Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type Multifamily MR- XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Resident type Single family ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX On record uXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Record details Record type XXXX XXXX bankruptcy discharged Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information - XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$1000.00} written off. 


XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 


XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$660.00} written off. 


XXXX XXXX XXXX Potentially negative Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under metro 2 guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation