Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile. The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true. Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it I am writing to formally dispute the inaccurate reporting of the account XXXX XXXX XXXX XXXXXXXX with number XXXX on my credit report. Your records indicate that this account is reported as XXXX, opened on XXXX, with a date of last activity on XXXX, and was last verified on XXXX. This reporting is inaccurate, and I request that this account be deleted from my credit report immediately. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate.Therefore, I am also requesting that you provide me with the documentation and verification used to confirm the accuracy of this account, as well as proof of the {$0.00}.

The courts have consistently ruled on the importance of accurate credit reporting. In the case of XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court held that credit reporting agencies must promptly delete inaccurate information once it has been XXXX case serves as a reminder that failing to investigate thoroughly is a violation of consumer rights.Furthermore, the decision in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reinforced that credit reporting agencies must take appropriate steps to ensure the accuracy of the information they report, and that consumers are entitled to damages when inaccurate reporting has occurred. 
I expect this matter to be resolved promptly and that you will take immediate steps to delete this inaccurate account from my credit report. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated In appreciation. 

XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX, XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief