{"took":199,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2927,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12144132","_score":25.50578,"_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":["<em>Under</em> CDIAs <em>Metro</em> 2 guidelines, TransUnion is required to ensure that all data is fully compliant with <em>Metro</em> 2 <em>formatting</em> and <em>reporting</em> standards. These accounts do not meet <em>Metro</em> 2 <em>compliance</em>, meaning they must be deleted immediately or they will be in violation of federal data <em>reporting</em> laws.\n\nKey Issues with their Non-<em>Compliance</em> : They have already been notified but are acting as if they did not receive my previous request."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[25.50578,"12144132"]},{"_index":"complaint-public-v1","_id":"12144085","_score":25.41748,"_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":["<em>Under</em> CDIAs <em>Metro</em> 2 guidelines, TransUnion is required to ensure that all data is fully compliant with <em>Metro</em> 2 <em>formatting</em> and <em>reporting</em> standards. These accounts do not meet <em>Metro</em> 2 <em>compliance</em>, meaning they must be deleted immediately or they will be in violation of federal data <em>reporting</em> laws.\n\nKey Issues with their Non-<em>Compliance</em> : They have already been notified but are acting as if they did not receive my previous request."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[25.41748,"12144085"]},{"_index":"complaint-public-v1","_id":"16538117","_score":24.913225,"_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 <em>report</em> the required <em>Compliance</em> Condition Code XB while account is <em>under</em> active consumer dispute - The Account Status <em>Metro</em> 2 Base 17A <em>compliance</em> violation - Current Balance <em>Metro</em> Base 12 <em>compliance</em> violation - Terms <em>Metro</em> 2 Base 13 <em>compliance</em> violations- Last Payment Date <em>Metro</em> 2 Base 17 <em>compliance</em> violation - Special Comment <em>Metro</em> 2 Base 19 <em>compliance</em> violation - <em>Reporting</em> Summary <em>Metro</em> 2 Base 18 <em>compliance</em> violation - K4/3 Segment Mero 2 <em>compliance</em>"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[24.913225,"16538117"]},{"_index":"complaint-public-v1","_id":"7037754","_score":24.638702,"_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 <em>Under</em> <em>Metro</em> 2 <em>Reporting</em> Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit <em>report</em>, as mandated by the <em>Metro</em> 2 <em>Reporting</em> <em>Format</em>. After conducting a thorough review of my credit <em>report</em>, I have identified several inaccuracies and discrepancies that I believe violate the five points of <em>compliance</em> set forth by <em>Metro</em> 2."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[24.638702,"7037754"]},{"_index":"complaint-public-v1","_id":"7037719","_score":24.630112,"_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 <em>Under</em> <em>Metro</em> 2 <em>Reporting</em> Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit <em>report</em>, as mandated by the <em>Metro</em> 2 <em>Reporting</em> <em>Format</em>. After conducting a thorough review of my credit <em>report</em>, I have identified several inaccuracies and discrepancies that I believe violate the five points of <em>compliance</em> set forth by <em>Metro</em> 2."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[24.630112,"7037719"]},{"_index":"complaint-public-v1","_id":"7037709","_score":24.613344,"_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 <em>Under</em> <em>Metro</em> 2 <em>Reporting</em> Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit <em>report</em>, as mandated by the <em>Metro</em> 2 <em>Reporting</em> <em>Format</em>. After conducting a thorough review of my credit <em>report</em>, I have identified several inaccuracies and discrepancies that I believe violate the five points of <em>compliance</em> set forth by <em>Metro</em> 2."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[24.613344,"7037709"]},{"_index":"complaint-public-v1","_id":"16536763","_score":24.570293,"_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":["<em>compliance</em> violation - Terms <em>Metro</em> 2 Base 13 <em>compliance</em> violations- Last Payment Date <em>Metro</em> 2 Base 17 <em>compliance</em> violation - Special Comment <em>Metro</em> 2 Base 19 <em>compliance</em> violation - <em>Reporting</em> Summary <em>Metro</em> 2 Base 18 <em>compliance</em> violation - XXXX Segment Mero 2 <em>compliance</em> violation This complaint is a formal dispute <em>under</em> the Fair Credit <em>Reporting</em> Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[24.570293,"16536763"]},{"_index":"complaint-public-v1","_id":"7037787","_score":24.556652,"_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 <em>Under</em> <em>Metro</em> 2 <em>Reporting</em> Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit <em>report</em>, as mandated by the <em>Metro</em> 2 <em>Reporting</em> <em>Format</em>. After conducting a thorough review of my credit <em>report</em>, I have identified several inaccuracies and discrepancies that I believe violate the five points of <em>compliance</em> set forth by <em>Metro</em> 2."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[24.556652,"7037787"]},{"_index":"complaint-public-v1","_id":"14608979","_score":24.292171,"_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":["with a generic verified response and have failed to produce any documentation or proof required <em>under</em> FCRA 611 ( a ) and the <em>Metro</em> 2 <em>Format</em> Guide."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[24.292171,"14608979"]},{"_index":"complaint-public-v1","_id":"14588033","_score":24.206894,"_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":["with a generic verified response and have failed to produce any documentation or proof required <em>under</em> FCRA 611 ( a ) and the <em>Metro</em> 2 <em>Format</em> Guide."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[24.206894,"14588033"]},{"_index":"complaint-public-v1","_id":"16602723","_score":23.92717,"_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 Debt<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 TransUnion 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 TransUnion 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 XXXX ( 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 XXXX.","date_sent_to_company":"2025-10-15T16:43:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16602723","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-15T16:35:50.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Account # XXXX Specifically - Failure to <em>report</em> the required <em>Compliance</em> Condition Code XXXX  while account is <em>under</em> active consumer dispute - FCRA <em>Compliance</em> / Date of First Delinquency DOFD <em>Metro</em> 2 ( Base XXXX ) <em>compliance</em> violation - Portfolio Type <em>Metro</em> 2 ( Base XXXX ) <em>compliance</em> violation - Date Open <em>Metro</em> 2 ( Base XXXX ) <em>compliance</em> violation - Payment History Profile <em>Metro</em> 2 ( Field XXXX ) <em>compliance</em> violation - The Account Status <em>Metro</em> 2 Base XXXX <em>compliance</em> violation - Current"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.92717,"16602723"]},{"_index":"complaint-public-v1","_id":"7508143","_score":23.871094,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Thank you for your response regarding my recent dispute. I appreciate you looking into this matter.\n\nI wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. \n\nSpecifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. \n\nAs a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards. \n\nAs such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information. \n\nPlease let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards.\n\nThank you again for your assistance. \n\nRegards, XXXX","date_sent_to_company":"2023-09-06T22:05:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48224","tags":null,"has_narrative":true,"complaint_id":"7508143","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-06T22:05:54.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As a furnisher, XXXX is obligated <em>under</em> the FCRA to <em>report</em> consumer credit data, including dates, in <em>compliance</em> with <em>Metro</em> 2 technical <em>formatting</em> standards. \n\nAs such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX <em>format</em> required for dates over 24 months old when you <em>report</em> this data field to the credit bureaus. The bureaus rely on furnishers to provide <em>Metro</em> 2 compliant information."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.871094,"7508143"]},{"_index":"complaint-public-v1","_id":"7509719","_score":23.852135,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Thank you for your response regarding my recent dispute. I appreciate you looking into this matter.\n\nI wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. \n\nSpecifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. \n\nAs a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards. \n\nAs such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information. \n\nPlease let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards.\n\nThank you again for your assistance. \n\nRegards, XXXX","date_sent_to_company":"2023-09-06T22:05:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48224","tags":null,"has_narrative":true,"complaint_id":"7509719","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-06T22:05:54.000Z","state":"MI","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":["As a furnisher, XXXX is obligated <em>under</em> the FCRA to <em>report</em> consumer credit data, including dates, in <em>compliance</em> with <em>Metro</em> 2 technical <em>formatting</em> standards. \n\nAs such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX <em>format</em> required for dates over 24 months old when you <em>report</em> this data field to the credit bureaus. The bureaus rely on furnishers to provide <em>Metro</em> 2 compliant information."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.852135,"7509719"]},{"_index":"complaint-public-v1","_id":"7509562","_score":23.771254,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Thank you for your response regarding my recent dispute. I appreciate you looking into this matter. \n\nI wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. \n\nSpecifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. \n\nAs a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards.\n\nAs such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information.\n\nPlease let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards. \n\nThank you again for your assistance. \n\nRegards, XXXX","date_sent_to_company":"2023-09-06T22:05:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48224","tags":null,"has_narrative":true,"complaint_id":"7509562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-06T22:05:54.000Z","state":"MI","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":["As a furnisher, XXXX is obligated <em>under</em> the FCRA to <em>report</em> consumer credit data, including dates, in <em>compliance</em> with <em>Metro</em> 2 technical <em>formatting</em> standards.\n\nAs such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX <em>format</em> required for dates over 24 months old when you <em>report</em> this data field to the credit bureaus. The bureaus rely on furnishers to provide <em>Metro</em> 2 compliant information."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.771254,"7509562"]},{"_index":"complaint-public-v1","_id":"12153180","_score":23.755634,"_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 <em>Metro</em> 2 <em>compliance</em> violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being <em>reported</em> in full <em>compliance</em> with <em>Metro</em> 2 data <em>formatting</em> standards, which means they must be removed immediately <em>under</em> FCRA laws.\n\nI have attached <em>Metro</em> 2 <em>Compliance</em> Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[23.755634,"12153180"]},{"_index":"complaint-public-v1","_id":"12153177","_score":23.755634,"_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 <em>Metro</em> 2 <em>compliance</em> violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being <em>reported</em> in full <em>compliance</em> with <em>Metro</em> 2 data <em>formatting</em> standards, which means they must be removed immediately <em>under</em> FCRA laws.\n\nI have attached <em>Metro</em> 2 <em>Compliance</em> Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[23.755634,"12153177"]},{"_index":"complaint-public-v1","_id":"12152678","_score":23.737411,"_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 <em>Metro</em> 2 <em>compliance</em> violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being <em>reported</em> in full <em>compliance</em> with <em>Metro</em> 2 data <em>formatting</em> standards, which means they must be removed immediately <em>under</em> FCRA laws.\n\nI have attached <em>Metro</em> 2 <em>Compliance</em> Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[23.737411,"12152678"]},{"_index":"complaint-public-v1","_id":"17116390","_score":23.608042,"_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":["XXXX  XXXX Account # XXXX Specifically - Failure to <em>report</em> the required <em>Compliance</em> Condition Code XB while account is <em>under</em> active consumer dispute - FCRA <em>Compliance</em> / Date of First Delinquency DOFD <em>Metro</em> 2 ( Base 25 ) <em>compliance</em> violation - The Account Status <em>Metro</em> 2 ( Base/17A ) <em>compliance</em> violation - Terms Duration <em>Metro</em> 2 ( Base/13 ) <em>compliance</em> violation - Portfolio Type <em>Metro</em> 2 ( Base/9 ) <em>compliance</em> violation - Date Open <em>Metro</em> 2 ( Base/10 ) <em>compliance</em> violation - Portfolio Type <em>Metro</em> 2 ( Base"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[23.608042,"17116390"]},{"_index":"complaint-public-v1","_id":"16602938","_score":23.580269,"_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":["This request is also in reference to <em>compliance</em> with <em>Metro</em> 2 data <em>reporting</em> 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 <em>report</em>. Which strongly suggests non-<em>compliance</em> and data inconsistency, violating <em>Metro</em> 2 <em>formatting</em> and FCRA requirements for accurate, consistent, and verifiable <em>reporting</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.580269,"16602938"]},{"_index":"complaint-public-v1","_id":"13241034","_score":23.560183,"_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 <em>compliance</em> with the XXXX XXXX XXXX XXXX ( XXXX ) <em>Metro</em> 2 <em>Format</em> requirements in several critical aspects of my credit <em>report</em>.\n\nSECTION I : IDENTIFICATION OF <em>METRO</em> 2 <em>FORMAT</em> STATIC FIELD VIOLATIONS The <em>Metro</em> 2 <em>Format</em> requires specific static data elements to remain consistent throughout the credit <em>reporting</em> process."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[23.560183,"13241034"]},{"_index":"complaint-public-v1","_id":"10567922","_score":23.52272,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX, Nc, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Metro 2 Compliance Investigation Request and Dispute of Inaccurate Account Information Dear Experian, I am writing to formally dispute the accuracy of the following account information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question does not comply with the required Metro 2 reporting format, and I request a thorough investigation into its accuracy : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, balance of {$1300.00} written off Credit Limit : {$1000.00} Highest Balance : {$1300.00} Balance as of XX/XX/XXXX : {$1300.00} Upon reviewing my credit report, I believe this account information contains inaccuracies that need to be corrected under the Metro 2 format for accurate reporting. Specifically, I am challenging the following aspects of this accounts reporting : 1. Charged-Off Status : The status indicates a charge-off, but the information does not reflect whether the account has been verified under the correct Metro 2 guidelines , including correct data points like the Account Status and Payment History.\n\n2. Balance Discrepancies : The balance has been written off as {$1300.00} but still reflects an outstanding balance. There appears to be inconsistency in how this has been reported under the \" charged off '' and \" written off '' statuses, which must be clearly stated and resolved. \n3. Compliance with Metro 2 Standards : I request an investigation to confirm whether the reported data fields such as Account Status, Payment Rating, Payment History Profile, and Balance History are in full compliance with Metro 2 format, as required under FCRA and the Credit Reporting Resource Guide ( CRRG ).\n\nI kindly request that you conduct a thorough investigation of this account and ensure all data fields comply with the Metro 2 format. If any inaccuracies or non-compliance with reporting standards are found, I request that the information be corrected or removed from my credit report. \nI have attached a copy of my credit report with the disputed account highlighted for your reference. \nThank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-24T10:28:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28208","tags":null,"has_narrative":true,"complaint_id":"10567922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-24T10:03:36.000Z","state":"NC","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":["to be corrected <em>under</em> the <em>Metro</em> 2 <em>format</em> for accurate <em>reporting</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.52272,"10567922"]},{"_index":"complaint-public-v1","_id":"10570260","_score":23.464544,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX, Nc, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Metro 2 Compliance Investigation Request and Dispute of Inaccurate Account Information Dear XXXX, I am writing to formally dispute the accuracy of the following account information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question does not comply with the required Metro 2 reporting format, and I request a thorough investigation into its accuracy : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, balance of {$1300.00} written off Credit Limit : {$1000.00} Highest Balance : {$1300.00} Balance as of XX/XX/XXXX : {$1300.00} Upon reviewing my credit report, I believe this account information contains inaccuracies that need to be corrected under the Metro 2 format for accurate reporting. Specifically, I am challenging the following aspects of this accounts reporting : 1. Charged-Off Status : The status indicates a charge-off, but the information does not reflect whether the account has been verified under the correct Metro 2 guidelines , including correct data points like the Account Status and Payment History.\n\n2. Balance Discrepancies : The balance has been written off as {$1300.00} but still reflects an outstanding balance. There appears to be inconsistency in how this has been reported under the \" charged off '' and \" written off '' statuses, which must be clearly stated and resolved. \n3. Compliance with Metro 2 Standards : I request an investigation to confirm whether the reported data fields such as Account Status, Payment Rating, Payment History Profile, and Balance History are in full compliance with Metro 2 format, as required under FCRA and the Credit Reporting Resource Guide ( CRRG ).\n\nI kindly request that you conduct a thorough investigation of this account and ensure all data fields comply with the Metro 2 format. If any inaccuracies or non-compliance with reporting standards are found, I request that the information be corrected or removed from my credit report. \nI have attached a copy of my credit report with the disputed account highlighted for your reference. \nThank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-24T10:29:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28208","tags":null,"has_narrative":true,"complaint_id":"10570260","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-24T10:29:02.000Z","state":"NC","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":["need to be corrected <em>under</em> the <em>Metro</em> 2 <em>format</em> for accurate <em>reporting</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.464544,"10570260"]},{"_index":"complaint-public-v1","_id":"10567833","_score":23.464544,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX, Nc, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Metro 2 Compliance Investigation Request and Dispute of Inaccurate Account Information Dear XXXX, I am writing to formally dispute the accuracy of the following account information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question does not comply with the required Metro 2 reporting format, and I request a thorough investigation into its accuracy : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, balance of {$1300.00} written off Credit Limit : {$1000.00} Highest Balance : {$1300.00} Balance as of XX/XX/XXXX : {$1300.00} Upon reviewing my credit report, I believe this account information contains inaccuracies that need to be corrected under the Metro 2 format for accurate reporting. Specifically, I am challenging the following aspects of this accounts reporting : 1. Charged-Off Status : The status indicates a charge-off, but the information does not reflect whether the account has been verified under the correct Metro 2 guidelines , including correct data points like the Account Status and Payment History.\n\n2. Balance Discrepancies : The balance has been written off as {$1300.00} but still reflects an outstanding balance. There appears to be inconsistency in how this has been reported under the \" charged off '' and \" written off '' statuses, which must be clearly stated and resolved.\n\n3. Compliance with Metro 2 Standards : I request an investigation to confirm whether the reported data fields such as Account Status, Payment Rating, Payment History Profile, and Balance History are in full compliance with Metro 2 format, as required under FCRA and the Credit Reporting Resource Guide ( CRRG ).\n\nI kindly request that you conduct a thorough investigation of this account and ensure all data fields comply with the Metro 2 format. If any inaccuracies or non-compliance with reporting standards are found, I request that the information be corrected or removed from my credit report.\n\nI have attached a copy of my credit report with the disputed account highlighted for your reference.\n\nThank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-24T10:29:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28208","tags":null,"has_narrative":true,"complaint_id":"10567833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-24T10:29:02.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["that need to be corrected <em>under</em> the <em>Metro</em> 2 <em>format</em> for accurate <em>reporting</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.464544,"10567833"]},{"_index":"complaint-public-v1","_id":"8824322","_score":23.300457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Deletion of Payment History Including Metro 2 Under 15 USC 1681e Dear XXXX, I am writing to formally request the deletion of certain payment history entries, including those reported through the Metro 2 format, from my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681e.\n\nXXXX XXXX XXXX  Upon reviewing my credit report, I have identified discrepancies in the payment history associated with my accounts. It has come to my attention that some of these entries, particularly those reported using the Metro 2 format, are inaccurate and do not reflect my true creditworthiness.\n\nAs per 15 USC 1681e of the FCRA, I request that you conduct a thorough investigation into the accuracy of the payment history entries reported through the Metro 2 format. Any entries found to be inaccurate, incomplete, or not verifiable should be promptly deleted from my credit report.\n\nI understand that the Metro 2 format is utilized for standardized credit reporting, and therefore, I urge you to ensure that all information reported in this format complies with the FCRA and accurately reflects my credit history. \n\nFurthermore, I request that you provide me with a written explanation of the results of your investigation and any actions taken as a result. Additionally, I would appreciate receiving an updated copy of my credit report reflecting the deletions made after the completion of your investigation. \n\nThank you for your attention to this matter. I trust that you will handle this request promptly and in compliance with the FCRA. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above.","date_sent_to_company":"2024-04-21T11:38:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"8824322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-21T11:33:18.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Request for Deletion of Payment History Including <em>Metro</em> 2 <em>Under</em> 15 USC 1681e Dear XXXX, I am writing to formally request the deletion of certain payment history entries, including those <em>reported</em> through the <em>Metro</em> 2 <em>format</em>, from my credit <em>report</em> in accordance with the provisions outlined in the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically <em>under</em> Section 15 USC 1681e."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[23.300457,"8824322"]},{"_index":"complaint-public-v1","_id":"12914602","_score":23.237068,"_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":["This violates : FCRA Section 607 ( b ) : Requires consumer <em>reporting</em> agencies to follow reasonable procedures to assure maximum possible accuracy of the information <em>Metro</em> 2 <em>Format</em> requirements : Mandates standardized <em>reporting</em> of payment history data ECOA <em>compliance</em> standards : Requires accurate <em>reporting</em> of credit information This discrepancy suggests either : Missing data that should have been <em>reported</em> Improper <em>formatting</em> of available data Failure to accurately process or display existing payment"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.237068,"12914602"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2927,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2927}]}},"product":{"doc_count":2927,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2538,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2526},{"key":"Other personal consumer report","doc_count":12}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":318,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":317},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":54,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":29},{"key":"Credit card debt","doc_count":12},{"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":1}]}},{"key":"Student loan","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":8}]}},{"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":4,"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":4}]}}]}},"issue":{"doc_count":2927,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":1356,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":873},{"key":"Account information incorrect","doc_count":223},{"key":"Account status incorrect","doc_count":136},{"key":"Personal information incorrect","doc_count":59},{"key":"Public record information inaccurate","doc_count":37},{"key":"Information is missing that should be on the report","doc_count":15},{"key":"Old information reappears or never goes away","doc_count":12},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":721,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":634},{"key":"Credit inquiries on your report that you don't recognize","doc_count":63},{"key":"Report provided to employer without your written authorization","doc_count":24}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":657,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":602},{"key":"Investigation took more than 30 days","doc_count":29},{"key":"Was not notified of investigation status or results","doc_count":13},{"key":"Problem with personal statement of dispute","doc_count":10},{"key":"Difficulty submitting a dispute or getting 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