Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Dear Sir, Madam, or to whom elsewise it may concern
I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful
details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected.
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the 2020 XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. Listed below are the Personal Information that are being challenged Incorrect Name: - XXXX XXXX
Employer - XXXX XXXX
Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Employer - XXXX
Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX XXXX
Employer - XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Incorrect Name: - XXXX XXXX
The following personal information is incorrect - The personal data reporting is inaccurate.
Incorrect Name: - XXXX XXXX
I kindly request your immediate attention and prompt resolution of any inaccuracies within your database concerning the recorded names. It is critical to acknowledge that my authentic and precise name is XXXX XXXX. Should your system contain any conflicting information contrary to my explicit declaration, I earnestly
insist that you expeditiously rectify these disparities without delay. Your swift compliance with this matter is
greatly appreciated.
Employer - XXXX XXXX
The following personal information is incorrect - The personal data reporting is inaccurate. I humbly request that you kindly update your records with regard to Employer and XXXX XXXX. I have noticed that the information contained therein is currently inaccurate and does not meet the minimum standards for accuracy. As you may be aware, inaccurate data can have serious implications, and failure to correct it may result in legal action. I strongly believe that inaccurate information has no place in your records or on my credit report, and I earnestly demand that it be removed without delay. Your prompt attention to this matter would be greatly appreciated. Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The following personal information is incorrect - The personal data reporting is inaccurate. I would like to emphasize the significance of maintaining accurate and timely personal information, which should be verifiable as well. It is imperative that your credit profile adheres to the guidelines set forth by the Fair Credit Reporting Act (FCRA) and Metro 2 standards. In order to ensure compliance, I kindly request the deletion of any address within your system that does not align with my specific address of XXXX XXXX XXXX XXXX XXXX XXXX. Your prompt attention to this matter is greatly appreciated as it will contribute to the proper handling of my personal information and uphold the standards expected in our interactions.
Employer - XXXX
The following personal information is incorrect - The personal data reporting is inaccurate. I am writing to request your prompt attention to the records associated with the Employer - XXXX. It
has come to my attention that the current records are inaccurate and do not meet the minimum standard for accuracy. As a responsible and law-abiding individual, it is my duty to bring this matter to your attention and request immediate corrective action. Please be advised that failure to correct the inaccurate data may result in legal action. It is imperative that inaccurate information is removed from both your records and my credit report without delay. I trust that you will take the necessary measures to ensure the accuracy of your records and avoid any legal complications. Incorrect Previous Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The following personal information is incorrect - The personal data reporting is inaccurate. It is of utmost importance that your personal information is maintained with accuracy, timeliness, and verifiability. In compliance with the Fair Credit Reporting Act (FCRA) and Metro 2 standards, it is imperative that you possess the appropriate documentation to support your credit profile. Therefore, I kindly request that you promptly remove any address from your system that does not align with my specific address of XXXX XXXX XXXX XXXX XXXX XXXX. Ensuring this alignment will contribute to the integrity of the information and foster a stronger adherence to regulatory requirements. Your attention to this matter and subsequent action are greatly appreciated. Employer - XXXX XXXX XXXX
The following personal information is incorrect - The personal data reporting is inaccurate. Dear Employer, I kindly request that you update your records as soon as possible, as I have noticed they are currently inaccurate and do not meet the minimum standard for accuracy. It is crucial to correct any inaccurate data promptly to avoid any potential legal action. Having inaccurate information on both your records and my credit report is unacceptable, and I demand that it be removed immediately.
XXXX XXXX XXXX
Please verify. - This is inaccurately reporting on my report.
Kindly be apprised that the provided XXXX  associated with XXXX  has been scrutinized and noted for potential deviations from the mandatory ethical and compliant reporting standards pertinent to the stated claim. It has come to attention that any variance from these established standards raises concerns about the credibility of the submitted data. Noteworthy indications have surfaced, suggesting possible discrepancies in adhering to the requisite certifiably compliant Metro 2 format Standard(s) for reporting. XXXX  - XXXX
Please verify. - This is inaccurately reporting on my report.
Kindly verify and confirm the accurate and compliant reporting of the mentioned XXXX XXXX XXXX. The alleged deviation from compliant reporting standards or potential factual discrepancies warrant a thorough certification of the undeniable accuracy, physical verification, completeness, timeliness, and adherence to regulatory requirements. If any aspect of the claim does not meet these criteria, please promptly remove it from the records. This includes strict adherence to the meticulously structured and comprehensive Metro 2 format for compliant reporting. Your immediate attention to this matter is appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Obtaining information under false pretense. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. I would like to bring to your attention the matter concerning the alleged XXXX  status of XXXX XXXX XXXX XXXX XXXX XXXX. It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report.
XXXX XXXX XXXX XXXX XXXX
XXXX. Obtaining information under false pretense. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken against your company for non-compliance with the relevant legal requirements. It is crucial for us to have accurate information from documentaries to avoid unforeseen complications in the future, which could have been preventable with proper care for accuracy over mere convenience.
XXXX XXXX XXXX 15 USC 1681e(b) collections must be 100% accurate across all three bureaus - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance. I am profoundly disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which constitutes a significant deficiency. I demand the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is imperative that we have comprehensive knowledge through accurate documentation to avoid being unprepared for potential future issues caused by preventable factors due to negligence towards accuracy in favor of convenience alone.
XXXX XXXX XXXX 15 USC 1681e(b) collections must be 100% accurate across all three bureaus. - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance. I regret to express my disappointment regarding your failure to furnish comprehensive documentation substantiating your adherence to compliance reporting standards and relevant consumer laws. This glaring deficiency is of utmost concern. I hereby insist that this flawed and inaccurate report be expunged without delay, failing which, legal recourse shall be pursued against your company for its non-compliance with specific statutory requirements pertaining to these matters. It is imperative that we possess a thorough understanding of the content showcased in documentaries to safeguard against potential unforeseen issues that could have been averted had meticulous attention and conscientiousness been prioritized over mere convenience.
XXXX XXXX XXXX XXXX  Obtaining information under false pretense. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. I express my profound disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of the flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is crucial for us to have comprehensive knowledge through accurate documentation, ensuring we are well-prepared to address potential issues in the future. I, as a consumer, wish to express my apprehensions concerning your reporting procedures as delineated in this document. It is my conviction that your reporting falls short of comprehensive compliance with the stipulations set forth by both the Fair Credit Reporting Act (FCRA) and the Metro 2 compliance requisites. These regulations explicitly dictate the imperative of furnishing precise and punctual information to forestall any potential encroachment upon my rights. Sincerely, XXXX XXXX