Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention. It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 

1. The balances are in flatted on accounts.

2. The date of the Last Activity are inaccurate.

3. The date Opened are inaccurate.

4. The Closed Date is incomplete on accounts.

5. The Dispute Status is incorrect.

6. The Payment History is incomplete and inaccurate. 
here are the account that need to be reinvestigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that my intention is not to dispute ownership or responsibility for these accounts. Rather, I seek transparency and accountability in the reporting process. If you are unable to substantiate the claims made in my credit report, I expect them to be promptly removed or updated to reflect accurate information. 
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to this dispute. 

Upon scrutinizing my consumer credit file, I've come across glaring instances of FRAUDULENT or UNAUTHORIZED credit inquiries. As per the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681I ), I hold the legal right to contest information in my consumer credit report, whether through direct dispute or by verifying Metro 2 compliant reporting. Also I do not or have not done any business or have an open account with any of these people. Inaccurate Inquires. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am LEGALLY requesting physically verifiable PROOF of permissible purpose that fully complies with Metro 2 regulations. Should such PHYSICAL evidence of PERMISSIBLE purpose not be forthcoming upon receipt of my WRITTEN request, then I strongly urge you to nullify by means of COMPLETE DELETION the entire record of unverified, unproven derogatory inquiries lodged against me. This is due to the absence of PHYSICAL, irrefutable METRO 2 compliant EVIDENCE supporting the LEGITIMACY of said reporting. No irrefutable EVIDENCE has been presented to suggest or demonstrate that either myself or any other authorized party has granted ANY authorization for such access to my consumer credit file or the documented HARD INQUIRIES resulting from it. Therefore, if you are UNABLE or UNWILLING to provide PHYSICAL METRO 2 compliant EVIDENCE to support the reporting of these fraudulent and unfounded inquiries, I DEMAND full ERADICATION and EXPUNGEMENT of said items from my credit file. In my view, the proposed solution of FULL DELETION is the most appropriate course of action. Should you persist in violating the Fair Credit Report Act by refusing to provide evidence of compliant reporting or by denying my request for FULL deletion within the allotted 30-day investigation period ( FCRA 623 ( a ) ( 3 ) ), I will be compelled to initiate a civil LAWSUIT in my district small claims court against your company. In such a lawsuit, I will seek damages in the amount of {$1000.00} PER Violation, up to the MAXIMUM monetary amount allowed for damages in cases of this nature. 

Please take the time and consideration to remove the incorrect information from my credit report, within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day.