Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  ( Original Creditor : XXXX XXXX  ) ( XXXX ) - ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  ) - XXXX Equifax Equifax XXXX Derogatory {$130.00} Subject has not satisfied debt. XX/XX/XXXX XX/XX/XXXX - - - 2 Year Payment History Creditor Type : - Date Reported : - High Balance : XXXX Past Due Amount : XXXX Payment Status : XXXX Collection XX/XX/XXXX {$130.00} - Collection/Chargeoff Account # : XXXX Account Status : XXXX Balance Owed : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX Last Payment : XXXX Payment Amount : XXXX Term Length : XXXX Account Description : Individual Account Type : XXXX Collection Credit Limit : XXXX - Your information is outdated and does not meet the minimum accuracy requirements. I am demanding that you update it immediately or face legal action. Inaccurate information has no place in your database or on my credit report, so please delete it now. 
Also, see the image above for XXXX  ( Original Creditor : XXXX XXXX  ) ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Account Status ( XXXX ) presenting Derogatory I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. 
Upon inspecting Account # ( XXXX ) exhibiting XXXX. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. 
Bring to your attention Balance Owed XXXX XXXX ) reporting {$130.00} I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
When I scrutinized Date Reported ( - ) presenting XX/XX/XXXX. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards In appreciation, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with explanation