Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I respectfully dispute any inaccurate or unsupported information in my credit report, adhering to the FCRA and metro 2 reporting standards. Unsubstantiated claims of delinquency are unacceptable. Ensure factual and lawful reporting. Provide physical evidence or remove false allegations. Please mail documentation and an updated credit report. 
I express deep disappointment and frustration regarding the inclusion of false or undocumented details in my credit report. Unproven claims tarnish the integrity of the report. It is your duty, under federal and state laws, to accurately and completely report allegations, refraining from unlawful claims. I urge you to verify the accuracy of your reporting in accordance with the XXXX XXXX standards. Provide tangible evidence supporting the account 's existence and permissible usage. Failure to do so necessitates the removal of the account from the report. I authorize you to mail me physical documentation outlining your actions and an updated credit report. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXXXX/XX/XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Why are you still reporting this when I told you it is not correct? - Please delete immediately! 
I've noticed a concern with the [ incorrect_field ], and it is essential to uphold strict regulatory credit reporting standards. This encompasses thorough document verification and validation processes, now of utmost importance. I kindly request official, tangible evidence showcasing your company 's adherence to these regulations, ensuring 100 % accuracy and compliance with credit-reporting guidelines. 
Why are you still reporting this when I told you it is not correct? - Please delete immediately! 
Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX I am writing to express my deep concern, disappointment and frustration regarding the address associated with my account. It has come to my attention that despite multiple requests, the said address- which is no longer valid and has been deemed non-deliverable by the United States Postal Service- still remains on my file. I kindly request that you take immediate action to rectify this issue as I am greatly concerned about the possibility of identity fraud, and any delay could lead to serious consequences. 
It is imperative that you understand the gravity of the situation, and the potential ramifications of any incorrect personal information on my file. I remind you that I have never resided at the said address and demand that you remove it from my credit file with immediate effect. I expect nothing less than your utmost cooperation and efficiency in handling this sensitive matter. 
XXXX XXXX XXXX : {$25000.00} PERSONAL INFORMATION Previous Address ( es ) BS- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Previous Address ( XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX of XXXX Account # XXXX XXXX (! ) Account Type Educational Detail Credit Limit XXXX Balance XXXX Monthly Payment XXXX {$0.00} {$25000.00} (! ) {$300.00} (! ) Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) XX/XX/XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX XXXX XX/XX/XXXX XXXX XXXX {$8500.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date OpenedXX/XX/XXXXXX/XX/XXXX (! ) XXXX Code - Comments XXXX Student loan Payment Status XXXX Current No. of Months ( terms ) XXXX XXXX (! ) Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late!

I am profoundly disappointed and alarmed to discover that the information pertaining to my account, identified as XX/XX/XXXX- XXXX, in your database fails to meet the most basic standards of accuracy and currency. Immediate rectification is imperative, as further delay will leave me with no choice but to pursue legal measures. It is essential to remove these inaccurate and flawed entries from your database and my credit report without any further delay. 
XXXX XXXX XXXX : {$39000.00} Account # XXXX XXXX (! ) Account Type Educational Detail Credit Limit XXXX Balance XXXX XXXX XXXX {$0.00} {$39000.00} (! ) {$0.00} Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) XX/XX/XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX XXXX Installment XXXX XXXX XXXX {$12000.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date Opened BS- XXXX XX/XX/XXXX (! ) XXXX Code - Comments XXXX XXXX Payment Status XXXX Current No. of Months ( terms ) XXXX XXXX (! ) Student loan - payment deferred Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XX/XX/XXXX- XXXX, I must express my sincere disappointment and deep concern regarding the alleged delinquency and derogatory claim ( XXXX ) associated with the provided information. As it stands, the reported data lacks the essential and mandatory document proof required to substantiate the current negative reporting. It is disheartening that this negativity has been asserted without proper verification, raising significant doubts about its accuracy, truthfulness, and timeliness. Consequently, I respectfully demand an immediate and complete deletion of all aspects of this alleged negativity to uphold the integrity of ethical and lawful reporting practices as mandated by established standards for consumer credit. 
XXXX XXXX XXXX : {$4100.00} Account # XXXX XXXX XX/XX/XXXXLimit XXXX {$0.00} Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} (! ) Date Last Active XX/XX/XXXX (! ) XXXX Account Type Detail Bureau Code Comments XXXX - (! ) - XXXX XXXX XXXX XXXX XXXX {$4100.00} (! ) {$0.00} (! ) Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) Account XXXX XXXX XXXX (! ) XXXX XXXX XXXX {$4100.00} (! ) Date Opened BS- XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Consumer disputes after resolution Charged off account Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- I do not recall ever doing business with this company. Please delete from my report! 
I am deeply disappointed by your failure to provide documented evidence of compliance with reporting standards and consumer laws. This significant deficiency requires the immediate removal of the flawed and inaccurate report. Failure to comply will result in legal action against your company for non-compliance with the specific requirements outlined by law in these matters. It is crucial for us to understand the information conveyed in documentaries to avoid being caught off guard when facing potential future challenges. Such issues could have been prevented if those with superior knowledge had prioritized accuracy over mere convenience. 
I wish to express my disappointment and concern regarding the practice of issuing standardized form letters in response to consumer disputes and challenges, regardless of the specific information provided. It is essential to emphasize that this approach is not in compliance with the law, which mandates the individual and merit- based handling of each dispute and challenge. I would like to clarify that the letters I submitted were generated using widely available software. Failure to process these letters would constitute a violation of XXXX XXXX XXXX XXXX XXXX. I respectfully remind you that delaying the processing of consumer letters under the assumption of third- party assistance is not legally permissible. 
Please be aware that I am the sole author of any correspondence bearing my name. Should you neglect to expedite the processing of my letters, I will interpret it as a deliberate disregard for my consumer rights. In such an event, I will have no choice but to seek legal counsel and initiate appropriate legal action to address this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief