Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' 12 CFR Part 1022, sometimes known as Regulation V, mandates that furnishers : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that errors in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX  XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Collection {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Collection {$180.00} XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$660.00} XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX XXXXXXXX Collection {$950.00} XXXX ( XXXX Creditor : XXXX XXXX  ) XXXX XXXX  {$950.00} XXXX XXXX XXXX  {$710.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Collection {$710.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Collection {$230.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$1000.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX  XXXX Charge-off {$6300.00}

Company response to consumer: Closed with non-monetary relief