Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: GA
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:
TODAY IS XXXX XXXX XXXX  My First & LAST name, are as Follows : XXXX XXXX XXXX XXXX My Street NUMBER & Street NAME are as Follows : XXXX XXXX XXXX XXXX XXXX My City and State are as Follows : XXXX, Georgia ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECI, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.

RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physical verifiability of the CONFIRMED manual.

validation of any item upon a consumer complaint such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

To whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogator item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and never!

Below are the accounts in question : Account Name XXXX Account Number Account Number : XXXX Account name XXXX XXXXXXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name DEPT OF ED/XXXX  Account Number : XXXX Account Name DEPT OF ED/XXXX  Account Number : XXXX Account Name DEPT OF ED/XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Fresh Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name World Finance Account Number XXXX Account Name OXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or elsewise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks.

Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumer 's credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.

This letter is regarding my account ( s ) with you, as noted above-> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse accounts ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above-> ( unlawfully so mind you ). It seems to be asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws.

Please note that I am requesting " validation '' ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreements ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance -> the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the account 's payment history as " paid or pays as agreed, NEVER LATE entry ''.

Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports. Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX+ per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting ) as is mandated by my State 's laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my State 's credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IN BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the account 's history as being " PAID/PAYS as AGREED -- NEVER LATE ''. Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have without any delays, directed each to eliminate any and all adverse remarks and further to display.

" PAID or PAYS as AGREED, NEVER LATE! " Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. Nevertheless, these accounts have been unlawfully sold to other corporations. 

In genuine sincerity, XXXX XXXX

Company response to consumer: Closed with non-monetary relief