising networks. The recurrent verification of previously disputed accounts indicates a Metro 2 compliance failure in maintaining proper status code integrity.\n\nSECTION II : DISPUTE PROCESSING VIOLATIONS The Metro 2 Format mandates specific handling of consumer disputes under CDIA guidelines : 1. Field 24 ( XXXX XXXX XXXX ) : This field must display the appropriate dispute code XB during active investigations. The continuing verification of disputed accounts indicates failure to properly code this field during the dispute process. \nXXXX. Field 29 ( Current Balance ) : Metro 2 guidelines require this field to be appropriately marked during ongoing disputes. Your systems have failed to maintain proper dispute indicators. \nXXXX. Segment XXXX Violations : These consumer information segments must be accurately populated during dispute investigations. The recurring verification of disputed accounts demonstrates failure to properly implement these segments. \nSECTION XXXX : UNAUTHORIZED DATA SHARING COMPLIANCE FAILURES Experians participation in the XXXX XXXX XXXX ( DAA ) data sharing program without my explicit consent creates multiple Metro 2 compliance failures : 1. Permissible Purpose Violations : Metro 2 Format requires strict adherence to permissible purpose requirements in FCRA Section 604. Sharing my information with advertising networks violates these requirements. \nXXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX ) : This field requires accurate reporting of account responsibility. When data is improperly shared and then used for verification, this compromises ECOA code integrity.\n\nSECTION IV : RELEVANT LEGAL PRECEDENTS AND SETTLEMENTS Experians history of data security and compliance failures further supports my claims : XXXX. XXXX XXXX XXXX XXXX : In XXXX, Experian entered into a {$13.00} XXXX settlement with XXXX states regarding data breaches in XXXX and XXXX that compromised the personal information of millions of consumers nationwide. As stated by Attorney General XXXX XXXX, these settlements required Experian to improve their data security practices in addition to financial penalties. \nXXXX. XXXX XXXX of XXXX Claims : Federal courts have certified class action lawsuits against Experian for data security failures, with XXXX Experian data breach lawsuit settling for {$22.00} XXXX to help victims recover for damage done to their credit. \nXXXX. Regulatory Requirements : As noted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX compliance litigation, If the consumer were to sue the XXXX [ XXXX XXXX ] and or the CRA [ XXXX XXXX XXXX ] for non-compliance reporting of items on their credit report, they would win 100 % of the time providing the consumer had proof that they challenged, and that the challenge was received. \nSECTION XXXX : SPECIFIC DEMANDS FOR REMEDIATION Based on these identified XXXX XXXX Format violations and Experians established pattern of data security failures, I formally demand the following actions : XXXX. XXXX XXXX : XXXX a full XXXX XXXX compliance audit of my file, identifying all instances where improper verification occurred through advertising data sharing channels. \nXXXX. Documentation of Violations : Provide a written account of all Metro 2 Format violations identified in my file, including specific dates when my information was shared with XXXX XXXX XXXX members. \nXXXX. Permanent Correction : Implement permanent corrections to all static data fields that have been compromised through improper verification processes. \nXXXX. Removal of XXXX XXXX XXXX : Delete all information that has been verified through channels not compliant with Metro 2 Format requirements.\n\n5. Implementation of Block : Place a permanent block preventing future improper verification through advertising data sharing channels.\n\nSECTION VI : LEGAL NOTICE This dispute is submitted under both the Fair Credit Reporting Act and the specific technical requirements of the Metro 2 Format. Failure to address these specific technical violations may constitute willful noncompliance under FCRA Section 616, which provides for statutory and punitive damages, as demonstrated by Experians multiple settlements referenced above. \nI expect a complete response addressing each specific Metro 2 violation identified in this letter within 30 days of receipt, as required by law. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-29T14:18:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"13241034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-29T14:08:55.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This letter serves as my official notice that Experian has failed to maintain proper compliance with the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 Format requirements in several critical aspects of my credit report.\n\nSECTION I : IDENTIFICATION OF METRO 2 FORMAT STATIC FIELD VIOLATIONS The Metro 2 Format requires specific static data elements to remain consistent throughout the credit reporting process."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[24.692629,"13241034"]},{"_index":"complaint-public-v1","_id":"12903692","_score":24.631186,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CONSUMER NOTIFICATION OF DISPUTE METRO 2 COMPLIANCE VERIFICATION REQUEST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : FCRA SECTION 611 - DISPUTE OF INACCURATE REPORT INFORMATION METRO 2 COMPLIANCE VERIFICATION CONSUMER INFORMATION : Consumer Name : XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID XXXX XXXX ( Last XXXX SSN ) COMPLIANCE VERIFICATION REQUEST : PURSUANT TO THE FAIR CREDIT REPORTING ACT ( FCRA ) SECTION 611 AND THE METRO 2 FORMAT COMPLIANCE STANDARDS, I HEREBY FORMALLY DISPUTE THE FOLLOWING ITEMS APPEARING ON MY CREDIT REPORT AS THEY CONTAIN INACCURATE, INCOMPLETE, UNVERIFIABLE, AND UNAUTHORIZED INFORMATION : SEGMENT : INQUIRY RECORDS FIELD : MULTIPLE HARD INQUIRIES COMPLIANCE ISSUE : UNAUTHORIZED ACCESS & PERMISSIBLE PURPOSE VIOLATION SPECIFIC INQUIRY VIOLATIONS : XXXX. DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX separate inquiries on same day COMPANIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX without authorization, non-compliant with Metro 2 Format field XXXX ( Permissible Purpose Code Field ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries within minutes COMPANIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Multiple inquiries within minutes COMPANIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION : Metro 2 Format field violations for multiple inquiry processing XXXX. DATE FIELD SEGMENT : XX/XX/XXXX QUANTITY : Multiple inquiries within minutes COMPANIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Failure to maintain Metro 2 Format field compliance for inquiry verification","date_sent_to_company":"2025-04-09T22:26:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12903692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-09T22:17:27.