{"took":1611,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1293,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15611951","_score":22.637804,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Request for Removal of Accounts Metro 2 Non-Compliance Dear Equifax Team , I am formally requesting the removal of the following accounts from my credit report. Each account fails to comply with Metro 2 reporting standards, which are designed to ensure accuracy, integrity, and consistency in consumer credit reporting. \n\nMetro 2 compliance requirements : Accuracy : Information a furnisher provides to a consumer reporting agency must correctly reflect the account and relationship with the consumer.\n\nIntegrity : Data must be complete, truthful, and free from misleading or false reporting.\n\nConsistency : Reported information must align across all fields ( balance, payment history, account status, last activity, etc. ). \n\nFailure to meet these standards constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ).\n\nXXXX. XXXX Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Payment History, Current Balance, Account Status Details : Last Payment : XXXX | Last Activity : XXXX Why this violates Metro 2 : Metro 2 requires that the last activity date and payment history accurately reflect the accounts current status. Reporting outdated activity and incomplete balances misrepresents the account and violates accuracy and integrity standards. \nXXXX. XXXX XXXX, XXXX Account Number : XXXX Metro 2 Fields Violated : Payment History, Current Balance, Past Due Amount, Account Status Details : High Credit {$120.00} | Credit Limit {$0.00} | Last Payment : XXXX | Actual Payment : {$90.00} | Date of Delinquency : XXXXXXXX  | Activity : Paid and Closed Why this violates Metro 2 : Reporting inconsistent balances, delinquency dates, and incomplete payment history does not accurately reflect the account relationship, violating Metro 2 standards for accuracy, integrity, and consistency. \nXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Account Status, Current Balance, Past Due Amount Details : Last Reported Update : XXXX | Last Payment : XXXXXXXX  | Last Activity : XXXXXXXX XXXX Terms Frequency : Weekly | Activity : Paid and Closed Why this violates Metro 2 : Reporting outdated account status and last activity does not accurately reflect the consumers account history, failing accuracy and integrity standards. \n4. Current Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Account Status, Payment History Details : Last Reported Update : XXXXXXXX  | Last Activity : XXXXXXXX  | Activity : Paid and Closed Why this violates Metro 2 : Last activity and payment history are not current, misrepresenting the accounts true status and violating Metro 2 accuracy and consistency standards. \nXXXX. XXXX XXXX ( Hard Inquiry ) Metro 2 Fields Violated : Account Type, Account Status, Payment History Details : Date of Inquiry : XXXX Why this violates Metro 2 : Hard inquiry reported without proper account context does not comply with Metro 2 standards for meaningful and accurate reporting, violating integrity and consistency.","date_sent_to_company":"2025-08-29T11:01:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"71457","tags":null,"has_narrative":true,"complaint_id":"15611951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-29T10:53:50.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX Account Number : XXXX <em>Metro</em> 2 Fields <em>Violated</em> : <em>Last</em> Activity Date, <em>Payment</em> History, Current Balance, Account Status Details : <em>Last</em> <em>Payment</em> : XXXX | <em>Last</em> Activity : XXXX Why this <em>violates</em> <em>Metro</em> 2 : <em>Metro</em> 2 requires that the <em>last</em> activity date and <em>payment</em> history accurately reflect the accounts current status. Reporting outdated activity and incomplete balances misrepresents the account and <em>violates</em> accuracy and integrity standards. \nXXXX."]},"sort":[22.637804,"15611951"]},{"_index":"complaint-public-v1","_id":"15604794","_score":22.608664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Request for Removal of Accounts Metro 2 Non-Compliance Dear Equifax Team , I am formally requesting the removal of the following accounts from my credit report. Each account fails to comply with Metro 2 reporting standards, which are designed to ensure accuracy, integrity, and consistency in consumer credit reporting. \n\nMetro 2 compliance requirements : Accuracy : Information a furnisher provides to a consumer reporting agency must correctly reflect the account and relationship with the consumer.\n\nIntegrity : Data must be complete, truthful, and free from misleading or false reporting.\n\nConsistency : Reported information must align across all fields ( balance, payment history, account status, last activity, etc. ). \n\nFailure to meet these standards constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ).\n\nXXXX. XXXX Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Payment History, Current Balance, Account Status Details : Last Payment : XXXX | Last Activity : XXXX Why this violates Metro 2 : Metro 2 requires that the last activity date and payment history accurately reflect the accounts current status. Reporting outdated activity and incomplete balances misrepresents the account and violates accuracy and integrity standards. \nXXXX. XXXX XXXX, XXXX Account Number : XXXX Metro 2 Fields Violated : Payment History, Current Balance, Past Due Amount, Account Status Details : High Credit {$120.00} | Credit Limit {$0.00} | Last Payment : XXXX | Actual Payment : {$90.00} | Date of Delinquency : XXXXXXXX  | Activity : Paid and Closed Why this violates Metro 2 : Reporting inconsistent balances, delinquency dates, and incomplete payment history does not accurately reflect the account relationship, violating Metro 2 standards for accuracy, integrity, and consistency. \nXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Account Status, Current Balance, Past Due Amount Details : Last Reported Update : XXXX | Last Payment : XXXXXXXX  | Last Activity : XXXXXXXX XXXX Terms Frequency : Weekly | Activity : Paid and Closed Why this violates Metro 2 : Reporting outdated account status and last activity does not accurately reflect the consumers account history, failing accuracy and integrity standards. \n4. Current Account Number : XXXX Metro 2 Fields Violated : Last Activity Date, Account Status, Payment History Details : Last Reported Update : XXXXXXXX  | Last Activity : XXXXXXXX  | Activity : Paid and Closed Why this violates Metro 2 : Last activity and payment history are not current, misrepresenting the accounts true status and violating Metro 2 accuracy and consistency standards. \nXXXX. XXXX XXXX ( Hard Inquiry ) Metro 2 Fields Violated : Account Type, Account Status, Payment History Details : Date of Inquiry : XXXX Why this violates Metro 2 : Hard inquiry reported without proper account context does not comply with Metro 2 standards for meaningful and accurate reporting, violating integrity and consistency.","date_sent_to_company":"2025-08-29T11:01:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"71457","tags":null,"has_narrative":true,"complaint_id":"15604794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-29T10:42:48.