Consumer complaint received 2024-02-16
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. (HI)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX Please remove from my public record XXXX XXXX XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX  XXXX XXXX - Account NumberXXXX This is not mine. 

XXXXXXXX XXXX XXXXXXXX - Account NumberXXXX Please Update all payments, all pay was made on time. 

XXXXXXXX XXXX XXXX - Account NumberXXXX My parent has the same name as me. 

XXXX XXXX XXXX - Account NumberXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX XXXX XXXX - Account NumberXXXX Please Update all payments, all pay was made on time. 

XXXX XXXXXXXX XXXX XXXX - Account Number:XXXX Please remove it from my public record XXXX XXXX XXXX - Account NumberXXXX Please Update all payments, all pay was made on time. 

XXXX XXXX XXXX - Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i I presume that no proof of the alleged debt nor therefore any such debt exists XXXX XXXX/XXXX/XXXX  - Account NumberXXXX THIS CONTRACT IS CANCELED XXXX  - Account Number:XXXX XXXX  - Account NumberXXXX Please ensure that all information is accurate XXXX/XXXX  - Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i I presume that no proof of the alleged debt nor therefore any such debt exists XXXX/XXXX  - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account NumberXXXX Please remove it from my public record XXXX XXXX - Account Number:XXXX Please ensure that all information is accurate XXXX XXXX XXXX Account NumberXXXX Please supply information on how you have verified this item. 

XXXX XXXX - Account NumberXXXX This is not mine. 

XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX  - Account NumberXXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX - Account NumberXXXX This is not mine.