{"took":129,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":443,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17116390","_score":25.507456,"_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 report the required <em>Compliance</em> Condition Code XB while account is under active consumer dispute - FCRA <em>Compliance</em> / Date of First Delinquency DOFD <em>Metro</em> 2 ( <em>Base</em> 25 ) <em>compliance</em> <em>violation</em> - The Account Status <em>Metro</em> 2 ( <em>Base</em>/17A ) <em>compliance</em> <em>violation</em> - Terms Duration <em>Metro</em> 2 ( <em>Base</em>/13 ) <em>compliance</em> <em>violation</em> - Portfolio Type <em>Metro</em> 2 ( <em>Base</em>/9 ) <em>compliance</em> <em>violation</em> - Date <em>Open</em> <em>Metro</em> 2 ( <em>Base</em>/10 ) <em>compliance</em> <em>violation</em> - Portfolio Type <em>Metro</em> 2 ( <em>Base</em>"]},"sort":[25.507456,"17116390"]},{"_index":"complaint-public-v1","_id":"16602723","_score":25.20175,"_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 report the required <em>Compliance</em> Condition Code XXXX  while account is under active consumer dispute - FCRA <em>Compliance</em> / Date of First Delinquency DOFD <em>Metro</em> 2 ( <em>Base</em> XXXX ) <em>compliance</em> <em>violation</em> - Portfolio Type <em>Metro</em> 2 ( <em>Base</em> XXXX ) <em>compliance</em> <em>violation</em> - Date <em>Open</em> <em>Metro</em> 2 ( <em>Base</em> XXXX ) <em>compliance</em> <em>violation</em> - Payment History Profile <em>Metro</em> 2 ( Field XXXX ) <em>compliance</em> <em>violation</em> - The Account Status <em>Metro</em> 2 <em>Base</em> XXXX <em>compliance</em> <em>violation</em> - Current"]},"sort":[25.20175,"16602723"]},{"_index":"complaint-public-v1","_id":"16602938","_score":24.842241,"_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":["First Delinquency DOFD <em>Metro</em> 2 ( <em>Base</em> XXXX ) <em>compliance</em> <em>violation</em> - Portfolio Type <em>Metro</em> 2 ( <em>Base</em> XXXX ) <em>compliance</em> <em>violation</em> - Date <em>Open</em> <em>Metro</em> XXXX ( <em>Base</em> XXXX ) <em>compliance</em> <em>violation</em> - Payment History Profile <em>Metro</em> 2 ( Field XXXX ) <em>compliance</em> <em>violation</em> - The Account Status XXXX XXXX <em>Base</em> XXXX <em>compliance</em> <em>violation</em> - Current Balance <em>Metro</em> 2 <em>Base</em> XXXX <em>compliance</em> <em>violation</em> - ECOA Code XXXX XXXX & XXXX - Last Payment Date <em>Metro</em> 2 <em>Base</em> XXXX XXXX <em>violation</em> - Special Comment <em>Metro</em> 2 <em>Base</em> XXXX XXXX <em>violation</em>"]},"sort":[24.842241,"16602938"]},{"_index":"complaint-public-v1","_id":"10632331","_score":20.382309,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus. \n\nAccording to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the XXXX Court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. \n\nAccount name ADS/COMENITY/VICTORIA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open. \nStatus updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$550.00} Highest balance {$140.00} Terms - Payment history Late payment XX/XX/XXXX, XX/XX/XXXX Report Number XXXX false reporting ... i was never late and the representative told me on the recorded phone line that the account will be updated immediately. \n\nViolations of Metro 2 Compliance Standards Under the Metro 2 compliance standards, established by the XXXX XXXX XXXX XXXX ( XXXX ), XXXX Funding is required to report information accurately, consistently, and in compliance with consumer protection guidelines. This account has been inaccurately reported and has violated several Metro 2 codes as outlined below : Metro 2 Compliance Incorrect Account Status and Balance Reporting Violation of Compliance Code ( Base Segment Account Status ) : Metro 2 standards require that the Account Status Code accurately reflect the current status of the debt, including any charge-off, paid, or zero balance if canceled. As the balance and past-due amounts of {$38000.00} remain on record without validation, this reporting fails Metro 2 standards.\n\nMetro 2 Compliance Code for Base Segment ( Field 17 Account Status Code ) requires that the status accurately reflects the true condition of the account. Reporting a balance that is potentially inaccurate and unverifiable violates this compliance. \nNotice of Demand for Deletion and Intent to Seek Statutory Damages XXXX Fundings repeated failure to meet Metro 2 compliance standards, the FDCPA, and federal privacy regulations has caused substantial financial and emotional harm. This letter serves as a formal demand for the immediate deletion of this account from my credit report. Failure to comply will result in legal action, including arbitration, to pursue statutory damages as outlined below : FDCPA Statutory Damages : {$1000.00} Privacy Invasion and Data Misuse Damages : {$5000.00} Additional Damages for Emotional and Financial Harm : {$3000.00} Total Damages Sought : {$9000.00} Opt-Out of Information Sharing In accordance with 15 U.S.C. 6802, I am opting out of any further sharing of my personal information, including my Social Security Number, and demand that XXXX XXXX ceases all reporting activity associated with this unauthorized and inaccurate account. Your continued reporting is an actionable breach of my rights.","date_sent_to_company":"2024-10-30T19:54:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"10632331","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-10-30T19:25:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This account has been inaccurately reported and has <em>violated</em> several <em>Metro</em> 2 codes as outlined below : <em>Metro</em> 2 <em>Compliance</em> Incorrect Account Status and Balance Reporting <em>Violation</em> of <em>Compliance</em> Code ( <em>Base</em> Segment Account Status ) : <em>Metro</em> 2 standards require that the Account Status Code accurately reflect the current status of the debt, including any charge-off, paid, or zero balance if canceled."]},"sort":[20.382309,"10632331"]},{"_index":"complaint-public-v1","_id":"13409639","_score":20.21019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SUMMARY OF DISPUTES AND METRO 2 COMPLIANCE VIOLATIONS EXPERIAN IS REPORTING ON MY CONSUMER FILE.\n\nNATIONAL CREDIT SYSTEM REPORTING IDENTICAL COLLECTION DATA ACROSS ALL THREE BUREAUS WITH INCONSISTENT PAYMENT STATUSES AND REPORT DATES. NO DATE OF FIRST DELINQUENCY ( DOFD ) IS PROVIDED. METRO 2 REQUIRES CONSISTENCY AND COMPLETE BASE SEGMENT REPORTING. \n\nXXXX XXXX BANK XXXX ( XXXX ) REPORTS A PAST DUE BALANCE ON A CLOSED ACCOUNT, WHICH IS A VIOLATION OF METRO 2 STANDARDS THAT REQUIRE CLOSED ACCOUNTS TO SHOW A {$0.00} PAST DUE. \n\nPORTFOLIO RECOVERY ASSOCIATES ACCOUNT SHOWS OPEN STATUS WITHOUT MONTHLY PAYMENT DETAILS AND MISSING DOFD. METRO 2 REQUIRES THIS INFORMATION FOR COLLECTION AND CHARGE-OFF ACCOUNTS. \n\nXXXX REPORTED A CHARGE-OFF WITHOUT DOFD OR CONSISTENT STATUS CODING. CHARGE-OFF ACCOUNTS MUST FOLLOW METRO 2 BASE SEGMENT RULES. \n\nXXXX XXXX BANK REPORTS DELINQUENCIES IN A SEQUENCE THAT IS INCONSISTENT WITH PAYMENT HISTORY. THIS VIOLATES THE CONSUMER INFORMATION INDICATOR ( FIELD XXXX ) UNDER METRO 2. \n\nXXXX XXXX XXXX INCONSISTENT DATE OF LAST ACTIVITY AND MISSING DOFD. THE ACCOUNT IS LISTED AS A CHARGE-OFF WITHOUT A VALID CLOSURE STATUS. \n\nXXXX XXXX XXXX ILLEGALLY RE-AGED THE DEBT BY RESETTING DATE LAST ACTIVE WITHOUT NEW PAYMENT ACTIVITY, WHICH IS A DIRECT VIOLATION OF METRO 2 AND FCRA 623 ( A ) ( 5 ). \n\nXXXX CLOSED ACCOUNT IS REPORTING A BALANCE AND PAST DUE AMOUNT. CLOSED ACCOUNTS MUST REPORT {$0.00} BALANCE AND {$0.00} PAST DUE UNDER METRO 2 STANDARDS. \n\nXXXX XXXX XXXX XXXX NO DOFD PROVIDED AND COLLECTION BALANCE IS BEING REPORTED AS DISPUTED WITHOUT COMPLIANCE FOLLOW-UP. THIS VIOLATES FCRA 611 AND METRO 2 DISPUTE REPORTING RULES. \n\nXXXX XXXX XXXX DUPLICATE ACCOUNT REPORTING FOR THE SAME ORIGINAL CREDITOR UNDER DIFFERENT ACCOUNT NUMBERS. INCONSISTENT DATES, BALANCES, AND STATUS FIELDS VIOLATE THE REQUIREMENT FOR MAXIMUM POSSIBLE ACCURACY. \n\nACTION REQUESTED : IMMEDIATELY DELETE OR CORRECT THE ABOVE-MENTIONED ACCOUNTS. \n\nPROVIDE FULL DOCUMENTATION INCLUDING : PROOF OF DEBT VALIDATION DATE OF FIRST DELINQUENCY ( DOFD ) ACCOUNT VERIFICATION CHARGE-OFF OR COLLECTION NOTICES XXXXDAY PRIOR COMMUNICATION RECORDS REQUIRED UNDER 15 U.S.C. XXXX AND XXXX IF THESE ACCOUNTS ARE NOT CORRECTED OR DELETED WITHIN XXXX DAYS, I WILL FILE COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), THE MARYLAND ATTORNEY GENERAL, AND CONSIDER LEGAL ACTION FOR WILLFUL NONCOMPLIANCE AND DAMAGE TO MY CREDITWORTHINESS.","date_sent_to_company":"2025-05-08T04:06:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"13409639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-08T04:01:19.000Z","state":"MD","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":["SUMMARY OF DISPUTES AND <em>METRO</em> 2 <em>COMPLIANCE</em> <em>VIOLATIONS</em> EXPERIAN IS REPORTING ON MY CONSUMER FILE.\n\nNATIONAL CREDIT SYSTEM REPORTING IDENTICAL COLLECTION DATA ACROSS ALL THREE BUREAUS WITH INCONSISTENT PAYMENT STATUSES AND REPORT DATES. NO DATE OF FIRST DELINQUENCY ( DOFD ) IS PROVIDED. <em>METRO</em> 2 REQUIRES CONSISTENCY AND COMPLETE <em>BASE</em> SEGMENT REPORTING."]},"sort":[20.21019,"13409639"]},{"_index":"complaint-public-v1","_id":"13569959","_score":19.544235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and inconsistent information reported on my credit file regarding the following account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Status : Too new to rate ; Approved but not used ( Reported XX/XX/XXXX ) Basis for Dispute Upon reviewing my credit report, I have identified several inaccuracies and reporting violations based on Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ), including : Incorrect Account Status : The account status is reported as Too new to rate ; Approved but not used, despite the account being opened in XXXX, having two late payments reported ( 30 and 60 days late in XXXX ), and being closed with a XXXX balance paid by collateral in XXXX. Metro 2 reporting standards require that furnishers report accurate, current status codes reflecting the true account condition such as Closed, Paid. This misrepresentation violates both Metro 2 compliance and FCRA accuracy requirements.\n\nIncomplete Payment Terms\nReporting : The account shows missing or incomplete monthly payment terms, which Metro 2 guidelines require for installment accounts to ensure completeness of data.\n\nPotential Misleading Remarks : The comment PAID BY COLLATERAL should not be overshadowed by an inaccurate status. The overall reporting is inconsistent and confusing, impacting my creditworthiness unfairly.\n\nRequested Resolution I request that the credit bureaus : Investigate and correct the account status to accurately reflect the true condition preferably Closed, Paid or a Metro 2 compliant equivalent.\n\nUpdate the payment terms and monthly payment fields to comply with Metro 2 standards. \nMaintain the comment PAID BY COLLATERAL as applicable. \nIf XXXX XXXX  or the furnisher can not verify and correct this information in full compliance with Metro 2 and FCRA, I request that this tradeline be removed entirely from my credit report.\n\nThank you for your prompt attention to this serious matter.","date_sent_to_company":"2025-05-17T19:27:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92626","tags":null,"has_narrative":true,"complaint_id":"13569959","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-17T19:18:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally dispute inaccurate and inconsistent information reported on my credit file regarding the following account : Creditor Name : XXXX XXXX Account Number : XXXX Date <em>Opened</em> : XX/XX/XXXX Current Status : Too new to rate ; Approved but not used ( Reported XX/XX/XXXX ) Basis for Dispute Upon reviewing my credit report, I have identified several inaccuracies and reporting <em>violations</em> <em>based</em> on <em>Metro</em> 2 guidelines and the Fair Credit Reporting Act ( FCRA ), including : Incorrect Account"]},"sort":[19.544235,"13569959"]},{"_index":"complaint-public-v1","_id":"12999633","_score":19.318872,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPLAINT TO TRANSUNION VIA THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX LA XXXX Date : XX/XX/XXXX To : TransUnion Consumer RelationsVia : XXXXonsumer Financial Protection BureauXXXX. XXXX XXXX XXXX, IA XXXX RE : URGENT - Metro 2 Format Violations & Fair Credit Reporting Abuses by XXXX  ( Account Last Reported XX/XX/XXXX ) To Whom It May Concern : I am filing this formal complaint to document critical and willful violations of credit reporting standards by XXXX. My comprehensive review has identified egregious technical violations of Metro 2 Format requirements that demonstrate a pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Consumer Reporting Resource Guide ( CRRG ) standards. These violations constitute UNFAIR and DECEPTIVE practices that have materially damaged my credit profile, caused demonstrable harm, and systematically impeded my federally protected consumer rights. \nAccount Details ( Per Credit Report ) Collection Agency : XXXX Alleged Original Creditor : XXXX ( Same entity improperly listed twice ) Account Balance : {$1000.00} Account Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Open/Placed for collection Consumer Dispute Status : Account information disputed by consumer ( Duplicated ) Specific Technical Metro 2 Format Violations Metro 2 Base Segment Violations 1. Segment Identifier Error ( Field 1 ) : XXXX has improperly coded the Base Segment Identifier by duplicating itself as both creditor and collection agency, violating Field XXXX technical specifications. \n2. Consumer Account Number ( XXXX XXXX  ) : The account identifiers are inconsistently applied between segments, evidenced by duplicate dispute reporting. \nXXXX. XXXX XXXX ( XXXX XXXX ) : No proper designation as specified in Metro 2 format requirements. \n4. Account Type ( XXXX XXXX ) : Completely missing value ( displayed as ), a critical mandatory field violation. \n5. Consumer Information Indicator ( XXXX XXXX ) : Improper coding as evidenced by the duplicate dispute remarks. \n6. Account XXXX ( XXXX XXXX ) : Incorrect status coding for an account under active dispute. \n7. Payment History Profile ( XXXX XXXX ) : Timeline inconsistencies suggesting improper retroactive reporting. \n8. Special Comment ( XXXX XXXX  ) : Failure to properly code disputed account status. \n9. Compliance Condition ( XXXX XXXX ) : Missing appropriate FCRA compliance codes. \n10. ECOA Code ( XXXX XXXX ) : Improperly coded during disputed status, violating ECOA requirements. \nAssociated Consumer Segment Violations 1. Consumer Dispute Information ( XXXX XXXXXXXX ) : Critical duplicate coding of disputed status demonstrates systemic Metro 2 formatting failures. \nXXXX XXXX XXXXt Relationship Error : XXXX has failed to properly distinguish collection agency vs. original creditor roles in the required XXXX segments. \nFCRA Section 605 ( a ) ( 5 ) Violations The account appears potentially re-aged based on date inconsistencies, potentially violating the 7-year reporting limitation. This constitutes a direct violation of Section 605 ( a ) ( 5 ) of the FCRA and demonstrates willful non-compliance.\n\nTechnical Access Barrier Evidence The persistent 411 Loading error preventing access to my account demonstrates systematic technological barriers to my federally protected rights to access and dispute information ( FCRA Section 609 ).\n\nFairness Impact Statement The technical violations detailed above demonstrate a pattern of unfair practices that directly harm me as a consumer in the following specific ways : 1. Credit Score Damage : These Metro 2 format violations have caused artificial reduction in my credit score through improper coding and duplicate negative reporting. \n2. Economic Hardship : These inaccuracies have directly resulted in denial of credit, increased interest rates, and reduced financial opportunities, causing quantifiable economic harm.\n\n3. Psychological Impact : The frustration and anxiety caused by being unable to access my own information ( 411 Loading error ) while negative information remains on my report constitutes emotional distress. \n4. Time Burden : I have spent countless hours attempting to resolve these issues, constituting a significant opportunity cost. \n5. Dispute Access Denial : The technical barriers prevent me from exercising my federally protected right to dispute inaccurate information.\n\nRequested Relief Based on the detailed technical Metro 2 format violations outlined above, I request the following specific remedies : 1. Immediate Removal : Complete deletion of the XXXX tradeline due to critical Metro 2 format violations rendering the entire reporting invalid. \n2. Statutory Damages : Payment of {$1000.00} per violation as provided under FCRA Section 616 for willful noncompliance, totaling {$10000.00} for the ten specific Metro 2 Format violations enumerated above. \n3. Civil Penalty Assessment : Investigation into pattern and practice violations under CFPB authority to assess civil penalties for willful non-compliance with XXXXetro 2 standards.\n\n4. Technical Compliance Audit : Full examination of XXXX Metro 2 compliance procedures and systems to identify systemic failures. \nXXXX. Restitution : Compensation for credit score damage, application denials, and increased interest costs directly resulting from these violations. \n6. Injunctive Relief : Order requiring XXXX to immediately fix technical barriers preventing account access. \nI have documented evidence of all violations cited, including screenshots of my credit report and the 411 Loading technical error. I stand ready to provide additional documentation supporting these claims.\n\nThe combination of technical Metro 2 violations, inaccurate reporting, and access barriers demonstrates a systematic disregard for consumer protection regulations that merits immediate and decisive enforcement action. \nRespectfully submitted, XXXX XXXX Enclosures : Credit report dated XX/XX/XXXX showing Metro 2 format violations Screenshots of 411 Loading technical access barrier Account statements showing dispute history cc : Federal Trade Commission ( FTC ) - Bureau of Consumer Protection National Credit Reporting Agencies ( XXXXXXXX XXXX, TransUnion ) Consumer Data Industry Association ( CDIA )- Metro 2 Format Standards Committee","date_sent_to_company":"2025-04-16T09:37:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12999633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T09:28:57.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Account Details ( Per Credit Report ) Collection Agency : XXXX Alleged Original Creditor : XXXX ( Same entity improperly listed twice ) Account Balance : {$1000.00} Account <em>Opened</em> : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : <em>Open</em>/Placed for collection Consumer Dispute Status : Account information disputed by consumer ( Duplicated ) Specific Technical <em>Metro</em> 2 Format <em>Violations</em> <em>Metro</em> 2 <em>Base</em> Segment <em>Violations</em> 1."]},"sort":[19.318872,"12999633"]},{"_index":"complaint-public-v1","_id":"15647803","_score":19.160395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Inaccurate Credit Information and Demand for Metro 2 Compliance Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to dispute inaccurate and incomplete information on my credit report, which jeopardizes my right to a fair and accurate credit profile. These errors violate the FCRAs mandate for maximum possible accuracy ( 607 ( b ) ) and the data furnishers obligation to provide complete and accurate information ( 623 ( a ) ( 1 ) ( A ) ). Additionally, I demand compliance with the Metro 2 Credit Reporting Resource Guide ( CRRG ) standards to ensure the integrity of my credit file. \n\nThe following account ( s ) contain errors that compromise the fairness and accuracy of my credit report, potentially jeopardizing my financial opportunities and reputation : Disputed Account ( s ) and Metro 2 Violations : Account : [ e.g.XXXX XXXX, Account # XXXX ] Status : [ e.g., Charged off as bad debt ] Violations : Field Integrity Violation ( Segment Field XXXX ) : The account name [ e.g., XXXX ] is corrupted or unintelligible, undermining the Metro 2 requirement for accurate and readable account identification. This error violates FCRA 607 ( b ), jeopardizing my right to a fair credit report. \n\nIncomplete Payment History ( Base Segment ) : The absence of payment history, reported as No payment history available to display, violates Metro 2s requirement for complete historical reporting when available, breaching FCRA 623 ( a ) ( 1 ) ( A ). \n\nData Inconsistency ( XXXX XXXX ) : The original creditor field, listed as - instead of a valid name, fails to meet Metro 2 standards for accurate reporting of sold or transferred accounts, further compromising fairness.\n\nRequested Action : Correct the account name to reflect the true creditor, furnish a complete payment history, and update the original creditor field to ensure compliance with Metro 2 and FCRA standards. \n\nAccount : [ e.g., XXXX XXXX XXXX, Account # XXXX ] Status : [ e.g., Paid or paying as agreed ] Violations : Payment History Data Quality ( XXXX XXXX ) : The reporting of Data Unavailable for multiple months violates Metro 2s data completeness standards, kindizing the accuracy of my credit profile under FCRA 607 ( b ). \n\nStatus Classification Inconsistency : The account is reported as Paid or paying as agreed despite a {$0.00} balance and a last payment in [ e.g., XX/XX/XXXX ], which should reflect Closed/Paid per Metro 2 Account Status Code requirements. This misrepresentation kindizes fair credit evaluations. \n\nRequested Action : Provide a complete payment history and amend the account status to Closed/Paid to restore fairness and compliance. \n\nAccount : XXXX, Account # XXXX ( Installment Account ) Status : Paid or paying as agreed Violations : Severe Account Name Corruption ( Segment Field XXXX ) : The account name XXXX is corrupted or truncated, violating Metro 2s requirement for accurate and readable account identification. This error undermines FCRA 607 ( b ), kindizing a fair representation of my credit history. \n\nAccount Number Format Violation : The account number XXXX appears artificially masked or corrupted, failing to meet Metro 2s Consumer Account Number field integrity standards.\n\nTimeline Inconsistency : The last payment date ( XX/XX/XXXX ) conflicts with account closure and balance update dates, violating Metro 2s temporal data consistency requirements and FCRA 607 ( b ).\n\nRequested Action : Correct the account name and number to reflect accurate creditor information, resolve the timeline inconsistencies, and ensure compliance with Metro 2 and FCRA standards. \n\nAccount : XXXX, Original Creditor : XXXX XXXX XXXX XXXX ( Collection Account ) Status : [ Not specified ; assumed disputed based on notation ] Violations : Missing Payment History ( Base Segment ) : The report states No payment history available to display, despite Metro 2 requiring collection accounts to report payment activity when available, violating FCRA 623 ( a ) ( 1 ) ( A ). This omission kindizes fair credit reporting. \n\nDisputed Account Notation : The account is marked Account information disputed by consumer without a resolution status, violating FCRA 623 ( a ) ( 8 ) and Metro 2s requirement for proper dispute resolution documentation. \n\nCollection Account Date Verification Issue : The date opened ( XX/XX/XXXX ) versus status updated ( XX/XX/XXXX ) shows a significant gap without documentation, potentially violating FCRA 605 ( c ) regarding statute of limitations and reporting periods. \n\nRequested Action : Provide complete payment history, update the dispute resolution status, and verify the reporting period to ensure compliance with Metro 2 and FCRA. If the account exceeds the permissible reporting period, remove it from my credit report. \n\nAccount : XXXX XXXX, Account # XXXX ( Revolving Account ) Status : 30 days past due Violations : Payment History Data Gaps ( Base Segment ) : Payment history includes Data Unavailable periods, violating Metro 2s requirement for complete historical data reporting and FCRA 607 ( b ), kindizing the accuracy of my credit profile. \n\nStatus vs. Balance Inconsistency : The account is reported as 30 days past due with a {$24.00} past due amount but a {$120.00} current balance, reflecting a mathematical inconsistency in Metro 2s Account Status and Balance fields. \n\nCredit Grantor Cancellation Note : The notation Canceled by credit grantor conflicts with the 30 days past due status, violating Metro 2s Account Status Code consistency requirements and kindizing fair reporting.\n\nRequested Action : Furnish complete payment history, correct the status and balance inconsistencies, and resolve the conflicting cancellation note to comply with Metro 2 and FCRA standards.","date_sent_to_company":"2025-09-02T00:30:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71457","tags":null,"has_narrative":true,"complaint_id":"15647803","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-02T00:07:23.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Account : XXXX, Original Creditor : XXXX XXXX XXXX XXXX ( Collection Account ) Status : [ Not specified ; assumed disputed <em>based</em> on notation ] <em>Violations</em> : Missing Payment History ( <em>Base</em> Segment ) : The report states No payment history available to display, despite <em>Metro</em> 2 requiring collection accounts to report payment activity when available, <em>violating</em> FCRA 623 ( a ) ( 1 ) ( A ). This omission kindizes fair credit reporting."]},"sort":[19.160395,"15647803"]},{"_index":"complaint-public-v1","_id":"16797089","_score":19.15693,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several items listed on my TransUnion credit report dated XX/XX/XXXX ( Report # : XXXX ). This dispute is filed under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and based on Metro 2 compliance standards.\n\nThe following item ( s ) are in violation and must be investigated, corrected, or removed : XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$440.00} Issue : Collection is reported as \" Open '' with a balance, violating Metro 2 guidelines which require XXXX balance on charged-off or collection accounts. \nNo \" Date of First Delinquency '' ( DOFD ) is reported, violating FCRA 605 ( a ) and Metro 2 field requirements.\n\nNo Consumer Information Indicator ( CII ) code 'XB ' is reflected, violating Metro 2 and FCRA 611 ( a ) ( 1 ) ( A ).\n\nPossible re-aging based on absence of DOFD. \nXXXX. Inquiries Not Tied to Positive Accounts XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These inquiries are not tied to any open or positive tradeline and must be deleted as they serve no permissible purpose under FCRA 604.\n\nI request deletion or correction of the above items per : FCRA 607 ( b ) : Maximum possible accuracy requirement.\n\nFCRA 611 ( a ) ( 5 ) : Deletion of unverifiable information.\n\nFCRA 611 ( a ) ( 1 ) : Right to reinvestigation.\n\nFDCPA 809 : Validation of debts.\n\nUCC Article 9 : Rights concerning collection and reporting of alleged debts. \nXXXX  XXXX TransUnion Data Breaches : Reasonable doubt as to data security and integrity.","date_sent_to_company":"2025-10-24T19:53:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11413","tags":null,"has_narrative":true,"complaint_id":"16797089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-24T19:50:39.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This dispute is filed under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and <em>based</em> on <em>Metro</em> 2 <em>compliance</em> standards.\n\nThe following item ( s ) are in <em>violation</em> and must be investigated, corrected, or removed : XXXX."]},"sort":[19.15693,"16797089"]},{"_index":"complaint-public-v1","_id":"14992218","_score":18.899008,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the accuracy, completeness, and reporting compliance of the following accounts under FCRA Sections 1681s-2 ( b ) and 605 ( a ) and requesting immediate removal per Metro 2 compliance : XXXX XXXX Acct Ending XXXX Reporting : Late 60 days, Charge-Off, Balance {$750.00} Violation : Account shows inconsistent late payment cycles not aligned with Metro 2 guidelines for time-based reporting sequences. \nDemand : Permanent deletion due to reporting of obsolete and unverifiable debt. \n\nXXXXXXXX XXXX XXXX  Acct XXXX XXXX Reporting : Charge-O\n\nff, 90150+ day late payments Violation : No validation of debt. The account is marked charged off while still showing ongoing balances, which violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Demand : Permanent deletion for misrepresentation of closed status and balance. \n\nXXXX Acct Ending XXXX Reporting : 60, 90, 120+ day late Violation : Payment status shows Open but 4 months of non-payment are reported while still accruing interest. \nDemand : Delete for failure to follow Metro 2 formatting and FCRA 623 ( a ) ( 1 ) ( B ) obligation of accuracy. \n\nINACCURATE PAYMENT HISTORIES & CONFLICTS : These items are materially misleading and damaging and must be permanently deleted to comply with FCRA 602 ( a ) and 607 ( b ). \n\nThis is my final notice for these items.","date_sent_to_company":"2025-07-31T21:20:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"14992218","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-31T21:20:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am formally disputing the accuracy, completeness, and reporting <em>compliance</em> of the following accounts under FCRA Sections 1681s-2 ( b ) and 605 ( a ) and requesting immediate removal per <em>Metro</em> 2 <em>compliance</em> : XXXX XXXX Acct Ending XXXX Reporting : Late 60 days, Charge-Off, Balance {$750.00} <em>Violation</em> : Account shows inconsistent late payment cycles not aligned with <em>Metro</em> 2 guidelines for time-<em>based</em> reporting sequences."]},"sort":[18.899008,"14992218"]},{"_index":"complaint-public-v1","_id":"14992797","_score":18.854982,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the accuracy, completeness, and reporting compliance of the following accounts under FCRA Sections 1681s-2 ( b ) and 605 ( a ) and requesting immediate removal per Metro 2 compliance : XXXX XXXX Acct Ending XXXX Reporting : Late 60 days, Charge-Off, Balance {$750.00} Violation : Account shows inconsistent late payment cycles not aligned with Metro 2 guidelines for time-based reporting sequences. \nDemand : Permanent deletion due to reporting of obsolete and unverifiable debt. \n\nXXXXXXXX XXXX XXXX  Acct XXXX XXXX Reporting : Charge-O\n\nff, 90150+ day late payments Violation : No validation of debt. The account is marked charged off while still showing ongoing balances, which violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Demand : Permanent deletion for misrepresentation of closed status and balance. \n\nXXXX Acct Ending XXXX Reporting : 60, 90, 120+ day late Violation : Payment status shows Open but 4 months of non-payment are reported while still accruing interest. \nDemand : Delete for failure to follow Metro 2 formatting and FCRA 623 ( a ) ( 1 ) ( B ) obligation of accuracy. \n\nINACCURATE PAYMENT HISTORIES & CONFLICTS : These items are materially misleading and damaging and must be permanently deleted to comply with FCRA 602 ( a ) and 607 ( b ). \n\nThis is my final notice for these items.","date_sent_to_company":"2025-07-31T21:20:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"14992797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-31T21:04:31.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am formally disputing the accuracy, completeness, and reporting <em>compliance</em> of the following accounts under FCRA Sections 1681s-2 ( b ) and 605 ( a ) and requesting immediate removal per <em>Metro</em> 2 <em>compliance</em> : XXXX XXXX Acct Ending XXXX Reporting : Late 60 days, Charge-Off, Balance {$750.00} <em>Violation</em> : Account shows inconsistent late payment cycles not aligned with <em>Metro</em> 2 guidelines for time-<em>based</em> reporting sequences."]},"sort":[18.854982,"14992797"]},{"_index":"complaint-public-v1","_id":"14992361","_score":18.854982,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the accuracy, completeness, and reporting compliance of the following accounts under FCRA Sections 1681s-2 ( b ) and 605 ( a ) and requesting immediate removal per Metro 2 compliance : XXXX XXXX Acct Ending XXXX Reporting : Late 60 days, Charge-Off, Balance {$750.00} Violation : Account shows inconsistent late payment cycles not aligned with Metro 2 guidelines for time-based reporting sequences. \nDemand : Permanent deletion due to reporting of obsolete and unverifiable debt. \n\nXXXXXXXX XXXX XXXX  Acct XXXX XXXX Reporting : Charge-O\n\nff, 90150+ day late payments Violation : No validation of debt. The account is marked charged off while still showing ongoing balances, which violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Demand : Permanent deletion for misrepresentation of closed status and balance. \n\nXXXX Acct Ending XXXX Reporting : 60, 90, 120+ day late Violation : Payment status shows Open but 4 months of non-payment are reported while still accruing interest. \nDemand : Delete for failure to follow Metro 2 formatting and FCRA 623 ( a ) ( 1 ) ( B ) obligation of accuracy. \n\nINACCURATE PAYMENT HISTORIES & CONFLICTS : These items are materially misleading and damaging and must be permanently deleted to comply with FCRA 602 ( a ) and 607 ( b ). \n\nThis is my final notice for these items.","date_sent_to_company":"2025-07-31T21:21:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"14992361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-31T21:20:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am formally disputing the accuracy, completeness, and reporting <em>compliance</em> of the following accounts under FCRA Sections 1681s-2 ( b ) and 605 ( a ) and requesting immediate removal per <em>Metro</em> 2 <em>compliance</em> : XXXX XXXX Acct Ending XXXX Reporting : Late 60 days, Charge-Off, Balance {$750.00} <em>Violation</em> : Account shows inconsistent late payment cycles not aligned with <em>Metro</em> 2 guidelines for time-<em>based</em> reporting sequences."]},"sort":[18.854982,"14992361"]},{"_index":"complaint-public-v1","_id":"16592348","_score":18.687452,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This serves as a formal dispute, reinvestigation demand, and notice of intent to sue under the Fair Credit Reporting Act ( FCRA ) and Metro-2 Compliance Reporting Standards. \nUpon review of my Equifax credit file, I discovered a XXXX / XXXX credit card account reported with a {$5000.00} limit. I did not authorize, apply for, or open this account. It is fraudulent. \nDespite my identity theft reports and documentation, Equifax verified this item as accurate, which is a direct violation of my consumer rights. Additionally, Equifaxs failure to safeguard personal information during known data breaches further establishes negligence in verifying consumer data. \nFCRA Violations 1. 602 Failure to ensure fair and accurate reporting.\n\n2. 605 ( b ) Failure to delete or correct inaccurate information within 5 business days.\n\n3. 605A Failure to apply heightened fraud alert protocols.\n\n4. 607 ( b ) Failure to maintain procedures for maximum accuracy.\n\n5. 611 ( a ) Failure to reinvestigate using original documentation.\n\n6. 609 ( a ) ( 2 ) Failure to provide complete method of verification.\n\n7. 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.\n\n8. 616617 Civil liability for willful and negligent non-compliance ( {$1000.00} per violation ).\n\nMetro-2 Compliance Violations 1. Base Segment Error Improper ECOA and ownership coding.\n\n2. Status Code Violation Fraudulent accounts must be reported as XB Consumer Claims Fraud.\n\n3. Date Mismatch Inconsistent open and last-update dates ( Fields 24 & 25 ).\n\n4. Missing Compliance Condition Code Required D or E condition code omitted.\n\n5. Failure to Suppress Unverified Data Unverified tradelines must be suppressed within 5 business days of dispute.\n\nProof of Fraud & Negligence - FTC Identity Theft Report # XXXX identifying XXXX XXXX XXXXXXXX as fraudulent. \n- Affidavit of Truth ( attached ). \n- Experian Report : XXXX account removed as fraudulent. \n- Identity IQ Report ID : Confirms fraudulent status. \n- Equifaxs prior data breach compromised personal data.\n\n- Equifax verified this item as accurate despite insufficient evidence.\n\nAffidavit of Truth Equifax XXXX Dispute I, XXXX XXXX, under penalty of perjury, declare : 1. I did not authorize or open the XXXX / XXXX account ( {$5000.00} limit ). \n2. This account is fraudulent and the result of identity theft.\n\n3. XXXX  has deleted this account as fraudulent.\n\n4. My Identity IQ Report ID confirms this account does not belong to me.\n\n5. Equifax verified the item without obtaining signed documentation.\n\n6. I demand immediate deletion within 5 business days per 605 ( b ). \n\nInvoice of Violations FCRA & Metro-2 Non-Compliance No. Violation Description Statute / Standard Penalty 1 Failure to maintain maximum accuracy FCRA 607 ( b ) {$1000.00} 2 Failure to reinvestigate properly FCRA 611 ( a ) {$1000.00} 3 Failure to delete inaccurate data within 5 days FCRA 605 ( b ) {$1000.00} 4 Failure to apply fraud alert procedures FCRA 605A {$1000.00} 5 Failure to provide method of verification FCRA 609 ( a ) ( 2 ) {$1000.00} 6 Reporting data known to be false FCRA 623 ( a ) ( 1 ) ( A ) {$1000.00} 7 Failure to suppress unverified data Metro-2 2.3.1 {$1000.00} 8 Incorrect status code ( should be XB ) Metro-2 Base Segment {$1000.00} 9 Failure to include compliance code D/E Metro-2 Field 50 {$1000.00} 10 Negligent verification after fraud notice FCRA 616617 {$1000.00} <b>Total Statutory Violations</b> <b> {$10000.00} USD</b>","date_sent_to_company":"2025-10-16T00:19:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"270XX","tags":null,"has_narrative":true,"complaint_id":"16592348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-15T23:59:55.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Metro</em>-2 2.3.1 {$1000.00} 8 Incorrect status code ( should be XB ) <em>Metro</em>-2 <em>Base</em> Segment {$1000.00} 9 Failure to include <em>compliance</em> code D/E <em>Metro</em>-2 Field 50 {$1000.00} 10 Negligent verification after fraud notice FCRA 616617 {$1000.00} <b>Total Statutory <em>Violations</em></b> <b> {$10000.00} USD</b>"]},"sort":[18.687452,"16592348"]},{"_index":"complaint-public-v1","_id":"14588033","_score":18.613134,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} OPENED XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, violating both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry compliance standards. I have already disputed these accounts directly with the credit bureaus and requested : The method of verification used to confirm the accuracy of each closed account Full Metro 2 compliance documentation, including : Correct date of first delinquency ( DOFD ) Base Segment integrity Proper condition codes Status and payment history blocks formatted per CDIA guidance Clarification on why these accounts are reporting with negative or outdated data despite being closed The credit bureaus have responded with a generic verified response and have failed to produce any documentation or proof required under FCRA 611 ( a ) and the Metro 2 Format Guide. Additionally, some accounts are reporting inconsistent data across the three bureaus ( i.e., different balances, dates, or statuses ), which is a direct sign of data integrity failure under Metro 2 and FCRA. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and launch an immediate reinvestigation. If the furnishers and credit bureaus can not verify these closed accounts with full Metro 2 formatting compliance and proper documentation, they must be permanently deleted from my credit report. I am attaching : A copy of my credit report showing the closed accounts in question Prior disputes submitted to the bureaus If the furnishers or CRAs fail to produce compliant records or Metro 2 formatting as required, I request full deletion of these unverifiable accounts under federal law. Thank you for your urgent attention.","date_sent_to_company":"2025-07-11T23:52:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29579","tags":null,"has_narrative":true,"complaint_id":"14588033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T23:39:15.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} <em>OPENED</em> XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, <em>violating</em> both the Fair Credit Reporting Act ( FCRA ) and <em>Metro</em> 2 industry <em>compliance</em> standards."]},"sort":[18.613134,"14588033"]},{"_index":"complaint-public-v1","_id":"14608979","_score":18.60699,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} OPENED XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, violating both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry compliance standards. I have already disputed these accounts directly with the credit bureaus and requested : The method of verification used to confirm the accuracy of each closed account Full Metro 2 compliance documentation, including : Correct date of first delinquency ( DOFD ) Base Segment integrity Proper condition codes Status and payment history blocks formatted per CDIA guidance Clarification on why these accounts are reporting with negative or outdated data despite being closed The credit bureaus have responded with a generic verified response and have failed to produce any documentation or proof required under FCRA 611 ( a ) and the Metro 2 Format Guide. Additionally, some accounts are reporting inconsistent data across the three bureaus ( i.e., different balances, dates, or statuses ), which is a direct sign of data integrity failure under Metro 2 and FCRA. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and launch an immediate reinvestigation. If the furnishers and credit bureaus can not verify these closed accounts with full Metro 2 formatting compliance and proper documentation, they must be permanently deleted from my credit report. I am attaching : A copy of my credit report showing the closed accounts in question Prior disputes submitted to the bureaus If the furnishers or CRAs fail to produce compliant records or Metro 2 formatting as required, I request full deletion of these unverifiable accounts under federal law. Thank you for your urgent attention.","date_sent_to_company":"2025-07-11T23:52:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29579","tags":null,"has_narrative":true,"complaint_id":"14608979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-11T23:51:50.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} <em>OPENED</em> XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, <em>violating</em> both the Fair Credit Reporting Act ( FCRA ) and <em>Metro</em> 2 industry <em>compliance</em> standards."]},"sort":[18.60699,"14608979"]},{"_index":"complaint-public-v1","_id":"14478891","_score":18.401096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint regarding an inaccurate and non-compliant collection account reported by XXXX XXXX XXXX on my Experian credit report. \n\nAfter submitting a dispute, Experian stated the item would remain and claimed the account meets Fair Credit Reporting standards. This is a false statement, as the account violates multiple provisions of the FCRA, FDCPA, and Metro 2 compliance guidelines, including : Re-Aging : The accounts Date Opened is listed as XX/XX/year>, despite the debt being originally charged off by XXXX  XXXX long before. This resets the aging clock, violating FCRA 605 ( a ) which limits reporting to 7 years from the original delinquencynot the date a debt buyer acquires it.\n\nIncorrect Account Type/Terms : The tradeline lists Terms : 1 Month, which is an inaccurate classification for a XXXX  XXXX revolving credit card. This violates Metro 2 field reporting standards and is considered a false representation under FDCPA 807 ( 2 ) ( A ). \n\nNo Original Contract Exists with XXXX XXXX : They are a third-party debt buyer, not the original lender. No legally binding contract exists between myself and XXXX. Therefore, they have no legal right to report : Past due balances Payment history Account status ( open/closed ) Inaccurate Payment History : A Collection entry was added as of XX/XX/year>XXXX  despite no payment activity, no consumer validation, and no new contractual agreement. \n\nBased on these facts, the account is ineligible to be reported at allnot due for correction, but for complete deletion. Experians reinvestigation failed to address these legal violations and relied solely on the furnishers unverifiable assertion of accuracy.\n\nOnce a Metro 2 or FCRA violation is confirmed, the law does not allow correctionit requires deletion. Experians continued reporting of this account violates FCRA 611, 607 ( b ), and Metro 2 compliance mandates.\n\nI am demanding : 1. Immediate and permanent deletion of this tradeline from my Experian credit file.\n\n2. An official correction to Experians claim that this account meets FCRA standards, as this is demonstrably false.\n\n3. An investigation into Experians reinvestigation procedures, which appear to be automated and not compliant with FCRA requirements for dispute resolution.","date_sent_to_company":"2025-07-06T03:30:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"14478891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-06T03:21:33.000Z","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":["This is a false statement, as the account <em>violates</em> multiple provisions of the FCRA, FDCPA, and <em>Metro</em> 2 <em>compliance</em> guidelines, including : Re-Aging : The accounts Date <em>Opened</em> is listed as XX/XX/year>, despite the debt being originally charged off by XXXX  XXXX long before. This resets the aging clock, <em>violating</em> FCRA 605 ( a ) which limits reporting to 7 years from the original delinquencynot the date a debt buyer acquires it."]},"sort":[18.401096,"14478891"]},{"_index":"complaint-public-v1","_id":"14145505","_score":18.384388,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : Formal Dispute Under FCRA 611 / 623 / Metro 2 Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).