Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFY your right to report erroneously and or deficient of evident compliance of factual reporting, particularly in relation to mandatory perfect PROCESSES of lawful reporting and the mandatorily perf These are REQUIREMENTS for reporting, NOT OPTIONS, therefore PRODUCE irrefutable DOCUMENT verified PROOF of claims and the claim 's reporting processes and format ( XXXX ) compliance, or else ERASE said claim, whether it is true or not. SO DO IT NOW! 

XXXX My Date of Birth is and only is XXXX Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFY your right to report erroneously and or deficient of evident compliance of factual reporting, particularly in relation to mandatory perfect PROCESSES of lawful reporting and the mandatorily perf These are REQUIREMENTS for reporting, NOT OPTIONS, therefore PRODUCE irrefutable DOCUMENT verified PROOF of claims and the claim 's reporting processes and format ( XXXX ) compliance, or else ERASE said claim, whether it is true or not. SO DO IT NOW!

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate.

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations.I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Send me a physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Any deviation from these standards jeopardizes the data 's integrity, as indicated in the XXXX  as well. This means that any inaccuracies in the reporting of claims can reduce the accuracy of the information and have an impact on any reports that are subject to federal regulation.

Because of this, I'm using my right to object to these erroneous and illegal actions. Ignoring my request will only show that you don't care about my consumer rights. You should not disclose information that does not follow certified reporting rules or that has not been ethically validated. Once more, I refute these charges and demand proof of the proper reporting procedures. 

My rights are being violated by you! I've discussed my concerns with relation to your reporting in this document. If you don't attest that all necessary FCRA/Metro 2 compliance is carried out honestly, correctly ( on time ), totally, and accurately as well, I'll have to escalate these issues to the CFPB, FTC, and my Attorney General. It is incomplete and does not adhere to the legal requirements I set forth. 

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