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX VIOLATION : Metro 2 Format field violations for multiple inquiry processing XXXX."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[24.631186,"12903692"]},{"_index":"complaint-public-v1","_id":"12914602","_score":24.603693,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Credit Report - Metro 2 Compliance and FCRA Violations Analysis Identified Violations in Payment History Grid 1. Incomplete/Inaccurate Payment History Data The payment history grid for XXXX shows No Data Available for all months ( indicated by the crosshatched pattern in all calendar grid boxes ). However, the report also shows Months Reviewed : 1 at the bottom, creating a contradiction. This violates : FCRA Section 607 ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information Metro 2 Format requirements : Mandates standardized reporting of payment history data ECOA compliance standards : Requires accurate reporting of credit information This discrepancy suggests either : Missing data that should have been reported Improper formatting of available data Failure to accurately process or display existing payment information 2. Misleading Payment Status Indicators The report contains payment status indicators ( 30, 60, 90, 120, 150, 180 days past due ) even though no payment history is displayed in the grid, potentially creating a misleading impression about payment performance. This violates : FCRA Section 605 ( a ) : Prohibits misleading representations Metro 2 Format standards : Requires consistent application of payment codes and indicators TILA disclosure requirements : Mandates accurate disclosure of payment status information 3. Inconsistent Time Period Reporting The report indicates Months Reviewed : 1 but shows a full calendar year grid for XXXX with all months marked as No Data Available. This inconsistency violates : Metro 2 Format guidelines : Requires consistent time period reporting FCRA accuracy requirements : Mandates that information be reported in a non-misleading manner CDIA standards : Requires that No Data indicators only be used when appropriate 4. Ambiguous Payment Status Codes The report includes codes like : V ( Voluntary Surrender ) F ( Foreclosure ) CO ( Charge Off ) B ( Included in Bankruptcy ) R ( Repossession ) TN ( Too New to Rate ) While these codes themselves are standard under Metro 2 Format, displaying them without any corresponding actual payment history creates potential confusion and may violate : FCRA Section 609 ( a ) ( 1 ) : Requires clear disclosure of information in file Metro 2 Format standards : Requires proper context for payment status codes CDIA reporting guidelines : Requires accurate relationship between payment codes and history 5. Improper Months Reviewed Calculation The Months Reviewed : 1 notation contradicts the empty payment history grid, suggesting either : A calculation error in determining review period Improper application of Metro 2 Format standards Failure to accurately count and report payment history periods This violates Metro 2 compliance requirements for accurate temporal representation of payment history. \nLegal Implications 1. These violations potentially constitute : FCRA violations : Failure to follow reasonable procedures to assure maximum possible accuracy TILA violations : Improper disclosure of credit terms ECOA violations : Potential disparate impact if inconsistent reporting affects credit decisions Metro 2 Format non-compliance : Multiple technical format errors 2. Recent CFPB enforcement actions against Equifax have targeted similar issues, resulting in significant penalties. In XXXX, the CFPB ordered Equifax to pay {$15.00} XXXX for improper investigations of credit reporting errors. \n3. The contradictory and incomplete nature of the payment history reporting could be grounds for a dispute under FCRA Section 611, which requires consumer reporting agencies to conduct reasonable reinvestigations of disputed information.\n\nRecommended Actions 1. File a formal dispute with Equifax challenging : The contradictory Months Reviewed : 1 versus empty payment grid The display of payment status codes without corresponding payment history The accuracy of any implied payment status 2. Submit a complaint to the CFPB specifically citing : Metro 2 Format violations in payment history reporting FCRA Section 607 ( b ) violations regarding accuracy Technical data inconsistencies in the report","date_sent_to_company":"2025-04-10T10:00:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12914602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-10T08:44:37.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Submit a complaint to the CFPB specifically citing : Metro 2 Format violations in payment history reporting FCRA Section 607 ( b ) violations regarding accuracy Technical data inconsistencies in the report"],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[24.603693,"12914602"]},{"_index":"complaint-public-v1","_id":"12914577","_score":24.600801,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Credit Report - Metro 2 Compliance and FCRA Violations Analysis Identified Violations in Payment History Grid 1. Incomplete/Inaccurate Payment History Data The payment history grid for XXXX shows No Data Available for all months ( indicated by the crosshatched pattern in all calendar grid boxes ). However, the report also shows Months Reviewed : 1 at the bottom, creating a contradiction. This violates : FCRA Section 607 ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information Metro 2 Format requirements : Mandates standardized reporting of payment history data ECOA compliance standards : Requires accurate reporting of credit information This discrepancy suggests either : Missing data that should have been reported Improper formatting of available data Failure to accurately process or display existing payment information 2. Misleading Payment Status Indicators The report contains payment status indicators ( 30, 60, 90, 120, 150, 180 days past due ) even though no payment history is displayed in the grid, potentially creating a misleading impression about payment performance. This violates : FCRA Section 605 ( a ) : Prohibits misleading representations Metro 2 Format standards : Requires consistent application of payment codes and indicators TILA disclosure requirements : Mandates accurate disclosure of payment status information 3. Inconsistent Time Period Reporting The report indicates Months Reviewed : 1 but shows a full calendar year grid for XXXX with all months marked as No Data Available. This inconsistency violates : Metro 2 Format guidelines : Requires consistent time period reporting FCRA accuracy requirements : Mandates that information be reported in a non-misleading manner CDIA standards : Requires that No Data indicators only be used when appropriate 4. Ambiguous Payment Status Codes The report includes codes like : V ( Voluntary Surrender ) F ( Foreclosure ) CO ( Charge Off ) B ( Included in Bankruptcy ) R ( Repossession ) TN ( Too New to Rate ) While these codes themselves are standard under Metro 2 Format, displaying them without any corresponding actual payment history creates potential confusion and may violate : FCRA Section 609 ( a ) ( 1 ) : Requires clear disclosure of information in file Metro 2 Format standards : Requires proper context for payment status codes CDIA reporting guidelines : Requires accurate relationship between payment codes and history 5. Improper Months Reviewed Calculation The Months Reviewed : 1 notation contradicts the empty payment history grid, suggesting either : A calculation error in determining review period Improper application of Metro 2 Format standards Failure to accurately count and report payment history periods This violates Metro 2 compliance requirements for accurate temporal representation of payment history. \nLegal Implications 1. These violations potentially constitute : FCRA violations : Failure to follow reasonable procedures to assure maximum possible accuracy TILA violations : Improper disclosure of credit terms ECOA violations : Potential disparate impact if inconsistent reporting affects credit decisions Metro 2 Format non-compliance : Multiple technical format errors 2. Recent CFPB enforcement actions against Equifax have targeted similar issues, resulting in significant penalties. In XXXX, the CFPB ordered Equifax to pay {$15.00} XXXX for improper investigations of credit reporting errors. \n3. The contradictory and incomplete nature of the payment history reporting could be grounds for a dispute under FCRA Section 611, which requires consumer reporting agencies to conduct reasonable reinvestigations of disputed information.\n\nRecommended Actions 1. File a formal dispute with Equifax challenging : The contradictory Months Reviewed : 1 versus empty payment grid The display of payment status codes without corresponding payment history The accuracy of any implied payment status 2. Submit a complaint to the CFPB specifically citing : Metro 2 Format violations in payment history reporting FCRA Section 607 ( b ) violations regarding accuracy Technical data inconsistencies in the report","date_sent_to_company":"2025-04-10T11:00:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12914577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-10T08:37:18.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Submit a complaint to the CFPB specifically citing : Metro 2 Format violations in payment history reporting FCRA Section 607 ( b ) violations regarding accuracy Technical data inconsistencies in the report"],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[24.600801,"12914577"]},{"_index":"complaint-public-v1","_id":"12144132","_score":24.540743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary for CFPB Metro 2 Compliance Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under FCRA. The first time, I filed a traditional FCRA dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 Compliance standards, which requires them to either prove compliance or remove the accounts immediately within 5 business days.\n\nUnder CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.\n\nKey Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request.\n\nThese accounts are not properly formatted under Metro 2, making them legally unreportable and subject to immediate deletion.\n\nUnder 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ), they must either validate full Metro 2 compliance or delete these accounts immediatelynot in 30 days, but within 5 business days.\n\nI have re-attached my Metro 2 Compliance Letter with full documentation for review. \n\nThank you for your prompt attention.","date_sent_to_company":"2025-02-21T02:33:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12144132","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-21T02:26:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.\n\nKey Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[24.540743,"12144132"]},{"_index":"complaint-public-v1","_id":"12144085","_score":24.454432,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary for CFPB Metro 2 Compliance Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under FCRA. The first time, I filed a traditional FCRA dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 Compliance standards, which requires them to either prove compliance or remove the accounts immediately within 5 business days.\n\nUnder CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.\n\nKey Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request.\n\nThese accounts are not properly formatted under Metro 2, making them legally unreportable and subject to immediate deletion.\n\nUnder 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ), they must either validate full Metro 2 compliance or delete these accounts immediatelynot in 30 days, but within 5 business days.\n\nI have re-attached my Metro 2 Compliance Letter with full documentation for review. \n\nThank you for your prompt attention.","date_sent_to_company":"2025-02-21T02:33:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12144085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-21T02:32:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.\n\nKey Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[24.454432,"12144085"]},{"_index":"complaint-public-v1","_id":"17116390","_score":24.423798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include but may not be limited to Accounts in Dispute : 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base 25 ) compliance violation - The Account Status Metro 2 ( Base/17A ) compliance violation - Terms Duration Metro 2 ( Base/13 ) compliance violation - Portfolio Type Metro 2 ( Base/9 ) compliance violation - Date Open Metro 2 ( Base/10 ) compliance violation - Portfolio Type Metro 2 ( Base/8 ) compliance violation - Payment History Profile Metro 2 ( Field/18 ) compliance violation - Current Balance Metro 2 ( Base/12 ) compliance violation - ECOA Code Base/37 J1 & J2/10 - Last Payment Date Metro 2 ( Base/17 ) compliance violation - Special Comment Metro 2 ( Base/19 ) compliance violation - K1 Segment Metro 2 K1/3 - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA 605 ( c ) This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Equifax credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. Inconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-11-08T16:34:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"17116390","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-08T16:16:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["/8 ) compliance violation - Payment History Profile Metro 2 ( Field/18 ) compliance violation - Current Balance Metro 2 ( Base/12 ) compliance violation - ECOA Code Base/37 J1 & J2/10 - Last Payment Date Metro 2 ( Base/17 ) compliance violation - Special Comment Metro 2 ( Base/19 ) compliance violation - K1 Segment Metro 2 K1/3 - Re-Aging Issue the report DOFD has been unlawfully re-aged."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[24.423798,"17116390"]},{"_index":"complaint-public-v1","_id":"16602938","_score":24.340029,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) compliance violation - Portfolio Type Metro 2 ( Base XXXX ) compliance violation - Date Open Metro XXXX ( Base XXXX ) compliance violation - Payment History Profile Metro 2 ( Field XXXX ) compliance violation - The Account Status XXXX XXXX Base XXXX compliance violation - Current Balance Metro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX XXXX violation - Special Comment Metro 2 Base XXXX XXXX violation - XXXX Segment XXXX XXXX XXXX - XXXX Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of XXXX XXXX ( c ) - Medical XXXX This is a medical collection reported within the 180 day grace period violating current credit reporting rules This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax XXXX XXXX and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Experian credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-15T16:35:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16602938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-15T16:28:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[24.340029,"16602938"]},{"_index":"complaint-public-v1","_id":"7037754","_score":23.919107,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2.\n\nThe following items are being disputed : XXXX Date Opened/Date Closed/Date Reported In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history.\n\n2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness.\n\n3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile.\n\n4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting.\n\n5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability.\n\nTo facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance.\n\nAs per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. \n\nI understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.\n\nThank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. \n\nI appreciate your prompt resolution of this dispute. \n\nSincerely,","date_sent_to_company":"2023-05-27T16:38:53.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7037754","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-27T16:33:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"]},"sort":[23.919107,"7037754"]},{"_index":"complaint-public-v1","_id":"7037719","_score":23.917538,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2.\n\nThe following items are being disputed : 1. XXXX XXXX Date Opened 2. XXXX XXXX Date opened In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history. \n\n2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness.\n\n3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile.\n\n4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting.\n\n5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability.\n\nTo facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance.\n\nAs per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made.\n\nI understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.\n\nThank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. \n\nI appreciate your prompt resolution of this dispute. \n\nSincerely,","date_sent_to_company":"2023-05-27T16:46:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7037719","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-27T16:40:00.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"]},"sort":[23.917538,"7037719"]},{"_index":"complaint-public-v1","_id":"7037709","_score":23.896742,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2.\n\nThe following items are being disputed : XXXX Date Opened/Date Closed/Date Reported In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history.\n\n2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness.\n\n3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile.\n\n4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting.\n\n5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability.\n\nTo facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance.\n\nAs per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made.\n\nI understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.\n\nThank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. \n\nI appreciate your prompt resolution of this dispute. \n\nSincerely,","date_sent_to_company":"2023-05-27T16:38:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7037709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-27T16:38:56.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"]},"sort":[23.896742,"7037709"]},{"_index":"complaint-public-v1","_id":"12999633","_score":23.876858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPLAINT TO TRANSUNION VIA THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX LA XXXX Date : XX/XX/XXXX To : TransUnion Consumer RelationsVia : XXXXonsumer Financial Protection BureauXXXX. XXXX XXXX XXXX, IA XXXX RE : URGENT - Metro 2 Format Violations & Fair Credit Reporting Abuses by XXXX ( Account Last Reported XX/XX/XXXX ) To Whom It May Concern : I am filing this formal complaint to document critical and willful violations of credit reporting standards by XXXX. My comprehensive review has identified egregious technical violations of Metro 2 Format requirements that demonstrate a pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Consumer Reporting Resource Guide ( CRRG ) standards. These violations constitute UNFAIR and DECEPTIVE practices that have materially damaged my credit profile, caused demonstrable harm, and systematically impeded my federally protected consumer rights. \nAccount Details ( Per Credit Report ) Collection Agency : XXXX Alleged Original Creditor : XXXX ( Same entity improperly listed twice ) Account Balance : {$1000.00} Account Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Open/Placed for collection Consumer Dispute Status : Account information disputed by consumer ( Duplicated ) Specific Technical Metro 2 Format Violations Metro 2 Base Segment Violations 1. Segment Identifier Error ( Field 1 ) : XXXX has improperly coded the Base Segment Identifier by duplicating itself as both creditor and collection agency, violating Field XXXX technical specifications. \n2. Consumer Account Number ( XXXX XXXX ) : The account identifiers are inconsistently applied between segments, evidenced by duplicate dispute reporting. \nXXXX. XXXX XXXX ( XXXX XXXX ) : No proper designation as specified in Metro 2 format requirements. \n4. Account Type ( XXXX XXXX ) : Completely missing value ( displayed as ), a critical mandatory field violation. \n5. Consumer Information Indicator ( XXXX XXXX ) : Improper coding as evidenced by the duplicate dispute remarks. \n6. Account XXXX ( XXXX XXXX ) : Incorrect status coding for an account under active dispute. \n7. Payment History Profile ( XXXX XXXX ) : Timeline inconsistencies suggesting improper retroactive reporting. \n8. Special Comment ( XXXX XXXX ) : Failure to properly code disputed account status. \n9. Compliance Condition ( XXXX XXXX ) : Missing appropriate FCRA compliance codes. \n10. ECOA Code ( XXXX XXXX ) : Improperly coded during disputed status, violating ECOA requirements. \nAssociated Consumer Segment Violations 1. Consumer Dispute Information ( XXXX XXXXXXXX ) : Critical duplicate coding of disputed status demonstrates systemic Metro 2 formatting failures. \nXXXX XXXX XXXXt Relationship Error : XXXX has failed to properly distinguish collection agency vs. original creditor roles in the required XXXX segments. \nFCRA Section 605 ( a ) ( 5 ) Violations The account appears potentially re-aged based on date inconsistencies, potentially violating the 7-year reporting limitation. This constitutes a direct violation of Section 605 ( a ) ( 5 ) of the FCRA and demonstrates willful non-compliance.\n\nTechnical Access Barrier Evidence The persistent 411 Loading error preventing access to my account demonstrates systematic technological barriers to my federally protected rights to access and dispute information ( FCRA Section 609 ).\n\nFairness Impact Statement The technical violations detailed above demonstrate a pattern of unfair practices that directly harm me as a consumer in the following specific ways : 1. Credit Score Damage : These Metro 2 format violations have caused artificial reduction in my credit score through improper coding and duplicate negative reporting. \n2. Economic Hardship : These inaccuracies have directly resulted in denial of credit, increased interest rates, and reduced financial opportunities, causing quantifiable economic harm.\n\n3. Psychological Impact : The frustration and anxiety caused by being unable to access my own information ( 411 Loading error ) while negative information remains on my report constitutes emotional distress. \n4. Time Burden : I have spent countless hours attempting to resolve these issues, constituting a significant opportunity cost. \n5. Dispute Access Denial : The technical barriers prevent me from exercising my federally protected right to dispute inaccurate information.\n\nRequested Relief Based on the detailed technical Metro 2 format violations outlined above, I request the following specific remedies : 1. Immediate Removal : Complete deletion of the XXXX tradeline due to critical Metro 2 format violations rendering the entire reporting invalid. \n2. Statutory Damages : Payment of {$1000.00} per violation as provided under FCRA Section 616 for willful noncompliance, totaling {$10000.00} for the ten specific Metro 2 Format violations enumerated above. \n3. Civil Penalty Assessment : Investigation into pattern and practice violations under CFPB authority to assess civil penalties for willful non-compliance with XXXXetro 2 standards.\n\n4. Technical Compliance Audit : Full examination of XXXX Metro 2 compliance procedures and systems to identify systemic failures. \nXXXX. Restitution : Compensation for credit score damage, application denials, and increased interest costs directly resulting from these violations. \n6. Injunctive Relief : Order requiring XXXX to immediately fix technical barriers preventing account access. \nI have documented evidence of all violations cited, including screenshots of my credit report and the 411 Loading technical error. I stand ready to provide additional documentation supporting these claims.\n\nThe combination of technical Metro 2 violations, inaccurate reporting, and access barriers demonstrates a systematic disregard for consumer protection regulations that merits immediate and decisive enforcement action. \nRespectfully submitted, XXXX XXXX Enclosures : Credit report dated XX/XX/XXXX showing Metro 2 format violations Screenshots of 411 Loading technical access barrier Account statements showing dispute history cc : Federal Trade Commission ( FTC ) - Bureau of Consumer Protection National Credit Reporting Agencies ( XXXXXXXX XXXX, TransUnion ) Consumer Data Industry Association ( CDIA )- Metro 2 Format Standards Committee","date_sent_to_company":"2025-04-16T09:37:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12999633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T09:28:57.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, IA XXXX RE : URGENT - Metro 2 Format Violations & Fair Credit Reporting Abuses by XXXX ( Account Last Reported XX/XX/XXXX ) To Whom It May Concern : I am filing this formal complaint to document critical and willful violations of credit reporting standards by XXXX."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[23.876858,"12999633"]},{"_index":"complaint-public-v1","_id":"12153180","_score":23.861843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.\n\nI am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-20T17:32:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12153180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-20T17:31:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[23.861843,"12153180"]},{"_index":"complaint-public-v1","_id":"12153177","_score":23.861843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.\n\nI am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-20T17:32:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12153177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-20T17:31:32.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[23.861843,"12153177"]},{"_index":"complaint-public-v1","_id":"7037787","_score":23.839813,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2. \n\nThe following items are being disputed : 1. XXXX Date Opened/Closed Date/Date Reported 2. XXXX Date Opened/Closed date/Date Reported In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history. \n\n2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness. \n\n3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile. \n\n4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting. \n\n5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability. \n\nTo facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance. \n\nAs per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made.\n\nI understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.\n\nThank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. \n\nI appreciate your prompt resolution of this dispute. \n\nSincerely,","date_sent_to_company":"2023-05-27T16:54:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7037787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-27T16:54:12.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"]},"sort":[23.839813,"7037787"]},{"_index":"complaint-public-v1","_id":"12152678","_score":23.83391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.\n\nI am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-20T17:32:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12152678","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-20T17:22:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[23.83391,"12152678"]},{"_index":"complaint-public-v1","_id":"12962191","_score":23.69326,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX FORMAL DISPUTE LETTER # # Medical Information Reporting & Metro 2 Format Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE : Medical Data Reporting Violations - Account # : [ YOUR EXPERIAN FILE NUMBER ] ** To Whom It May Concern : I am writing to formally dispute improper disclosure of medical information on my consumer report maintained by Experian. This dispute is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and specifically addresses multiple Metro 2 Format violations as established by the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nAfter reviewing my Experian credit report, I have identified the following specific Metro 2 Format violations related to medical information : 1. **Improper Consumer Information Indicator ( CII ) Code Usage** : Metro 2 Format mandates the use of specific CII codes in positions 164-167 of the Base Segment for medical information. Specifically, code \" HB '' must be used to indicate accounts arising from the provision of medical services, products, or devices. Your report fails to properly code these accounts. \n\n2. **Non-Compliant Medical Information Disclosure** : Per FCRA Section 604 ( g ) and Metro 2 Format standards, medical information must be properly masked in furnisher name fields. Your notification states that \" Consumer statements included on your report at your request that contain medical information are disclosed to others, '' which directly violates Metro 2 requirements that ALL medical information should be masked with appropriate coding.\n\n3. **Improper Special Comment Code Implementation** : Metro 2 Format requires special comment codes in positions 391-410 for medical accounts, specifically using code \" CP '' ( medical collection ) for healthcare provider accounts in collection. Your report fails to properly apply these codes.\n\n4. **Absence of Required Identity Theft Indicator** : Medical information exposed without proper Metro 2 formatting presents heightened identity theft risks. Your report lacks the required Identity Theft indicator in positions 332-346 of the J2 Segment as required by Metro 2 Format when sensitive information is present.\n\n5. **Violation of Relationship Code Requirements** : Metro 2 Format requires specific ECOA Code designation in position 25 for medical debt, reflecting appropriate relationship attribution. Your report improperly assigns standard relationship codes to medical accounts. \n\nAs these violations constitute significant non-compliance with industry standards and federal law, I demand the following actions : 1. Immediate removal of all improperly formatted medical information from my consumer report 2. Full implementation of proper Metro 2 Format standards for any remaining medical information, including appropriate CII codes, Special Comment Codes, and Identity Theft indicators 3. Written confirmation of these corrections within 30 days as required by the FCRA 4. Provision of a corrected consumer report after your investigation is complete","date_sent_to_company":"2025-04-13T03:15:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12962191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-13T03:12:50.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This dispute is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and specifically addresses multiple Metro 2 Format violations as established by the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nAfter reviewing my Experian credit report, I have identified the following specific Metro 2 Format violations related to medical information : 1."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[23.69326,"12962191"]},{"_index":"complaint-public-v1","_id":"14608979","_score":23.576548,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} OPENED XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, violating both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry compliance standards. I have already disputed these accounts directly with the credit bureaus and requested : The method of verification used to confirm the accuracy of each closed account Full Metro 2 compliance documentation, including : Correct date of first delinquency ( DOFD ) Base Segment integrity Proper condition codes Status and payment history blocks formatted per CDIA guidance Clarification on why these accounts are reporting with negative or outdated data despite being closed The credit bureaus have responded with a generic verified response and have failed to produce any documentation or proof required under FCRA 611 ( a ) and the Metro 2 Format Guide. Additionally, some accounts are reporting inconsistent data across the three bureaus ( i.e., different balances, dates, or statuses ), which is a direct sign of data integrity failure under Metro 2 and FCRA. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and launch an immediate reinvestigation. If the furnishers and credit bureaus can not verify these closed accounts with full Metro 2 formatting compliance and proper documentation, they must be permanently deleted from my credit report. I am attaching : A copy of my credit report showing the closed accounts in question Prior disputes submitted to the bureaus If the furnishers or CRAs fail to produce compliant records or Metro 2 formatting as required, I request full deletion of these unverifiable accounts under federal law. Thank you for your urgent attention.","date_sent_to_company":"2025-07-11T23:52:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29579","tags":null,"has_narrative":true,"complaint_id":"14608979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-11T23:51:50.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} OPENED XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, violating both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry compliance standards."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[23.576548,"14608979"]},{"_index":"complaint-public-v1","_id":"14588033","_score":23.494038,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} OPENED XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, violating both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry compliance standards. I have already disputed these accounts directly with the credit bureaus and requested : The method of verification used to confirm the accuracy of each closed account Full Metro 2 compliance documentation, including : Correct date of first delinquency ( DOFD ) Base Segment integrity Proper condition codes Status and payment history blocks formatted per CDIA guidance Clarification on why these accounts are reporting with negative or outdated data despite being closed The credit bureaus have responded with a generic verified response and have failed to produce any documentation or proof required under FCRA 611 ( a ) and the Metro 2 Format Guide. Additionally, some accounts are reporting inconsistent data across the three bureaus ( i.e., different balances, dates, or statuses ), which is a direct sign of data integrity failure under Metro 2 and FCRA. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and launch an immediate reinvestigation. If the furnishers and credit bureaus can not verify these closed accounts with full Metro 2 formatting compliance and proper documentation, they must be permanently deleted from my credit report. I am attaching : A copy of my credit report showing the closed accounts in question Prior disputes submitted to the bureaus If the furnishers or CRAs fail to produce compliant records or Metro 2 formatting as required, I request full deletion of these unverifiable accounts under federal law. Thank you for your urgent attention.","date_sent_to_company":"2025-07-11T23:52:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29579","tags":null,"has_narrative":true,"complaint_id":"14588033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T23:39:15.000Z","state":"SC","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":["I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} OPENED XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, violating both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry compliance standards."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[23.494038,"14588033"]},{"_index":"complaint-public-v1","_id":"12915730","_score":23.410568,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX RE : COMPLAINT AGAINST CHEXSYSTEMS, INC. - FCRA, METRO 2 FORMAT, AND REPORTING VIOLATIONS To Whom It May Concern : I am writing to file a formal complaint against ChexSystems , Inc. regarding numerous violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Metro 2 Format reporting standards in my consumer disclosure report. I recently received a Consumer Score Disclosure Report dated XX/XX/year>XXXX ( Consumer ID : XXXX ) that contains several critical compliance issues requiring immediate investigation and correction. \nIDENTIFIED VIOLATIONS 1. DATA ACCURACY AND INTEGRITY VIOLATIONS ( FCRA Section 623 ) The report shows a significant date discrepancy : The score creation date is listed as XX/XX/year>, but the Last Revision Date shows XX/XX/XXXX, XXXX nearly two-year difference that raises serious questions about data accuracy and timeliness. \nThis violates FCRA requirements that furnished information must be complete and accurate, and that reporting agencies must follow reasonable procedures to assure maximum possible accuracy. \n2. METRO 2 FORMAT COMPLIANCE FAILURES The report uses cryptic codes ( XXXX, XXXX, XXXX ) with vague descriptions that fail to provide sufficiently clear information to the average consumer. \nAccording to Metro 2 Format standards established by the XXXX XXXX XXXX XXXX ( XXXX ), data furnishers must ensure information is reported in a standardized manner that enables clear understanding by consumers. \nThe report fails to adequately explain the specific impact of each factor on my score in compliance with Metro 2 requirements. \n3. INSUFFICIENT DISCLOSURE OF CONSUMER RIGHTS ( FCRA Section 609 ) The report does not adequately explain my right to dispute inaccurate information. \nNo clear instructions are provided on how to initiate a dispute or the timeline for investigation. \nNo explanation of my right to add a consumer statement to my file is included. \n4. ADVERSE ACTION NOTICE DEFICIENCIES ( ECOA/Regulation B ) The report does not provide sufficient information about what specific actions I can take to address the factors that negatively affected my score. \nThis violates the spirit of adverse action notice requirements designed to help consumers understand and address negative factors.","date_sent_to_company":"2025-04-10T08:01:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12915730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-04-10T07:53:05.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":[". - FCRA, METRO 2 FORMAT, AND REPORTING VIOLATIONS To Whom It May Concern : I am writing to file a formal complaint against ChexSystems , Inc. regarding numerous violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Metro 2 Format reporting standards in my consumer disclosure report."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[23.410568,"12915730"]},{"_index":"complaint-public-v1","_id":"12946063","_score":23.196177,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX [ Credit Bureau Name ] TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTN : Settlement Officer / Legal Department RE : FORMAL DISPUTE OF INACCURATE CREDIT INFORMATION ACCOUNT # : [ Account Number from Report ] REPORT # : [ Credit Report Number, if available ] SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED To the Settlement Officer and Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute multiple items on my consumer credit report that fail to comply with the Metro 2 Format requirements as mandated by the XXXX XXXX XXXX XXXX ( XXXX ) and required under the FCRA. \nAfter careful review of my credit report dated [ Date of Report ], I have identified that the following accounts contain significant Metro 2 Format violations that render them materially inaccurate, incomplete, and unverifiable : XXXX. XXXX / XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX XXXX. XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX These accounts contain numerous Metro 2 Format violations, including but not limited to : Primary Metro 2 Format Violations : 1. Account Status Indicator ( Field 17A ) : The accounts improperly use 30 and 60 delinquency codes without proper Metro 2 formatting and show conflicting statuses between OK and delinquency ratings.\n\n2. Payment History Profile ( Field 18 ) : The accounts fail to display the XXXX XXXX payment history timeline and use non-standard OK designations instead of proper Metro 2 character codes .\n\n3. Date of First Delinquency ( Field 25 ) : This critical field is completely missing despite delinquencies being reported, a fundamental FCRA violation as this field determines the XXXX reporting timeline. \nXXXX. Account Ownership Indicator ( Field 14 ) : The accounts use text descriptions ( Individual Account ) instead of required Metro 2 codes for ownership types.\n\n5. Special Comment Codes ( Field 19 ) : Missing required codes for transferred accounts ( specifically the XXXX XXXX account showing PURCHASED BY ANOTHER LENDER ). \nXXXX Credit Limit vs. High Balance Discrepancy : The XXXX XXXX account shows a high balance ( {$400.00} ) exceeding the credit limit ( {$200.00} ), which constitutes an inaccurate reporting. \nXXXX. XXXX Segment Violations : Missing required specialized segment data for the charged-off account. \nI hereby request that you : 1. Conduct a reasonable reinvestigation into these Metro 2 Format violations as required under 15 U.S.C. 1681i ( a ) ( 1 ).\n\n2. Forward all relevant information regarding this dispute to the furnishers as required under 15 U.S.C. 1681i ( a ) ( 2 ).\n\n3. Remove these accounts from my credit report if they can not be verified with proper Metro 2 Format compliance as required under 15 U.S.C. 1681i ( a ) ( 5 ).\n\n4. Provide me with written notification of the results of your investigation within 30 days as mandated by the FCRA.\n\nAs recently emphasized by the CFPB in their enforcement actions, credit reporting agencies must ensure proper Metro 2 Format compliance by furnishers. The violations identified above render these accounts materially misleading and inaccurate. \nPlease be advised that failure to conduct a proper investigation and correct these Metro 2 Format violations may constitute a violation of the FCRA, potentially subjecting your organization to liability under 15 U.S.C. 1681n and 1681o.\n\nI appreciate your prompt attention to this matter and look forward to your response within the timeframe specified by the FCRA.","date_sent_to_company":"2025-04-11T11:26:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12946063","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-11T11:13:04.000Z","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":["Remove these accounts from my credit report if they can not be verified with proper Metro 2 Format compliance as required under 15 U.S.C. 1681i ( a ) ( 5 ).\n\n4. Provide me with written notification of the results of your investigation within 30 days as mandated by the FCRA.\n\nAs recently emphasized by the CFPB in their enforcement actions, credit reporting agencies must ensure proper Metro 2 Format compliance by furnishers."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[23.196177,"12946063"]},{"_index":"complaint-public-v1","_id":"14696224","_score":23.019156,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the above-referenced account as it appears on my consumer credit report. I have no knowledge of this XXXX XXXX account, the address they have is not mine, and have never received services at that location. \nAdditionally, this account appears to be reporting inaccurately and in violation of Metro 2 and FCRA standards, which require accurate, complete, and verifiable data. \n\nThe following Metro 2 compliance issues are present : Contradictory Pay Status vs. Date Closed The account reflects a Pay Status : >Collection< even though it is also marked closed on XX/XX/year>. According to Metro 2 Format XXXX and XXXX, an account can not simultaneously report a Closed status and remain in Collection pay status. \nViolation : Metro 2 Field 17 & Field 17A Original Creditor Listed Despite Potential Debt Sale The debt is marked as XXXX XXXX, yet if this account was sold or transferred to a third-party collector, Metro 2 requires the debt buyer to be accurately reported. \nViolation : Metro 2 Field 25 ( Account Number ), Field 50 ( Furnisher Name ), Field XXXX ( Portfolio Type ) No Debt Buyer or Assignee Listed The Metro 2 format mandates that if the debt is purchased, it must include the debt buyers name under appropriate fields. It is currently misrepresenting XXXX XXXX as the account owner, which is misleading under the FCRA 623 ( a ) ( 1 ) ( A ).\n\nViolation : Metro 2 Field 18 ( Special Comment Code Sold to Another Lender ) Outstanding Past Due on a Closed Account Reporting a Past Due amount of {$2000.00} on an account thats already been closed misrepresents the current payment obligation and violates Metro 2 guidelines.\n\nViolation : Metro 2 Field 16 ( Current Balance ) & Field 22 ( Past Due Amount ) Disputed Notation Present, But No Reinvestigation Completed The notation Account information disputed by consumer ( FCRA ) is present ; however, I have not received any investigation results or response, violating my rights under FCRA 611 ( a ) ( 1 ) ( A ) and Metro 2 compliance for dispute resolution and updating. \nViolation : Metro 2 Field 112 ( Compliance Condition Code value of XB ), and failure to comply with FCRA reinvestigation requirements","date_sent_to_company":"2025-07-16T03:07:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14696224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-16T02:56:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["According to Metro 2 Format XXXX and XXXX, an account can not simultaneously report a Closed status and remain in Collection pay status. \nViolation : Metro 2 Field 17 & Field 17A Original Creditor Listed Despite Potential Debt Sale The debt is marked as XXXX XXXX, yet if this account was sold or transferred to a third-party collector, Metro 2 requires the debt buyer to be accurately reported."]},"sort":[23.019156,"14696224"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3332,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3332}]}},"product":{"doc_count":3332,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2977,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2965},{"key":"Other personal consumer report","doc_count":12}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":283,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":281},{"key":"Credit repair services","doc_count":1},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":56,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":30},{"key":"Credit card debt","doc_count":11},{"key":"Medical debt","doc_count":4},{"key":"Rental debt","doc_count":3},{"key":"Telecommunications debt","doc_count":3},{"key":"Auto debt","doc_count":2},{"key":"Other debt","doc_count":2},{"key":"Federal student loan debt","doc_count":1}]}},{"key":"Student loan","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":7}]}},{"key":"Vehicle loan or lease","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":3},{"key":"Lease","doc_count":2}]}},{"key":"Credit card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":1}]}}]}},"issue":{"doc_count":3332,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":1422,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":925},{"key":"Account information incorrect","doc_count":239},{"key":"Account status incorrect","doc_count":146},{"key":"Public record information inaccurate","doc_count":41},{"key":"Personal information incorrect","doc_count":39},{"key":"Old information reappears or never goes away","doc_count":17},{"key":"Information is missing that should be on the report","doc_count":14},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Improper use of your 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