\n\nBelow are the disputed account with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. \nSUMMIT A * R ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Balance : {$290.00} This appears as a rental-related collection, yet no itemized billing or final notice was sent. Inaccurate debt age and status violate FCRA 607 ( b ).","date_sent_to_company":"2025-06-19T01:13:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37921","tags":null,"has_narrative":true,"complaint_id":"14145505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Summit A*R, Inc.","date_received":"2025-06-19T01:04:53.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request immediate deletion or full investigation <em>based</em> on the data furnishers inability to maintain factual accuracy. \nSUMMIT A * R ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX <em>Opened</em> XX/XX/year> Balance : {$290.00} This appears as a rental-related collection, yet no itemized billing or final notice was sent. Inaccurate debt age and status <em>violate</em> FCRA 607 ( b )."]},"sort":[18.384388,"14145505"]},{"_index":"complaint-public-v1","_id":"21719311","_score":18.234224,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN REPORT NO : XXXX FTC REPORT NO : XXXX RE : REQUEST FOR REINVESTIGATION Formal Dispute Under FCRA 611 / 623 / Metro 2 Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). \nBelow are the disputed accounts with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. \nXXXX XXXX XXXX XXXX Opened XX/XX/year> A 60-day late mark was recorded without evidence of mailed billing statements or a payment schedule under ECOA/Reg B . This violates FCRA 623 ( a ) ( 1 ) ( A ) for reporting information not confirmed to be accurate. \nXXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Balance : {$330.00} There is no documented validation that a proper notice of charge-off was sent to me. Furthermore, the monthly balance history contradicts Metro 2 standards for charge-offs. \nXXXX XXXX XXXX Opened XX/XX/year> There are multiple late marks up to 60 days reported, but no late fee assessments or billing proof were provided, violating FCRA 623 ( a ) ( 1 ) ( D ). This is an example of unverifiable derogatory reporting.","date_sent_to_company":"2026-04-29T19:17:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37921","tags":null,"has_narrative":true,"complaint_id":"21719311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-04-29T19:04:02.000Z","state":"TN","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":["EXPERIAN REPORT NO : XXXX FTC REPORT NO : XXXX RE : REQUEST FOR REINVESTIGATION Formal Dispute Under FCRA 611 / 623 / <em>Metro</em> 2 <em>Compliance</em> To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and <em>Metro</em> 2 reporting standards."]},"sort":[18.234224,"21719311"]},{"_index":"complaint-public-v1","_id":"15038905","_score":18.22262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal complaint against Experian, Equifax and Trans Union for knowingly publishing and retaining tradeline data furnished by XXXX XXXX that violates the\n\nMetro 2 Credit Reporting Format, resulting in continued publication of a false and fraudulent account for over 100 months. I submitted an Affidavit of Non-Consent & Denial of Forbearance Agreement, under penalty of perjury, directly disputing the existence, ownership, and legitimacy of the reported account. Despite this, Experian, Equifax and Trans Uion has continued to report the tradeline in violation of Metro 2 guidelines, FCRA 1681i, and CFPB Bulletin 2016-01.\n\nLegal & Regulatory Violations by Experian, Equifax and Trans Union ( Metro 2Specific ) Experian has published and maintained inaccurate tradeline data from XXXX in violation of Metro 2 standards, including but not limited to the following : 1. Metro 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in violation of Metro 2 base segment rules. 2. Metro 2 Field 17A Compliance Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit. This violates the FCRA 1681i and Metro 2 guidance requiring dispute markers on accounts under investigation.\n\n3. Metro 2 Field 28 Account Status Code : Experian accepted a status code indicating forbearance or deferment without a valid underlying contract. There is no forbearance agreement signed by me, and no digital or physical consent exists. This field misrepresents my creditworthiness.\n\n4. Metro 2 Fields 11 & 12 ECOA and Consumer Information Indicator : The tradeline omits the correct ECOA code and misrepresents the responsible party. No legitimate originator or contract is linked to my SSN or signature.\n\n5. Metro 2 Field 3945 Payment History Profile : Experian has published over 100 months of fraudulent payment history for a student loan I never signed for. This long-standing misrepresentation creates an artificial, prejudicial record that is wholly inconsistent with my verified financial activity.\n\nEvidence Attached : Notarized Affidavit of Non-Consent, signed and executed under penalty of perjury, declaring that I : Never opened this account ; Never agreed to or signed a forbearance agreement; Have suffered material harm from this false reporting ; Have disputed this information directly and received no lawful correction or reinvestigation.","date_sent_to_company":"2025-08-01T19:45:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"15038905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-01T19:00:13.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Metro</em> 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in <em>violation</em> of <em>Metro</em> 2 <em>base</em> segment rules. 2. <em>Metro</em> 2 Field 17A <em>Compliance</em> Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit."]},"sort":[18.22262,"15038905"]},{"_index":"complaint-public-v1","_id":"15035646","_score":18.22262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal complaint against Experian, Equifax and Trans Union for knowingly publishing and retaining tradeline data furnished by XXXX XXXX that violates the\n\nMetro 2 Credit Reporting Format, resulting in continued publication of a false and fraudulent account for over 100 months. I submitted an Affidavit of Non-Consent & Denial of Forbearance Agreement, under penalty of perjury, directly disputing the existence, ownership, and legitimacy of the reported account. Despite this, Experian, Equifax and Trans Uion has continued to report the tradeline in violation of Metro 2 guidelines, FCRA 1681i, and CFPB Bulletin 2016-01.\n\nLegal & Regulatory Violations by Experian, Equifax and Trans Union ( Metro 2Specific ) Experian has published and maintained inaccurate tradeline data from XXXX in violation of Metro 2 standards, including but not limited to the following : 1. Metro 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in violation of Metro 2 base segment rules. 2. Metro 2 Field 17A Compliance Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit. This violates the FCRA 1681i and Metro 2 guidance requiring dispute markers on accounts under investigation.\n\n3. Metro 2 Field 28 Account Status Code : Experian accepted a status code indicating forbearance or deferment without a valid underlying contract. There is no forbearance agreement signed by me, and no digital or physical consent exists. This field misrepresents my creditworthiness.\n\n4. Metro 2 Fields 11 & 12 ECOA and Consumer Information Indicator : The tradeline omits the correct ECOA code and misrepresents the responsible party. No legitimate originator or contract is linked to my SSN or signature.\n\n5. Metro 2 Field 3945 Payment History Profile : Experian has published over 100 months of fraudulent payment history for a student loan I never signed for. This long-standing misrepresentation creates an artificial, prejudicial record that is wholly inconsistent with my verified financial activity.\n\nEvidence Attached : Notarized Affidavit of Non-Consent, signed and executed under penalty of perjury, declaring that I : Never opened this account ; Never agreed to or signed a forbearance agreement; Have suffered material harm from this false reporting ; Have disputed this information directly and received no lawful correction or reinvestigation.","date_sent_to_company":"2025-08-01T19:45:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"15035646","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-01T19:45:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Metro</em> 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in <em>violation</em> of <em>Metro</em> 2 <em>base</em> segment rules. 2. <em>Metro</em> 2 Field 17A <em>Compliance</em> Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit."]},"sort":[18.22262,"15035646"]},{"_index":"complaint-public-v1","_id":"15035645","_score":18.214525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal complaint against Experian, Equifax and Trans Union for knowingly publishing and retaining tradeline data furnished by XXXX XXXX that violates the\n\nMetro 2 Credit Reporting Format, resulting in continued publication of a false and fraudulent account for over 100 months. I submitted an Affidavit of Non-Consent & Denial of Forbearance Agreement, under penalty of perjury, directly disputing the existence, ownership, and legitimacy of the reported account. Despite this, Experian, Equifax and Trans Uion has continued to report the tradeline in violation of Metro 2 guidelines, FCRA 1681i, and CFPB Bulletin 2016-01.