Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 
Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. 
What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable XXXX XXXX data field formatting standards. I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the 2020 XXXX, poses a severe risk to data integrity. 
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I demand immediate correction and removal of this erroneous address from my file.Key Issues : 1. Inaccurate Address Information : The address XXXX XXXX XXXX XXXX XXXX is not associated with me and does not represent my current or previous residence. This information is false and misleading. 2. Failure to Ensure Accuracy : Under FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of consumer information. The inclusion of this incorrect address fails to meet this standard. 3. Potential Negative Impact : The presence of incorrect address information could lead to confusion, identity errors, or misuse of my credit report, potentially damaging my creditworthiness and reputation. - Immediate Removal of the Incorrect Address :? I demand that? XXXX XXXX XXXX XXXX XXXX? be removed from my credit report immediately. 2. Notification of Investigation Results :? Notify me in 1 of 17 writing of the results of your investigation within the legally mandated 30-day period under FCRA 1681i ( a ) ( 1 ).

If this information can not be verified as accurate, it must be corrected or removed immediately. 3. Provide Proof of Accuracy :? If you claim this address is accurate, provide documentation verifying its validity and origin.Legal Notice : Failure to resolve this matter promptly will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve the right to pursue legal action for damages caused by this inaccurate reporting under FCRA 1681n and 1681o.Thank you for your immediate attention to this matter. Please direct all correspondence regarding this dispute to the address provided below.

Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I must bring to your attention a significant deviation from the mandated reporting standards, which raises concerns about the suitability of the data for certification. It is with regret that I convey my disappointment regarding the persistence of address inaccuracies in your system. Despite prior communication specifying my exclusive address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, your records still contain address details that do not align with the provided information. I earnestly urge you to promptly rectify this situation by expunging any erroneous data from your database, ensuring the presence of accurate and dependable personal information therein. 
Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute inaccurate personal information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the following incorrect items must be corrected or deleted immediately : 1. Incorrect Address : 6710 Collins Rd Apt 215Under FCRA 611 ( 15 U.S.C.

1681i ), credit reporting agencies are required to maintain accurate and verifiable information in consumers files. These entries are factually incorrect and negatively affect my credit profile. - The listed address is not associated with me I demand that you investigate and remove or correct these items promptly as required under the FCRA. Additionally, under 1681g ( a ) ( 2 ), please provide me with the source of these inaccuracies and a full summary of your investigation once it is completed.Failure to correct these inaccuracies may result in legal action for negligent or willful noncompliance under 1681n and 1681o. Furthermore, I expect all future correspondence regarding this dispute to be addressed in writing to the address listed below.Supporting Documents Enclosed :? [ Insert copies of ID, utility bill, or other evidence supporting your dispute. ] I request immediate correction of these errors and confirmation within 30 days, as mandated by FCRA regulations.

Thank you for your prompt attention to this urgent matter.

I kindly request that you ensure the accuracy, timeliness, and verifiability of my personal information in your records. It is imperative that the documentation associated with my credit profile adheres to the standards set forth by the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Therefore, I respectfully ask that you promptly remove any address from your system that does not align with my specific address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Your cooperation in this matter is greatly appreciated, as it will contribute to maintaining the integrity of my credit information and compliance with regulatory standards. 
Employer - XXXX XXXX This information is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681. I demand immediate investigation and correction of this error.Key Issues : 1. Inaccurate Information : The listing of XXXX XXXX as an employer on my credit report is false. This information does not reflect my accurate employment history and is misleading. 2. Failure to Ensure Accuracy : Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports. The inclusion of incorrect employment information violates this requirement. 3. Negative Impact : The presence of inaccurate employment information could harm my reputation and misrepresent my professional background to potential creditors or employers. - Immediate Removal of the Incorrect Information :? I demand that? XXXX XXXX? be removed entirely from my credit report under the? Employers? category. 2. Notification of Investigation Results :? Notify me in writing of the results of your investigation within the legally mandated 30- day period under FCRA 1681i ( a ) ( 1 ). If the information can not be verified, it must be removed immediately. 3.

Provide Proof of Accuracy :? If you claim this information is accurate, provide documentation verifying its validity and origin.Legal Notice : Failure to address this matter promptly will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Additionally, I reserve the right to pursue legal action for damages caused by this inaccurate reporting under FCRA 1681n and 1681o.Thank you for your immediate attention to this matter. Please direct all correspondence regarding this dispute to the address provided below.

2 of 17 I am writing to request that you kindly update your records regarding my account with your organization, which is held under the name of Employer and bears the account number XXXX XXXX. It has come to my attention that the current information in your records is inaccurate and falls below the acceptable standard of accuracy. 
I humbly urge you to take prompt action to rectify this matter as inaccurate data can have severe consequences and could lead to legal action against both of us. I would like to remind you that any erroneous information on my credit report or in your records is unacceptable and must be removed without any delay. 
Incorrect Name : - XXXXXXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate and unverifiable personal information being reported on my credit file, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the following incorrect name entries require immediate removal : 1. Incorrect Name : XXXX XXXX XXXX ( listed multiple times ) .This information is factually inaccurate and does not belong to me. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are legally obligated to ensure that only accurate and verifiable information is reported. Your failure to verify and maintain accurate data is unacceptable and must be rectified immediately.Legal Basis for Dispute : 1. FCRA 607 ( b ) : It is your duty to maintain maximum possible accuracy in consumer reports. These incorrect names clearly violate this provision. 2. FCRA 611 ( a ) : You are required to investigate disputes within 30 days and correct or delete inaccurate information. 3. FCRA 1681e ( b ) : You must ensure the preparation of consumer reports with due care to avoid inaccuracies. - I demand that these incorrect entries be removed immediately and that you provide me with written confirmation of the removal.

Additionally, under 1681g ( a ) ( 2 ), I request the source of this erroneous data, as well as a detailed explanation of your investigation once it is completed.Failure to address this issue may result in legal action for willful and negligent noncompliance under FCRA 1681n and 1681o. Please be advised that I am prepared to escalate this matter further if my credit file is not corrected within the statutory timeframe.I expect this dispute to be resolved promptly and confirmation of the correction to be sent to me within 30 days of your receipt of this letter. 
Incorrect Name : - XXXXXXXX XXXX XXXXXXXX I kindly request your immediate attention and prompt resolution with respect to any inaccuracies in the names recorded within your database. It is imperative to recognize that my correct and precise name corresponds to XXXX XXXX XXXX. In the event that your system contains any conflicting information contrary to my explicit declaration, I respectfully urge you to swiftly rectify such disparities without undue delay. Your prompt and diligent attention to this matter is greatly appreciated and essential. 
Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request your urgent attention to a matter of concern that has come to my attention regarding my credit file. It appears that an address is currently listed on my file that is neither my current address, nor is it deliverable by the United States Postal Service. As such, I am concerned that this inaccurate information may put me at risk of identity fraud, and I respectfully request that you take immediate action to remove this address from my credit file. Please be advised that any delay in addressing this matter could have serious legal implications, and your company may be held responsible if this incorrect information remains on my file.

Furthermore, I must emphasize that I have never resided at this address, and I have no association with it whatsoever. Therefore, I kindly request that you remove this personal information from my credit file, as it is inaccurate and incomplete. 
Incorrect Name : - XXXXXXXX XXXX XXXX  I am writing to formally dispute inaccurate and unverifiable personal information being reported on my credit file, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the following incorrect name entries require immediate removal : 1. Incorrect Name : XXXX XXXX XXXX ( listed multiple times ) .This information is factually inaccurate and does not belong to me. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are legally obligated to ensure that only accurate and verifiable information is reported. Your failure to verify and maintain accurate data is unacceptable and must be rectified immediately.Legal Basis for Dispute : 1. FCRA 607 ( b ) : It is your duty to maintain maximum possible accuracy in consumer reports. These incorrect names clearly violate this provision. 2. FCRA 611 ( a ) : You are required to investigate disputes within 30 days and correct or delete inaccurate information. 3. FCRA 1681e ( b ) : You must ensure the preparation of consumer reports with due care to avoid inaccuracies. - I demand that these incorrect entries be removed immediately and that you provide me with written confirmation of the removal.

Additionally, under 1681g ( a ) ( 2 ), I request the source of this erroneous data, as well as a detailed explanation 3 of 17 of your investigation once it is completed.Failure to address this issue may result in legal action for willful and negligent noncompliance under FCRA 1681n and 1681o. Please be advised that I am prepared to escalate this matter further if my credit file is not corrected within the statutory timeframe.I expect this dispute to be resolved promptly and confirmation of the correction to be sent to me within 30 days of your receipt of this letter. 
Incorrect Name : - XXXXXXXX XXXX XXXX  I wish to draw your attention to the significance of maintaining current records within your organization. 
Regrettably, I have come across discrepancies in your system, where certain names do not correspond with the personal information I have expressly provided in this correspondence. As such, I kindly request the immediate rectification of any such inconsistencies to ensure the precision and integrity of your database. It is imperative that the information retained accurately reflects my identity, which consists solely of the name XXXX XXXX XXXX. Your prompt action in addressing this matter is greatly valued, as it will help prevent any further inconveniences or dissatisfaction. 
Incorrect DOB : - XXXX I am writing to dispute inaccurate personal information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the following incorrect items must be corrected or deleted immediately : Incorrect Date of Birth : XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to maintain accurate and verifiable information in consumers files.

These entries are factually incorrect and negatively affect my credit profile - The listed date of birth is incorrect and does not match my actual birthdate I demand that you investigate and remove or correct these items promptly as required under the FCRA. Additionally, under 1681g ( a ) ( 2 ), please provide me with the source of these inaccuracies and a full summary of your investigation once it is completed.Failure to correct these inaccuracies may result in legal action for negligent or willful noncompliance under 1681n and 1681o.

Furthermore, I expect all future correspondence regarding this dispute to be addressed in writing to the address listed below.Supporting Documents Enclosed :? [ Insert copies of ID, utility bill, or other evidence supporting your dispute. ] I request immediate correction of these errors and confirmation within 30 days, as mandated by FCRA regulations. Thank you for your prompt attention to this urgent matter I would like to bring to your attention that the birth date provided previously for the account registered under Incorrect DOB : and XXXX is the only one available and can not be supplemented with any other dates. 
Furthermore, I respectfully request that any other birth dates related to this account, if any, be deleted immediately without any sharing with third parties. If there is a legitimate reason for retaining such information, I kindly request that you provide proof of your authority to do so, without infringing upon my consumer rights. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome.

Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing I am writing to express my sincere disappointment with the current state of the information pertaining to XXXX XXXX and XXXX in your database. Regrettably, it has come to my attention that the data is not up-to-date and fails to meet the essential criteria of accuracy as expected. I urge you to address this matter urgently, as failure to do so promptly may necessitate the initiation of legal proceedings. It is imperative to emphasize that inaccurate and flawed information has no rightful place in your database or on my credit report. I therefore kindly request the immediate removal of such erroneous data. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced XXXX of XXXX account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a payment defferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome.

Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing XXXX XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. 
Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome.

Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing I regret to inform you of my profound disappointment with the state of the information pertaining to XXXX XXXX and XXXX in your database. It has come to my attention that the data provided lacks currency and fails to meet the essential benchmarks of accuracy. I must emphasize the urgency of rectifying this situation promptly, as failure to do so may leave me with no recourse but to pursue legal avenues. I firmly believe that your database should not house inaccurate or flawed information, particularly when it pertains to my credit report. I therefore implore you to expeditiously remove the erroneous data from your records. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome.

Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing I respectfully request that this deficient information be promptly deleted. It has not been verified for accuracy, completeness, timeliness, or compliance with reporting standards. Verification and compliance are essential to 5 of 17 ensure that the information in question is reliable and useful. 
Furthermore, please review the image above for XXXX XXXX - XXXX as it contains additional areas of concern. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome.

Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing XXXX XXXX - XXXX I wish to express my dissatisfaction regarding the absence of documented evidence pertaining to compliance reporting standards and pertinent consumer laws. I find this omission to be of considerable concern. I kindly request that you promptly rectify this flawed and inaccurate report. Failure to do so may necessitate legal recourse on account of non-compliance with the requisite legal obligations in these domains. Understanding the precise nature of the documentation that warrants our attention is imperative to preempt any potential future challenges. The absence of accurate and comprehensive information may give rise to avoidable complications in the future. It is therefore imperative that we address this matter with a sense of urgency, so as to mitigate any potential adverse consequences. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome.

Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing The account attributed to XXXX XXXX bearing the displayed account number XXXX on my report lacks compelling evidence to support its validity, accuracy, and completeness, let alone its certification as compliant with established industry standards. It is crucial to acknowledge that the Consumer Data Industry Association ( CDIA ) itself has insinuated or explicitly stated that any deviation from the law or recognized credit reporting standards renders a claim deficient. Therefore, it becomes imperative to remove any and all such claims from the report and refrain from reintroducing them unless their lawful compliance with all necessary requirements for accurate reporting can be proven. This course of action must be taken, irrespective of any perceived misapplication, willful ignorance, or negligent disregard on your part concerning your reporting practices and claims. It is essential to highlight any deviations, including but not limited to the following deficiencies, as justifiable grounds for the appropriate elimination of the claim 's reportability. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates XXXX of XXXX that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing The account associated with the provided XXXX XXXX and displayed account number XXXX on my report lacks sufficient evidence to establish its validity, accuracy, completeness, and certified compliance with reporting standards. It is important to recognize that the CDIA ( Consumer Data Industry Association ) has either implied or explicitly stated that any deviation from the law or established and expected credit reporting industry standards renders a claim deficient. Consequently, all such claims should be removed from the report and should not be reinstated unless they can be proven to be lawfully compliant with all requirements for legal reporting. This action shall be taken, regardless of any see attachment

Company response to consumer: Closed with non-monetary relief