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX Account Number : XXXX <em>Metro</em> 2 Fields <em>Violated</em> : <em>Last</em> Activity Date, <em>Payment</em> History, Current Balance, Account Status Details : <em>Last</em> <em>Payment</em> : XXXX | <em>Last</em> Activity : XXXX Why this <em>violates</em> <em>Metro</em> 2 : <em>Metro</em> 2 requires that the <em>last</em> activity date and <em>payment</em> history accurately reflect the accounts current status. Reporting outdated activity and incomplete balances misrepresents the account and <em>violates</em> accuracy and integrity standards. \nXXXX."]},"sort":[22.608664,"15604794"]},{"_index":"complaint-public-v1","_id":"16602723","_score":21.56122,"_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":["Balance <em>Metro</em> 2 Base XXXX <em>compliance</em> <em>violation</em> - ECOA Code XXXX XXXX & XXXX - <em>Last</em> <em>Payment</em> Date <em>Metro</em> 2 Base XXXX <em>compliance</em> <em>violation</em> - Special Comment <em>Metro</em> 2 Base XXXX <em>compliance</em> <em>violation</em> - XXXX Segment <em>Metro</em> 2 XXXX - Re-Aging Issue the report DOFD has been unlawfully re-aged."]},"sort":[21.56122,"16602723"]},{"_index":"complaint-public-v1","_id":"16538117","_score":21.557169,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1. Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - K4/3 Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Experian immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:13:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16538117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T21:02:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required <em>Compliance</em> Condition Code XB while account is under active consumer dispute - The Account Status <em>Metro</em> 2 Base 17A <em>compliance</em> <em>violation</em> - Current Balance <em>Metro</em> Base 12 <em>compliance</em> <em>violation</em> - Terms <em>Metro</em> 2 Base 13 <em>compliance</em> <em>violations</em>- <em>Last</em> <em>Payment</em> Date <em>Metro</em> 2 Base 17 <em>compliance</em> <em>violation</em> - Special Comment <em>Metro</em> 2 Base 19 <em>compliance</em> <em>violation</em> - Reporting Summary <em>Metro</em> 2 Base 18 <em>compliance</em> <em>violation</em> - K4/3 Segment Mero 2 <em>compliance</em>"]},"sort":[21.557169,"16538117"]},{"_index":"complaint-public-v1","_id":"17116390","_score":21.415691,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include but may not be limited to Accounts in Dispute : 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base 25 ) compliance violation - The Account Status Metro 2 ( Base/17A ) compliance violation - Terms Duration Metro 2 ( Base/13 ) compliance violation - Portfolio Type Metro 2 ( Base/9 ) compliance violation - Date Open Metro 2 ( Base/10 ) compliance violation - Portfolio Type Metro 2 ( Base/8 ) compliance violation - Payment History Profile Metro 2 ( Field/18 ) compliance violation - Current Balance Metro 2 ( Base/12 ) compliance violation - ECOA Code Base/37 J1 & J2/10 - Last Payment Date Metro 2 ( Base/17 ) compliance violation - Special Comment Metro 2 ( Base/19 ) compliance violation - K1 Segment Metro 2 K1/3 - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA 605 ( c ) This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Equifax credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. Inconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-11-08T16:34:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"17116390","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-08T16:16:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["/8 ) <em>compliance</em> <em>violation</em> - <em>Payment</em> History Profile <em>Metro</em> 2 ( Field/18 ) <em>compliance</em> <em>violation</em> - Current Balance <em>Metro</em> 2 ( Base/12 ) <em>compliance</em> <em>violation</em> - ECOA Code Base/37 J1 & J2/10 - <em>Last</em> <em>Payment</em> Date <em>Metro</em> 2 ( Base/17 ) <em>compliance</em> <em>violation</em> - Special Comment <em>Metro</em> 2 ( Base/19 ) <em>compliance</em> <em>violation</em> - K1 Segment <em>Metro</em> 2 K1/3 - Re-Aging Issue the report DOFD has been unlawfully re-aged."]},"sort":[21.415691,"17116390"]},{"_index":"complaint-public-v1","_id":"16536763","_score":21.25478,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - XXXX Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). \n\nAlso, I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX  credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:26:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16536763","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T21:19:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>compliance</em> <em>violation</em> - Terms <em>Metro</em> 2 Base 13 <em>compliance</em> <em>violations</em>- <em>Last</em> <em>Payment</em> Date <em>Metro</em> 2 Base 17 <em>compliance</em> <em>violation</em> - Special Comment <em>Metro</em> 2 Base 19 <em>compliance</em> <em>violation</em> - Reporting Summary <em>Metro</em> 2 Base 18 <em>compliance</em> <em>violation</em> - XXXX Segment Mero 2 <em>compliance</em> <em>violation</em> 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"]},"sort":[21.25478,"16536763"]},{"_index":"complaint-public-v1","_id":"16602938","_score":21.180536,"_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 ( Base XXXX ) <em>compliance</em> <em>violation</em> - Portfolio Type <em>Metro</em> 2 ( Base XXXX ) <em>compliance</em> <em>violation</em> - Date Open <em>Metro</em> XXXX ( Base XXXX ) <em>compliance</em> <em>violation</em> - <em>Payment</em> History Profile <em>Metro</em> 2 ( Field XXXX ) <em>compliance</em> <em>violation</em> - The Account Status XXXX XXXX Base XXXX <em>compliance</em> <em>violation</em> - Current Balance <em>Metro</em> 2 Base XXXX <em>compliance</em> <em>violation</em> - ECOA Code XXXX XXXX & XXXX - <em>Last</em> <em>Payment</em> Date <em>Metro</em> 2 Base XXXX XXXX <em>violation</em> - Special Comment <em>Metro</em> 2 Base XXXX XXXX <em>violation</em>"]},"sort":[21.180536,"16602938"]},{"_index":"complaint-public-v1","_id":"9848503","_score":20.849327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX and XXXX for Inaccurate Reporting of XXXX XXXX Account Dear CFPB, I am filing a formal complaint against XXXX and XXXX regarding the inaccurate and inconsistent reporting of my auto loan account. Despite my efforts to resolve these discrepancies directly with the credit reporting agencies, significant errors remain on my credit report, which violate both federal consumer protection laws and Metro 2 compliance standards. \n\nDetails of the Discrepancies : Inconsistent Date Opened Reporting : XXXX : Reports the date opened as XX/XX/XXXX. \nXXXX : Reports the date opened as XX/XX/XXXX. \n\nThis discrepancy suggests a failure by the data furnishers to report consistent and accurate data, which is required under Metro 2 standards. \nInaccurate Date Last Active Reporting : XXXX : Reports the Date Last Active ( DLA ) as XX/XX/XXXX. \nXXXX : XXXX the XXXX as XX/XX/XXXX. \n\nThe Metro 2 standard mandates that the Date of Last Activity be reported consistently across all bureaus. This inconsistency directly impacts how long this account will affect my credit score. \n\nDiscrepancies in Payment History Reporting : Both XXXX and XXXX report a payment history showing \" 60 days late '' and \" 30 days late '' statuses during XX/XX/XXXX and XX/XX/XXXX. My personal records do not support these entries, indicating a potential error in reporting. \n\nMetro 2 guidelines require accurate and consistent reporting of late payments. The discrepancies in these late payments are misleading and have negatively impacted my creditworthiness. \n\nViolations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Inaccuracy in Reporting : The FCRA requires that information furnished to credit reporting agencies be accurate and complete. The discrepancies in the date opened, date last active, and payment history suggest that the data furnishers have failed to ensure the maximum possible accuracy of the information reported. \n\nRight to Dispute : Under the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Despite my dispute, XXXX and XXXX have not corrected or removed the inaccurate late payments. \n\nMetro 2 Compliance Violations : Inconsistent Reporting : Metro 2 guidelines are designed to ensure that credit reporting is accurate and consistent across all bureaus. The discrepancies in the date opened, date last active, and payment history violate these guidelines and contribute to inaccurate and misleading credit reporting. \n\nFailure to Report Correct Payment History : The erroneous late payment entries for XX/XX/XXXX and XX/XX/XXXX represent a failure to adhere to Metro 2 procedural requirements, leading to a negative impact on my credit profile.","date_sent_to_company":"2024-08-19T03:58:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"9848503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-19T03:50:58.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Despite my dispute, XXXX and XXXX have not corrected or removed the inaccurate late <em>payments</em>. \n\n<em>Metro</em> 2 <em>Compliance</em> <em>Violations</em> : Inconsistent Reporting : <em>Metro</em> 2 guidelines are designed to ensure that credit reporting is accurate and consistent across all bureaus. The discrepancies in the date opened, date <em>last</em> active, and <em>payment</em> history <em>violate</em> these guidelines and contribute to inaccurate and misleading credit reporting."]},"sort":[20.849327,"9848503"]},{"_index":"complaint-public-v1","_id":"10646820","_score":20.676517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE \nREMEDIATION\nAccount: XXXX XXXX\nThis letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations associated with the above-referenced account. Your agencys incorrect reporting of this account violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage to my credit profile. Immediate correction is required to avoid further escalation. Violations Identified for the XXXX  XXXX  1. Incorrect Late Payment Reporting on a Closed Account\no The account shows 60-day late payments in both XXXX  and XXXX XXXX. Metro 2 \nguidelines prohibit reporting new delinquencies on closed accounts. 2. Discrepancies in Last Activity Dates o TransUnion lists the last activity as XXXX, while XXXX  reports it as XXXX, and XXXX  reflects XXXX. This inconsistency directly violates 611 of the FCRA, which mandates accurate and consistent reporting. 3. Failure to Align Payment History with Account Status o The payment history indicates multiple late marks even after the account is marked paid and closed, which creates an inaccurate reflection of the account's standing. 4. Dispute Status Not Updated o The account is incorrectly marked as \"Account Not Disputed\", despite previous efforts to correct the reporting. This non-compliance with 623 of the FCRA demonstrates a failure to properly handle disputes and ensure accurate updates. 5. Conflicting Remarks and Status o Remarks state, \"Closed or paid account / zero balance, fixed rate,\" yet late payments continue to be reported post-closure, which is contradictory and non\u0002compliant with Metro 2 formatting.","date_sent_to_company":"2024-10-31T21:37:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94014","tags":null,"has_narrative":true,"complaint_id":"10646820","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-31T21:31:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Violations</em> Identified for the XXXX  XXXX  1. Incorrect Late <em>Payment</em> Reporting on a Closed Account\no The account shows 60-day late <em>payments</em> in both XXXX  and XXXX XXXX. <em>Metro</em> 2 \nguidelines prohibit reporting new delinquencies on closed accounts. 2. Discrepancies in <em>Last</em> Activity Dates o TransUnion lists the <em>last</em> activity as XXXX, while XXXX  reports it as XXXX, and XXXX  reflects XXXX. This inconsistency directly <em>violates</em> 611 of the FCRA, which mandates accurate and consistent reporting. 3."]},"sort":[20.676517,"10646820"]},{"_index":"complaint-public-v1","_id":"10857025","_score":20.654827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report. After a thorough review, I have identified several discrepancies that violate Metro 2 compliance guidelines and my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. These inaccuracies must be addressed immediately to ensure full compliance and accuracy in my credit report.\n\nViolations Identified : 1. Late Payment Reporting : o The account reflects 90-day late payments in XX/XX/XXXX across all three bureaus. However, the \" Date Closed '' is listed as XXXX, making the late payment reporting contradictory and invalid. \n2. Inconsistent High Balance Reporting : o Metro 2 guidelines require uniform reporting of the high balance across all bureaus. The high balance is reported as {$3000.00} by XXXX and XXXX but differs in supporting information. These discrepancies fail Metro 2 accuracy standards.\n\n3. Past Due Amount Mismatch : o The \" Past Due '' amount fields reflect inconsistent amounts across the bureaus, with TransUnion showing {$570.00}, which contradicts XXXX and XXXX. This inconsistency violates FCRA 1681e ( b ), which mandates maximum possible accuracy.\n\n4. Date of Last Payment/Activity Errors : o The \" Date of Last Payment '' is inconsistent, with TransUnion showing XX/XX/XXXX, while other bureaus list different dates. Similarly, the \" Last Activity Date '' is misaligned. These discrepancies interfere with accurate credit reporting and fail Metro 2 guidelines. \n5. Account Status Inconsistency : o The account is listed as \" Closed '' across all three bureaus, but the comments field shows conflicting reasons for closure, including inactivity and cancellation by the grantor. Metro 2 requires clear and consistent reporting of account closure reasons.\n\n6. Payment History Inaccuracies : o The payment history field for XX/XX/XXXX shows inconsistencies, with XXXX bureau marking payments as on time and another showing delinquencies. Accurate and consistent payment history is a critical component of compliance.","date_sent_to_company":"2024-11-20T08:38:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89031","tags":null,"has_narrative":true,"complaint_id":"10857025","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-20T08:34:47.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["After a thorough review, I have identified several discrepancies that <em>violate</em> <em>Metro</em> 2 <em>compliance</em> guidelines and my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. These inaccuracies must be addressed immediately to ensure full <em>compliance</em> and accuracy in my credit report.\n\n<em>Violations</em> Identified : 1. Late <em>Payment</em> Reporting : o The account reflects 90-day late <em>payments</em> in XX/XX/XXXX across all three bureaus."]},"sort":[20.654827,"10857025"]},{"_index":"complaint-public-v1","_id":"18330138","_score":20.3489,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy and Metro 2 compliance of the following account reported on my Experian credit report.\n\nAccount in Dispute : Creditor : XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Violations Noted : 1. Account reflects multiple late payments ( 30, 60, 90, 120, 150 days ), yet remains in \" In Dispute '' status without clear resolution or correction, violating FCRA 607 ( b ) and Metro 2 standards.\n\n2. Discrepancy between reported date of last activity ( XX/XX/XXXX ) and date of last payment ( XX/XX/XXXX ), indicating possible data inconsistency or re-aging a direct violation of Metro 2 guidelines.\n\n3. Payment history and status coding conflict with active dispute notation ( Consumer Information Indicator not coded as \" XB '' ).\n\nApplicable Laws and Standards : FCRA 607 ( b ) : Duty to maintain maximum possible accuracy.\n\nFCRA 611 ( a ) ( 1 ) ( A ) : Furnisher and bureau must reinvestigate disputed data.\n\nFCRA 611 ( a ) ( 5 ) : Bureau must delete unverifiable or incorrect data.\n\nMetro 2 Compliance Manual : Accuracy of DOFD, payment history, and account status fields.\n\nXXXX  & XXXX  Breach Reports ( XXXX XXXX ) : Increased data integrity risk across national CRAs.","date_sent_to_company":"2025-12-28T19:21:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11422","tags":null,"has_narrative":true,"complaint_id":"18330138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-28T19:13:28.000Z","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":["Discrepancy between reported date of <em>last</em> activity ( XX/XX/XXXX ) and date of <em>last</em> <em>payment</em> ( XX/XX/XXXX ), indicating possible data inconsistency or re-aging a direct <em>violation</em> of <em>Metro</em> 2 guidelines.\n\n3. <em>Payment</em> history and status coding conflict with active dispute notation ( Consumer Information Indicator not coded as \" XB '' ).\n\nApplicable Laws and Standards : FCRA 607 ( b ) : Duty to maintain maximum possible accuracy."]},"sort":[20.3489,"18330138"]},{"_index":"complaint-public-v1","_id":"10637359","_score":20.287975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE \nREMEDIATION\nAccount: XXXX XXXX\nThis letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations\nassociated with the above-referenced account. Your agencys incorrect reporting of this account \nviolates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage \nto my credit profile. Immediate correction is required to avoid further escalation.\nViolations Identified for the XXXX Account\nXXXX Incorrect Late Payment Reporting on a Closed Account\no The account shows 60-day late payments in both XXXX and XXXX 2024. Metro 2 \nguidelines prohibit reporting new delinquencies on closed accounts.\n2. Discrepancies in Last Activity Dates\no XXXX  lists the last activity as XX/XX/2024, while Experian reports it as \nXX/XX/2024, and XX/XX/XXXXreflects XX/XX/2024. This inconsistency directly violates \n611 of the FCRA, which mandates accurate and consistent reporting.\n3. Failure to Align Payment History with Account Status\no The payment history indicates multiple late marks even after the account is \nmarked paid and closed, which creates an inaccurate reflection of the account's \nstanding.\n4. Dispute Status Not Updated\no The account is incorrectly marked as \"Account Not Disputed\", despite previous \nefforts to correct the reporting. This non-compliance with 623 of the FCRA\ndemonstrates a failure to properly handle disputes and ensure accurate updates.\n5. Conflicting Remarks and Status\no Remarks state, \"Closed or paid account / XXXX XXXX, fixed rate,\" yet late \npayments continue to be reported post-closure, which is contradictory and non\u0002compliant with Metro 2 formatting.","date_sent_to_company":"2024-10-31T21:37:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94014","tags":null,"has_narrative":true,"complaint_id":"10637359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-31T21:37:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Violations</em> Identified for the XXXX Account\nXXXX Incorrect Late <em>Payment</em> Reporting on a Closed Account\no The account shows 60-day late <em>payments</em> in both XXXX and XXXX 2024. <em>Metro</em> 2 \nguidelines prohibit reporting new delinquencies on closed accounts.\n2. Discrepancies in <em>Last</em> Activity Dates\no XXXX  lists the <em>last</em> activity as XX/XX/2024, while Experian reports it as \nXX/XX/2024, and XX/XX/XXXXreflects XX/XX/2024."]},"sort":[20.287975,"10637359"]},{"_index":"complaint-public-v1","_id":"10648176","_score":20.260218,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE \nREMEDIATION\nAccount: XXXX XXXX\nThis letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations\nassociated with the above-referenced account. Your agencys incorrect reporting of this account \nviolates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage \nto my credit profile. Immediate correction is required to avoid further escalation.\nViolations Identified for the XXXX Account\n1. Incorrect Late Payment Reporting on a Closed Account\no The account shows 60-day late payments in both XXXX and XXXX 2024. Metro 2 \nguidelines prohibit reporting new delinquencies on closed accounts.\n2. Discrepancies in Last Activity Dates\no XXXX  lists the last activity as XX/XX/2024, while Experian reports it as \nXX/XX/2024, and Equifax reflects XX/XX/2024. This inconsistency directly violates \n611 of the FCRA, which mandates accurate and consistent reporting.\n3. Failure to Align Payment History with Account Status\no The payment history indicates multiple late marks even after the account is \nmarked paid and closed, which creates an inaccurate reflection of the account's \nstanding.\n4. Dispute Status Not Updated\no The account is incorrectly marked as \"Account Not Disputed\", despite previous \nefforts to correct the reporting. This non-compliance with 623 of the FCRA\ndemonstrates a failure to properly handle disputes and ensure accurate updates.\n5. Conflicting Remarks and Status\no Remarks state, \"Closed or paid account / XX/XX/XXXX, fixed rate,\" yet late \npayments continue to be reported post-closure, which is contradictory and non\u0002compliant with Metro 2 formatting.","date_sent_to_company":"2024-10-31T21:37:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94014","tags":null,"has_narrative":true,"complaint_id":"10648176","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-31T21:37:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Violations</em> Identified for the XXXX Account\n1. Incorrect Late <em>Payment</em> Reporting on a Closed Account\no The account shows 60-day late <em>payments</em> in both XXXX and XXXX 2024. <em>Metro</em> 2 \nguidelines prohibit reporting new delinquencies on closed accounts.\n2. Discrepancies in <em>Last</em> Activity Dates\no XXXX  lists the <em>last</em> activity as XX/XX/2024, while Experian reports it as \nXX/XX/2024, and Equifax reflects XX/XX/2024."]},"sort":[20.260218,"10648176"]},{"_index":"complaint-public-v1","_id":"13742673","_score":20.205847,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : XXXX DELETION REQUEST - FCRA FACTUAL DISPUTE ERRORS & METRO 2 non-compliance violations for account deletion, according to 15 USC 1681e ( b ) To whom it may concern : I am the victim of the EQUIFAX XXXX data breach. B elow is a list of FCRA, FDCPA, Metro2 and Regulation V non- compliance violations made by EQUIFAX : EQUIFAX is also in violation of FCRA and Metro2 willful non-compliance violations, and factual dispute errors, see attachments for proof of errors of inaccuracies and incompleteness, with other areas of concern, currently made by EQUIFAX below : Incorrect payment dates Wrong payment history information for XX/XX/XXXX when account is marked as charged off, and there was no payment made for XX/XX/XXXX. \n\nEQUIFAX has reported on on-time payment ( C ), XXXX has reported ( CC ), there was no payment made for XX/XX/XXXX. ( See attachments ) Incomplete account numbers Mismatching dates from Bureaus Mismatching date of last activity Mismatching first date of delinquency Wrong balances Please see attachments This account ( XXXX Account ) is incorrect and incomplete DELETE THIS ACCOUNT EQUIFAX AND XXXX have already deleted the incorrect address below, XXXX MUST also DELETE this I was looking over my report and I noticed the account listed ( XXXX Account ) are not showing maximum possible accuracy, according to 15 USC 1681e ( b ) - date last active is not accurate, also, this account is charged off with inaccurate payment history information that was reported for XX/XX/XXXX, EQUIFAX reported an ontime payment for XX/XX/XXXX, there was no payment made for that date. \n\nDELETE THIS ACCOUNT ( XXXX card member services ) immediately for violation of 15 U.S.C. 1681e ( b ) EQUIFAX is in violation of FCRA Consumer law, Metro2 non-compliance violations, FDCPA violations, Regulation V. violations. \n\nPlease see attachments. \nDELETE XXXX ACCOUNT FROM MY CREDIT REPORT WITHIN ( 15 ) DAYS IMMEDIATELY, upon receipt of this complaint. THIS FEDERAL CFPB COMPLAINT WILL BE SENT TO MY ATTORNEY ASWELL, as I reserve the right to retain legal counsel against your company.","date_sent_to_company":"2025-05-23T03:05:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"13742673","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-23T01:32:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["B elow is a list of FCRA, FDCPA, <em>Metro</em>2 and Regulation V non- <em>compliance</em> <em>violations</em> made by EQUIFAX : EQUIFAX is also in <em>violation</em> of FCRA and <em>Metro</em>2 willful non-<em>compliance</em> <em>violations</em>, and factual dispute errors, see attachments for proof of errors of inaccuracies and incompleteness, with other areas of concern, currently made by EQUIFAX below : Incorrect <em>payment</em> dates Wrong <em>payment</em> history information for XX/XX/XXXX when account is marked as charged off, and there was no <em>payment</em> made for XX/XX/XXXX"]},"sort":[20.205847,"13742673"]},{"_index":"complaint-public-v1","_id":"13409639","_score":20.188093,"_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":["XXXX XXXX BANK REPORTS DELINQUENCIES IN A SEQUENCE THAT IS INCONSISTENT WITH <em>PAYMENT</em> HISTORY. THIS <em>VIOLATES</em> THE CONSUMER INFORMATION INDICATOR ( FIELD XXXX ) UNDER <em>METRO</em> 2. \n\nXXXX XXXX XXXX INCONSISTENT DATE OF <em>LAST</em> 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 <em>LAST</em> ACTIVE WITHOUT NEW <em>PAYMENT</em> ACTIVITY, WHICH IS A DIRECT <em>VIOLATION</em> OF <em>METRO</em> 2 AND FCRA 623 ( A ) ( 5 )."]},"sort":[20.188093,"13409639"]},{"_index":"complaint-public-v1","_id":"10589440","_score":20.035698,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the accuracy of the XXXX XXXX account XXXX as reported on my credit file. Upon reviewing this accounts reporting across the three credit bureaus, I found severe compliance violations under Metro 2 standards. Due to these ongoing issues, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : Equifax and XXXX both report this account as XXXX, while XXXX states, Merchandise was taken back by credit grantor ; there may be a balance due. Such inconsistent terminology across the bureaus fails to meet Metro 2 standards, which require uniformity in the reporting of account status. This inconsistency warrants deletion if XXXX XXXX XXXX not verify and align the status across all bureaus. 2.Conflicting Worst Delinquency : Equifax lists Repossession as the worst delinquency, XXXX shows no data, and XXXX reports Foreclosure. The significant discrepancies between these entries highlight non-compliance with Metro 2 standards, which mandate consistency. This failure compromises the integrity of this accounts reporting, and I demand its deletion if the data can not be rectified. \n3.Discrepancies in Last Updated Dates : The last updated date differs across bureaus : Equifax and XXXX list XX/XX/year>, while XXXX lists XX/XX/year>. An inability to provide a consistent last updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year Payment History : The payment history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of compliance with Metro 2 standards, which require a standardized reporting of payment history. This unreliability in reporting only underscores my demand for deletion. 5. Inconsistent Reporting of Derogatory Events : The record of derogatory events, such as 30, 60, and 90-day late payments, is conflicting across the bureaus. Equifax lists multiple delinquent events, while XXXX shows minimal information, and XXXX data is incomplete. The lack of uniformity directly violates Metro 2 standards, rendering this account inaccurate and unverifiable.","date_sent_to_company":"2024-10-26T15:17:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"10589440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-26T15:17:45.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["An inability to provide a consistent <em>last</em> updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year <em>Payment</em> History : The <em>payment</em> history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of <em>compliance</em> with <em>Metro</em> 2 standards, which require a standardized reporting of <em>payment</em> history."]},"sort":[20.035698,"10589440"]},{"_index":"complaint-public-v1","_id":"10589443","_score":20.009043,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the accuracy of the XXXX XXXX account XXXX as reported on my credit file. Upon reviewing this accounts reporting across the three credit bureaus, I found severe compliance violations under Metro 2 standards. Due to these ongoing issues, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : XXXX and TransUnion both report this account as XXXX, while XXXX states, Merchandise was taken back by credit grantor ; there may be a balance due. Such inconsistent terminology across the bureaus fails to meet Metro 2 standards, which require uniformity in the reporting of account status. This inconsistency warrants deletion if XXXX XXXX can not verify and align the status across all bureaus. 2.Conflicting Worst Delinquency : XXXX lists XXXX as the worst delinquency, TransUnion shows XXXX data, and XXXX reports Foreclosure. The significant discrepancies between these entries highlight non-compliance with Metro 2 standards, which mandate consistency. This failure compromises the integrity of this accounts reporting, and I demand its deletion if the data can not be rectified. \n3.Discrepancies in Last Updated Dates : The last updated date differs across bureaus : XXXX and TransUnion list XX/XX/year>, while XXXX lists XX/XX/year>. An inability to provide a consistent last updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year Payment History : The payment history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of compliance with Metro 2 standards, which require a standardized reporting of payment history. This unreliability in reporting only underscores my demand for deletion. 5. Inconsistent Reporting of Derogatory Events : The record of derogatory events, such as 30, 60, and 90-day late payments, is conflicting across the bureaus. XXXX lists multiple delinquent events, while TransUnion shows minimal information, and XXXX data is incomplete. The lack of uniformity directly violates Metro 2 standards, rendering this account inaccurate and unverifiable.","date_sent_to_company":"2024-10-26T15:17:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"10589443","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-26T15:17:45.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["An inability to provide a consistent <em>last</em> updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year <em>Payment</em> History : The <em>payment</em> history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of <em>compliance</em> with <em>Metro</em> 2 standards, which require a standardized reporting of <em>payment</em> history."]},"sort":[20.009043,"10589443"]},{"_index":"complaint-public-v1","_id":"10588741","_score":19.97243,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the accuracy of the XXXX XXXX account XXXX as reported on my credit file. Upon reviewing this accounts reporting across the three credit bureaus, I found severe compliance violations under Metro 2 standards. Due to these ongoing issues, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : XXXX and XXXX both report this account as Repossession, while Experian states, Merchandise was taken back by credit grantor ; there may be a balance due. Such inconsistent terminology across the bureaus fails to meet Metro 2 standards, which require uniformity in the reporting of account status. This inconsistency warrants deletion if XXXX XXXX XXXX not verify and align the status across all bureaus. 2.Conflicting Worst Delinquency : XXXX lists XXXX as the worst delinquency, XXXX shows no data, and Experian reports Foreclosure. The significant discrepancies between these entries highlight non-compliance with Metro 2 standards, which mandate consistency. This failure compromises the integrity of this accounts reporting, and I demand its deletion if the data can not be rectified. \n3.Discrepancies in Last Updated Dates : The last updated date differs across bureaus : XXXX and XXXX list XX/XX/year>, while Experian lists XX/XX/year>. An inability to provide a consistent last updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year Payment History : The payment history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of compliance with Metro 2 standards, which require a standardized reporting of payment history. This unreliability in reporting only underscores my demand for deletion. 5. Inconsistent Reporting of Derogatory Events : The record of derogatory events, such as 30, 60, and 90-day late payments, is conflicting across the bureaus. XXXX lists multiple delinquent events, while XXXX shows minimal information, and Experians data is incomplete. The lack of uniformity directly violates Metro 2 standards, rendering this account inaccurate and unverifiable.","date_sent_to_company":"2024-10-26T15:17:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"10588741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-26T15:07:08.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["An inability to provide a consistent <em>last</em> updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year <em>Payment</em> History : The <em>payment</em> history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of <em>compliance</em> with <em>Metro</em> 2 standards, which require a standardized reporting of <em>payment</em> history."]},"sort":[19.97243,"10588741"]},{"_index":"complaint-public-v1","_id":"15647803","_score":19.835367,"_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 Number Format <em>Violation</em> : The account number XXXX appears artificially masked or corrupted, failing to meet <em>Metro</em> 2s Consumer Account Number field integrity standards.\n\nTimeline Inconsistency : The <em>last</em> <em>payment</em> date ( XX/XX/XXXX ) conflicts with account closure and balance update dates, <em>violating</em> <em>Metro</em> 2s temporal data consistency requirements and FCRA 607 ( b )."]},"sort":[19.835367,"15647803"]},{"_index":"complaint-public-v1","_id":"11431466","_score":19.784517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Fraudulent and Non-Compliant Accounts To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, I am disputing the following accounts as inaccurately reported on my Experian credit profile. These accounts are in direct violation of 15 U.S.C. 1681e ( b ), 1681s-2, and 1681i. Each account lacks compliance with Metro 2 reporting standards and fails to meet the legal threshold for accuracy, completeness, and verifiability.\n\nI am requesting that you thoroughly review my credit report, paying special attention to all data entries. You must ensure that all entries comply with the Fair Credit Reporting Act ( FCRA ) and meet Metro 2 format reporting standards. For each account listed, I require physical, verifiable proof that you have confirmed the information is accurate and compliant with all relevant regulations. Similarly, for each inquiry, I request proof that the creditor had a permissible purpose for accessing my report.\n\nI am giving you a 30-day period to investigate these discrepancies. If you are unable to provide evidence that the information is valid, accurate, and compliant, I demand that you immediately remove the disputed entries from my credit report. Furthermore, I request that you send me physical proof of the actions you take to correct my credit report, including a new, updated copy of my report reflecting these changes.\n\nThe failure to correct these issues immediately will leave me no choice but to pursue all legal remedies, including seeking damages under 15 U.S.C. 1681n for willful non-compliance. Below, I outline each account, specific violations, and the corrective actions required.\n\nBelow is a list of the accounts I am disputing, along with specific concerns regarding the discrepancies : ________________________________________ XXXX. XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) ** FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy. Payment history reflects late payments without evidence or validation.\n\n15 U.S.C. 1681s-2 ( b ) : Data furnishers must investigate disputed information, yet inaccuracies persist.\n\n15 U.S.C. 1681i ( a ) : Failure to conduct a thorough reinvestigation.\n\nMetro 2 Non-Compliance : '' Balance Owed '' ( {$16.00} ) and \" Last Payment Date '' ( XX/XX/XXXX ) are inconsistent with historical data. \nPayment history inaccurately reflects delinquent payments without evidence '' Account Status '' is not properly reported, and data fields deviate from industry-standard codes.\n\nReported balance exceeds the credit limit, violating Metro 2 compliance.\n\nPayment history contains inaccuracies and unverifiable dates.\n\nAction Demanded : Immediate deletion of unverifiable late paymens from this unverifiable account or delete account from my credit profile. \n________________________________________ XXXX. XXXX XXXX ( Account # XXXX ) ** FCRA Violations : 15 U.S.C. 1681e ( b ) : Inaccurate reporting of balance exceeding credit limit.\n\n15 U.S.C. 1681s-2 ( a ) : Prohibition against reporting unverifiable and false data.\n\n15 U.S.C. 1681i ( a ) : Negligence in reinvestigating disputed inaccuracies.\n\nMetro 2 Non-Compliance : Payment history inaccurately reflects delinquent payments without evidence Credit limit ( {$500.00} ) and balance owed ( {$560.00} ) are contradictory.\n\n\" Payment Status '' and \" Last Payment Date '' fields lack proper validation.\n\nAction Demanded : Remove this accounts fraudulent late payments or delete this non-compliant account from my credit file. \n________________________________________ XXXX. XXXX XXXX ( Account # XXXX ) ** FCRA Violations : 15 U.S.C. 1681e ( b ) : Inaccurate and incomplete \" Payment History '' and \" Date of Last Activity. '' 15 U.S.C. 1681s-2 ( b ) : Furnisher failed to validate account details during disputes.\n\nMetro 2 Non-Compliance : '' Credit Limit '' reported as {$0.00} does not align with Metro 2 standards.\n\nPayment history inaccurately reflects delinquent payments without evidence.\n\nMetro 2 fields for \" Account Status '' and \" High Balance '' are incomplete and misleading.\n\nThe High Balance '' and \" Last Payment Date '' fields contain discrepancies and remain unverifiable.\n\nAction Demanded : Immediate removal of late payments due to persistent inaccuracies and failure to comply with Metro 2. Deletion of account in its entirety violation of metro 2 reporting inaccurate data and has been removed and deleted by Equifax. \n________________________________________ XXXX. XXXX ( Account # XXXX ) ** FCRA Violations : 15 U.S.C. 1681e ( b ) : Erroneous \" Account Closure Remarks '' and term length reporting.\n\n15 U.S.C. 1681i ( a ) : Inadequate reinvestigation of disputed data.\n\nMetro 2 Non-Compliance : '' High Balance '' ( {$25000.00} ) and \" Payment Amount '' ( {$0.00} ) fields deviate from compliance guidelines.\n\nReporting on \" Account Status '' is incomplete and misleading.\n\nMisreported payment status and high balance data are inaccurate.\n\nFailure to report closure details correctly under Metro 2 guidelines.\n\nAction Demanded : Delete immediately due to account status closed, data inaccuracies, and Metro-2 compliance violations.\n\n________________________________________ Immediate Corrective Actions Required 1. Conduct a thorough reinvestigation of all disputed accounts within 30 days as required by 15 U.S.C. 1681i ( a ).\n\n2. Provide complete and verifiable documentation for each account, including original creditors records.\n\n3. Remove all accounts that fail to meet FCRA or Metro 2 compliance standards.\n\nFailure to Act Failure to comply will result in legal action under 15 U.S.C. 1681n for willful non-compliance, attached are formal complaints to the Consumer Financial Protection Bureau ( CFPB ), XXXX, Better Business Bureau, and My State Attorney General XXXX XXXX. I will also seek monetary damages for harm caused by negligent and reckless reporting. \nConclusion I expect a detailed response and resolution. Please confirm all actions taken to correct my credit report and provide an updated copy within the statutory timeline. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-08T18:31:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"11431466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T18:03:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Metro</em> 2 Non-<em>Compliance</em> : '' Balance Owed '' ( {$16.00} ) and \" <em>Last</em> <em>Payment</em> Date '' ( XX/XX/XXXX ) are inconsistent with historical data. \n<em>Payment</em> history inaccurately reflects delinquent <em>payments</em> without evidence '' Account Status '' is not properly reported, and data fields deviate from industry-standard codes.\n\nReported balance exceeds the credit limit, <em>violating</em> <em>Metro</em> 2 <em>compliance</em>.\n\n<em>Payment</em> history contains inaccuracies and unverifiable dates."]},"sort":[19.784517,"11431466"]},{"_index":"complaint-public-v1","_id":"10589906","_score":19.746252,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. \n\nCompliance Issues and Inconsistencies : 1.Inconsistent Payment Status : XXXX and XXXX report this account as Charge-off, while Experian lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. \n2.Conflicting Last Updated Dates : The last updated date for XXXX and XXXX is reported as XX/XX/year>, while Experian shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified.\n\n3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. \n4.Irregular Derogatory Events : XXXX lists 30, 60, and 90-day late payments spanning various months, whereas XXXX and Experian do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.","date_sent_to_company":"2024-10-26T15:03:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"10589906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-26T14:50:37.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This inconsistency in reporting charge-offs across bureaus <em>violates</em> <em>Metro</em> 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. \n2.Conflicting <em>Last</em> Updated Dates : The <em>last</em> updated date for XXXX and XXXX is reported as XX/XX/year>, while Experian shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further <em>violating</em> <em>compliance</em> standards."]},"sort":[19.746252,"10589906"]},{"_index":"complaint-public-v1","_id":"10589838","_score":19.74325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. \n\nCompliance Issues and Inconsistencies : 1.Inconsistent Payment Status : XXXX and TransUnion report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. \n2.Conflicting Last Updated Dates : The last updated date for XXXX and TransUnion is XXXX as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. \n3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. \n4.Irregular Derogatory Events : XXXX lists 30, 60, and 90-day late payments spanning various months, whereas TransUnion and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.","date_sent_to_company":"2024-10-26T15:03:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"10589838","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-26T15:03:36.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This inconsistency in reporting charge-offs across bureaus <em>violates</em> <em>Metro</em> 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. \n2.Conflicting <em>Last</em> Updated Dates : The <em>last</em> updated date for XXXX and TransUnion is XXXX as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further <em>violating</em> <em>compliance</em> standards."]},"sort":[19.74325,"10589838"]},{"_index":"complaint-public-v1","_id":"10589837","_score":19.707607,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. \n\nCompliance Issues and Inconsistencies : 1.Inconsistent Payment Status : Equifax and XXXX report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. \n2.Conflicting Last Updated Dates : The last updated date for Equifax and XXXX is reported as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. \n3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. \n4.Irregular Derogatory Events : Equifax lists 30, 60, and 90-day late payments spanning various months, whereas XXXX and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.","date_sent_to_company":"2024-10-26T15:03:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"10589837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-26T15:03:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This inconsistency in reporting charge-offs across bureaus <em>violates</em> <em>Metro</em> 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. \n2.Conflicting <em>Last</em> Updated Dates : The <em>last</em> updated date for Equifax and XXXX is reported as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further <em>violating</em> <em>compliance</em> standards."]},"sort":[19.707607,"10589837"]},{"_index":"complaint-public-v1","_id":"14806272","_score":19.634438,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Reinvestigation and Full Compliance Review under FCRA, TILA, FCBA, FDCPA, and Metro 2 To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file.\n\nPursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under Metro 2 compliance guidelines, including all data fields and condition codes. \n\nAccount Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX The Date of Last Activity is inconsistent : TransUnion reports XX/XX/XXXX Equifax and Experian reports XX/XX/XXXX Violation of FCRA 607 ( b ) and Metro 2 Field 25 ( inaccurate and misleading reporting of aging ) Nature of Dispute : Metro 2 Data Inconsistency : The remarks, times of days late, and date of last activity differ from the data reported to other bureaus, indicating a reporting failure. \nCharge-off status must be validated with documentation from the original creditor. If the collection agency fails to provide a full chain of custody of the debt, this entry should be removed. \nThis account, the required 'Consumer Disputes ' compliance remark appears to be missing. I am requesting an immediate investigation and removal of these errors. If the information can not be fully verified in compliance with FCRA and Metro 2 guidelines, I demand its removal from my credit report.\n\nThe account status conflicts : Equifax : Open- Charge Off Transunion and Experian : Charged Off Collection/ Charge-off Violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 Field 17 ( status codes must be consistent across CRAs ) The payment history is entirely missing : All bureaus show No History Available Violation of Metro 2 reporting standards ( field omission reduces transparency and accuracy ) The charge-off date is suspiciously aged : Last activity in XXXX vs. XXXX may indicate artificial account extension Possible violation of FCBA and TILA, which govern aging and accurate charge-off practices This may indicate either : The debt is unverifiable and thus omitted by other CRAs. \nThe data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( 1 ) ( A ).","date_sent_to_company":"2025-07-22T18:31:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92394","tags":null,"has_narrative":true,"complaint_id":"14806272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Armcon Corp","date_received":"2025-07-22T18:26:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The account status conflicts : Equifax : Open- Charge Off Transunion and Experian : Charged Off Collection/ Charge-off <em>Violation</em> of FCRA 623 ( a ) ( 1 ) ( A ) and <em>Metro</em> 2 Field 17 ( status codes must be consistent across CRAs ) The <em>payment</em> history is entirely missing : All bureaus show No History Available <em>Violation</em> of <em>Metro</em> 2 reporting standards ( field omission reduces transparency and accuracy ) The charge-off date is suspiciously aged : <em>Last</em> activity in XXXX vs."]},"sort":[19.634438,"14806272"]},{"_index":"complaint-public-v1","_id":"15467758","_score":19.575445,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Compliance Department, I am formally disputing the accuracy, integrity, and completeness of the above-referenced tradeline on my Experian consumer report. This account is being reported in direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, 623 ), FTC guidance, Metro 2 reporting standards, and the CDIAs 5 Pillars of Data Quality ( Accuracy, Integrity, Consistency, Timeliness, Completeness ).\n\nAfter reviewing my report and comparing across CRAs, I demand immediate investigation and correction/deletion for the following violations : Itemized Violations False Payment Status ( Late 60 Days ) Violation : Account is Paid/Closed with {$0.00} balance & {$0.00} past due, yet Experian codes it as Late XXXX  Days. \n\n\nMetro 2 Violation : Field XXXX ( Account XXXX ) must be XXXX = Paid/Closed, not delinquent. XXXX XXXX ( XXXX XXXX ) must be XXXX = XXXX. \n\n\nXXXX XXXX : XXXX Disputes present/previous account status/payment rating.\n\nFCRA Violation : 607 ( b ) ( maximum possible accuracy ).\n\nCDIA Pillars Broken : Accuracy, Integrity, Consistency.\n\nRe-aged Date of Last Activity ( DLA ) Violation : Experian reports XX/XX/XXXX as Date Last Active, while XXXX correctly XXXX XX/XX/XXXX. This is an illegal re-aging to make the account appear more recent.\n\nMetro 2 Violation : Field XXXX ( Date of Account XXXX ) must reflect the actual closure date, not an invented date.\n\ne-OSCAR Code : 016 Disputes DLA / Date Closed / Date Last Payment.\n\nFCRA Violation : 623 ( a ) ( 2 ) duty to correct and update information.\n\nCDIA Pillars Broken : Accuracy, Timeliness, Consistency.\n\nOmission of Closed/Paid Comment Violation : TU & XXXX XXXX report closure comments. Experian omits this, misleadingly leaving only derogatory status. \n\n\nXXXX XXXX Violation : Field XXXX ( Special Comment ) requires accurate closure notation ( Closed/Paid, XXXX Balance ). \n\n\nXXXX XXXX : XXXX Consumer disputes comments. \n\n\nFCRA Violation : XXXX duty to investigate and correct disputed data. \n\n\nCDIA Pillars Broken : Completeness, XXXX. \n\n\n\nDate of Last Payment Inconsistency Violation : Experian lists XX/XX/XXXX while Equifax reports XX/XX/XXXX. \n\n\nMetro 2 Violation : Field XXXX ( Date of XXXX XXXX ) must exactly match verified creditor records. \n\n\ne-OSCAR Code : 016 Disputes Date of Last Payment.\n\nFCRA Violation : 607 ( b ). \n\n\nCDIA Pillars Broken : Accuracy, Consistency. \n\n\n\nIncorrect Date Opened Violation : Experian reports XX/XX/XXXX, TransUnion reports XX/XX/XXXX. \n\n\nMetro 2 Violation : Field XXXX ( Date Opened ) must be precise and uniform across CRAs. \n\n\ne-OSCAR Code : XXXX Disputes Date Opened. \n\n\nFCRA Violation : 607 ( b ).\n\nCDIA Pillars Broken : Accuracy, Consistency.\n\nDEMAND FOR CORRECTION In light of the above : This tradeline is being reported in violation of FCRA, FTC regulations, Metro 2 standards, and CDIA compliance.\n\nYou are required under FCRA 611 to conduct a reasonable investigation and under 623 ( a ) ( 2 ) to correct or delete unverifiable, inaccurate, or incomplete information.\n\nIf you can not correct these violations with full Metro 2 compliance within 30 days, you must delete the tradeline in its entirety.\n\nNotice of Intent If Experian fails to correct or delete these violations, I will : File complaints with the CFPB, FTC, and State Attorney General, Pursue damages under FCRA 616 & 617, Provide documentation of your violations in civil proceedings.","date_sent_to_company":"2025-08-23T07:00:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit 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