\n\nLegal & Regulatory Violations by Experian, Equifax and Trans Union ( Metro 2Specific ) Experian has published and maintained inaccurate tradeline data from XXXX in violation of Metro 2 standards, including but not limited to the following : 1. Metro 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in violation of Metro 2 base segment rules. 2. Metro 2 Field 17A Compliance Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit. This violates the FCRA 1681i and Metro 2 guidance requiring dispute markers on accounts under investigation.\n\n3. Metro 2 Field 28 Account Status Code : Experian accepted a status code indicating forbearance or deferment without a valid underlying contract. There is no forbearance agreement signed by me, and no digital or physical consent exists. This field misrepresents my creditworthiness.\n\n4. Metro 2 Fields 11 & 12 ECOA and Consumer Information Indicator : The tradeline omits the correct ECOA code and misrepresents the responsible party. No legitimate originator or contract is linked to my SSN or signature.\n\n5. Metro 2 Field 3945 Payment History Profile : Experian has published over 100 months of fraudulent payment history for a student loan I never signed for. This long-standing misrepresentation creates an artificial, prejudicial record that is wholly inconsistent with my verified financial activity.\n\nEvidence Attached : Notarized Affidavit of Non-Consent, signed and executed under penalty of perjury, declaring that I : Never opened this account ; Never agreed to or signed a forbearance agreement; Have suffered material harm from this false reporting ; Have disputed this information directly and received no lawful correction or reinvestigation.","date_sent_to_company":"2025-08-01T19:45:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"15035645","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-01T19:45:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Metro</em> 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in <em>violation</em> of <em>Metro</em> 2 <em>base</em> segment rules. 2. <em>Metro</em> 2 Field 17A <em>Compliance</em> Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit."]},"sort":[18.214525,"15035645"]},{"_index":"complaint-public-v1","_id":"12951299","_score":17.870827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Experian Attn : Executive Customer Relations XXXX XXXX XXXX XXXX XXXX, CA XXXX **RE : Formal Dispute per FCRA Section 611 ( a ) - Metro2 Non-Compliance** **Consumer Name : ** XXXX XXXXr **Date of Birth : ** XX/XX/XXXX **SSN : ** XXXX **Special Comment Code : ** XXXX  ( Consumer Disputes Account Information ) To Whom It May Concern : This communication serves as my formal dispute under FCRA Section 611 ( a ) ( 2 ) regarding multiple accounts on my Experian credit report that fail to comply with Metro2 reporting standards as outlined in the XXXX 's Credit Reporting Resource Guide ( XXXX ). \n\nI am aware of the Consumer Financial Protection Bureau 's lawsuit against Experian ( Case Number : XXXX ) alleging systematic failures in Metro2 compliance verification during the dispute resolution process.\n\nThe following accounts contain Metro2 Format violations per the XXXX and FCRA Section 623 ( b ) : **1. XXXX - Account Condition Code : Currently showing Collection ( Code 97 ) - Portfolio Type : 31 - Balance : {$1000.00} as of XX/XX/XXXX - XXXX Code issue : Account incorrectly lacks Consumer Dispute Indicator ( XXXX  ) - Compliance Failure : Despite \" Under dispute '' marking, no Compliance Condition Code XC has been applied - Metro2 Correction Required : Apply XH ( Disputed Information ) indicator and correct Account Status code **2. XXXX - Account Status : Under dispute - Metro2 Compliance Issue : No Specialized Payment Indicator ( SPI ) code or Account Status ( 05 ) reflecting dispute - Required Action : Apply appropriate XXXX XXXX dispute indicators **3. Account with Negative Payment History** - Payment History Profile : Containing delinquencies for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Metro2 Compliance Issue : Inaccurate Payment History Profile codes- Required Correction : Apply appropriate payment codes as per XXXX XXXX. Duplicate XXXX XXXXXXXX Accounts ( XXXX ) ** - Metro2 Violation : XXXX Section 6.8 prohibits duplicate account reporting - Account Corrections Required : Remove duplicate tradeline and retain single accurate account with proper Date Opened field Per FCRA Section 611 ( a ) and the E-OSCARXXXX requirements outlined in the XXXX, I formally request : 1. Full Metro2 compliance review including verification of all Base Segment fields and applicable Appendage Segments 2. Proper transmission of all dispute codes ( XXXX XXXX ) to data furnishers via XXXX 3. Verification of FCRA-compliant reinvestigation including all relevant Account Status Codes 4. Removal of all accounts that can not be verified in compliance with Metro2 Format requirements 5. Written confirmation that all disputed accounts have been properly coded with applicable XXXX XXXX XXXX XXXX  indicators 6. Notification of all corrections to data furnishers, including proper Metro2 compliance requirements This dispute requires your verification that all data furnishers are properly certified in Metro2 Format reporting per CDIA requirements and that all Account Status, Portfolio Type, and Consumer Information Indicator fields comply with current CRRG standards.\n\nUnder the FCRA, ECOA Regulation B, and CFPB guidelines, I expect a complete response within 30 days including verification that proper dispute codes have been applied to my consumer disclosure. \n\nSincerely, XXXX XXXX Enclosures : - Copy of Experian credit report with Metro2 compliance issues highlighted - Supporting documentation for disputed items","date_sent_to_company":"2025-04-12T01:15:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12951299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-12T01:10:41.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Duplicate XXXX XXXXXXXX Accounts ( XXXX ) ** - <em>Metro</em>2 <em>Violation</em> : XXXX Section 6.8 prohibits duplicate account reporting - Account Corrections Required : Remove duplicate tradeline and retain single accurate account with proper Date <em>Opened</em> field Per FCRA Section 611 ( a ) and the E-OSCARXXXX requirements outlined in the XXXX, I formally request : 1. Full <em>Metro</em>2 <em>compliance</em> review including verification of all <em>Base</em> Segment fields and applicable Appendage Segments 2."]},"sort":[17.870827,"12951299"]},{"_index":"complaint-public-v1","_id":"11113356","_score":17.765234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter to Equifax to dispute my XXXX XXXX account as it has been reporting inaccurately across the three bureaus. I've sent in proof, supporting documentation, etc. and my claims have gone unanswered, and more recently, deemed as duplicate. Please see all attached claims. I will also post below. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : XXXX XXXX Account # XXXX I am writing to again formally dispute the reporting of the XXXX  XXXX account on my credit profile. I have obtained XXXX XXXX copy of my credit report and found that several inaccuracies and instances of non-compliance with CDIAs Metro 2 reporting standards remains on my credit report even after multiple attempts of disputing this information as reported. Accurate credit reporting is crucial for consumer lenders to make informed decisions. Lenders rely on these credit reports to assess my creditworthiness when approving loans, issuing credit cards, or setting interest rates. Metro 2 compliance mandates the accurate reporting of data elements, including account balances, payment history, account statuses ( i.e., open, closed, delinquent ), and identifying information ( i.e., name, address, SSN ). \nHere are the details of the account as reported XX/XX/XXXX : ( XXXX ) : # XXXX Inconsistent! \n( XXXX ) : Required but Missing! \n( XXXX ) : Potential Error! \n( XXXX ) : Potential Error! \n( XXXX ) : Inconsistent! Deceptive! \n( XXXX ) : Potential Error! \n( XXXX ) : Mathematically Questionable! \n( XXXX ) : Deviant From Standards! \n\nUpon reviewing the Federal Credit Reporting Act, the Fact Act of 2010, along with the Metro 2 Compliance guidelines, FDCPA, and CDIA reporting requirements, I noticed several violations still remain on my credit report.\n\nKey Issues : 1. Base Segment Code Field 5 : This is being reported differently across all three bureaus. Please verify this for its accuracy.\n\n2. Base Segment Code Field 8 : This field is required per Metro 2 Standards, however it has no information listed. This should be corrected, or you must delete this information.\n\n3. Base Segment Code Field 10 : In Base Segment Field 10 of the Metro 2 format, this field should accurately reflect the credit limit. Reporting \" {$0.00} '' instead of the original amount is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to ensure that information on credit reports is complete and accurate. Reporting the original loan amount incorrectly as \" {$0.00} '' rather than the correct amount misrepresents the nature of my past debt, in violation of FDCPA Section 807. Reporting in this manner is misleading and fails to meet Metro 2s guidelines, FDCPA and CDIAs requirement for accurate data representation. This should be accurate, or you must delete it.\n\n4. Base Segment Code Field 12 : Not only is the number reported {$1200.00} wildly untrue, but its also reported differently across the three bureaus. If you can not verify the highest limit on this account, please delete in order to align with your CDIA standards along with being in compliance of the FCRA.\n\n5. Base Segment Code Field 17A : Your reporting of the account status is inconsistent across all the bureaus. Moreover the account was paid and not derogatory. Continuing to report negative statuses even after my compliance with a stipulated agreement constitute unfair practices under FDCPA Section 808. If you can not verify this field as it stands, please promptly remove the account.\n\n6. Base Segment Code Field 17G : Your reporting of the payment status is inaccurate and inconsistent across all the bureaus. This account was paid and the status should reflect current, or paid. Continuing to report delinquent statuses could constitute unfair practices under FDCPA Section 808. Field 17G is critical for fair and accurate reporting, and errors here could mislead creditors and violate CDIA best practices. If you can not verify this field as it stands, please promptly remove the account.\n\n7. Base Segment Field Code 24 : Your reporting of the date of last active is inconsistent across all the bureaus. Per Metro 2 guidelines and CDIA requirements, this is a violation. If you can not verify this field as you are currently reporting it, please promptly remove the account.\n\n8. Base Segment Field Code 25 : FDCPA prohibits misleading or deceptive collection practices ( Section 807 ). The date listed is significantly wrong and outdated. This has been disputed several times and has yet to be revised. Section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that furnishers report accurate information to consumer reporting agencies and Section 607 ( b ) mandates that consumer reporting agencies ensure \" maximum possible accuracy '' in the information they maintain.\n\nRequest for Verification and Deletion : You have responded many times to my disputes over 2 years and verified that the information was reported accurately and in alignment with your governing bodies. Even after physical, undeniable truth, you continue to report erroneously. I have been disputing this account as its being reported for two years now. This has affected my credit profile tremendously. I formally demand the removal of this account. I am in the process of purchasing a home, and I am the sole breadwinner for me and my two small children. These violations allow my credit profile to be reported unfairly, inaccurately, and incomplete. Subjecting me, the consumer, to high interest rates, denials, and the like.\n\nEligibility for Statutory Damages : I am aware that your failure to comply makes me eligible to collect statutory damages under the law. Given the seriousness of these inaccuracies and the impact on my creditworthiness, I expect prompt action in addressing this matter. Thank you for your immediate attention. Please confirm receipt of this letter to the email listed above and provide the requested verification or confirmation of the deletion within 30 days. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-11T04:55:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21244","tags":null,"has_narrative":true,"complaint_id":"11113356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-11T04:55:25.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Upon reviewing the Federal Credit Reporting Act, the Fact Act of 2010, along with the <em>Metro</em> 2 <em>Compliance</em> guidelines, FDCPA, and CDIA reporting requirements, I noticed several <em>violations</em> still remain on my credit report.\n\nKey Issues : 1. <em>Base</em> Segment Code Field 5 : This is being reported differently across all three bureaus. Please verify this for its accuracy.\n\n2. <em>Base</em> Segment Code Field 8 : This field is required per <em>Metro</em> 2 Standards, however it has no information listed."]},"sort":[17.765234,"11113356"]},{"_index":"complaint-public-v1","_id":"14378203","_score":17.41907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the following account appearing on my credit reports from TransUnion, Experian, and Equifax : attachment Enclosed Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Installment Date Opened : XX/XX/XXXX Upon thorough review, I have found this account to be in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines, based on the following inconsistencies and factual errors : Metro 2 / FCRA Violations and Inconsistencies : Inconsistent High Credit Reporting : TransUnion and Experian both report the high credit as {$1000.00}, while Equifax reports only {$790.00}.\n\nAccording to Metro 2 formatting, the original charge-off amount and high credit should be consistent across all bureaus and accurately reflect the loan terms. \n\nConflicting Dates of Last Activity and Payment : TransUnion and Experian show the last payment as XX/XX/XXXX, yet Equifax shows XX/XX/XXXX. \n\nThis discrepancy can cause unlawful re-aging of the debt or incorrect aging of delinquency, both of which violate FCRA 607 ( b ) and Metro 2 guidelines.\n\nReporting as Collection/Charge-Off with {$0.00} Monthly Payment : All three bureaus report a monthly payment of {$0.00} yet continue listing the account as open with an outstanding balance. \n\nThis conflicts with the XXXX Account and XXXX status and is misleading to creditors and underwriters reviewing the report. \n\nComment Field Errors & Dispute Status Mishandling : Equifax reports \" Consumer disputes reinvestigation in progress '' but continues reporting derogatory statuses.\n\nAs per FCRA 611 and Metro 2 guidelines, an account under dispute must reflect the XXXX  code and suppress further derogatory reporting during investigation. \n\nUnverified and Inaccurate Payment History : TransUnion shows consistent CO ( Charge-Off ) statuses for each month, while Experian and Equifax display XXXX for overlapping months ( e.g., XXXX XXXX ), which is not possible for a charged-off account. \n\nThis false positive reporting is misleading and indicates a failure to maintain accurate and complete records in compliance with FCRA 623.\n\nRequested Resolution : I respectfully demand that the inaccuracies mentioned above be fully investigated and resolved. Specifically : Immediate reinvestigation of the XXXX account under FCRA 611.\n\nFull removal of the account from all three credit bureaus due to non-compliance with Metro 2 standards and FCRA. \n\nSuppression of derogatory remarks during any dispute/reinvestigation period. \n\nWritten confirmation of the results of your investigation. \nFailure to properly investigate and remove for violations may result in formal civil action for damages as allowed under FCRA 616, 617, and 623.","date_sent_to_company":"2025-06-30T12:58:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33709","tags":null,"has_narrative":true,"complaint_id":"14378203","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-30T12:57:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the following account appearing on my credit reports from TransUnion, Experian, and Equifax : attachment Enclosed Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Installment Date <em>Opened</em> : XX/XX/XXXX Upon thorough review, I have found this account to be in <em>violation</em> of the Fair Credit Reporting Act ( FCRA ) and <em>Metro</em> 2 reporting guidelines, <em>based</em> on the following inconsistencies"]},"sort":[17.41907,"14378203"]},{"_index":"complaint-public-v1","_id":"10872342","_score":17.394785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I\n\ndiscovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.\n\nYou're in violation of 15 US Code 1681 ( b ) -Permissible purpose of consumer reports- as the consumer i did not give you my written to report such things on my credit report. You're also in violation of 15 US 1666 ( b ) -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am very embarrass that you would insult my character and report such misleading things, i will be contacting my lawyers for defamation of character if these matters dont get rissolve. I am demanding you remove these late payments from my credit report within 24 hours receiving this letter. The concerning accounts are listed below as a consumer again i demand the removal of these late payments. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-18T21:11:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92307","tags":null,"has_narrative":true,"complaint_id":"10872342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-18T20:48:10.000Z","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":["I\n\ndiscovered <em>based</em> off <em>Metro</em> 2 <em>compliance</em> that all the company listed below was not in compliant with <em>Metro</em> 2 that was put in place to protect us as consumers. Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}."]},"sort":[17.394785,"10872342"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":443,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":443}]}},"product":{"doc_count":443,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":386,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":384},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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