Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate. It is important that the data in my report is properly documented and validated to ensure its accuracy. Therefore, I kindly request your assistance in resolving the discrepancies in my credit report. I respectfully challenge the allegations that have been reported against me, as they are not true. I understand that compliance with regulations and laws is crucial, and I appreciate your efforts in ensuring that my credit report meets both federal and state requirements for reporting. 

Can you please provide me with evidence to support the delinquency or derogatory claims in my report, including proof of the creditor 's permissible purpose for making such claims and inquiries? I will be monitoring the situation and hope to hear from you within 30 days. Once the inaccuracies have been resolved, I kindly request a hard copy of my updated credit report. I appreciate your prompt attention to this matter and look forward to your response. 

Listed below are the Personal Information that are being challenged : Employer : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX  Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

I have a challenge for youplease produce a document that shows all of the evidence and send it to me, complete with verified sources. It is important to note that the XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you fix any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. Therefore, I demand that only factually accurate, verified, and compliant data be documented in it. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : XXXX XXXX I am disappointed and angered by the violation of my consumer rights through the provision of inaccurate information. Fair treatment and adherence to accuracy and compliance are my basic rights. Please provide all available details on the shortcomings in meeting these responsibilities. 

Certification holds no significance to me ; what matters is factual and truthful information regarding your company and my credit profile. The credit report I received is inaccurate, which is surprising given the expected adherence to FCRA and Metro 2 data field formatting standards. I challenge you to provide a verified and comprehensive document supporting each claim. 

The integrity of data is at stake due to deviations from standards. The accuracy of the report provided is questionable, and the claims made are yet to be independently verified. Please remove any false accounts promptly to avoid future financial implications. Only factually accurate, verified, and compliant data should be documented in my credit report. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that you take immediate action to remove these potentially unauthorized inquiries or provide me with the necessary documentation to justify their presence on my credit report. I trust that you will do the right thing and ensure that this matter is resolved promptly. 

I kindly request that you provide the required, tangible evidence of a legitimate, authorized purpose as per the law, either from myself or a legally empowered entity, in order to substantiate the unjust, unverified allegations made against me regarding federal reporting compliance. Failing that, I respectfully ask for the complete removal of these unsubstantiated claims. 

I wish to express my disappointment regarding the consistent issuance of generic form letters in response to consumer disputes and challenges, regardless of the specific information provided. It is essential to recognize that this practice contravenes legal requirements, which stipulate that each dispute and challenge should be meticulously examined on its own merits. 

I would like to clarify that the letters I have submitted were generated using widely accessible software. Neglecting to promptly address my letters could constitute a potential breach of 15 U.S. Code 1681i. Please be reminded that delaying the processing of consumer letters under the assumption of potential third-party assistance is not legally permissible. 

I want to underscore that I am the exclusive author of all correspondence bearing my name. Failure to expedite the processing of my letters may be construed as a deliberate disregard for my consumer rights. Consequently, I will have no choice but to seek legal counsel and initiate the necessary legal actions to rectify this situation. 

I would like to remind you that under U.S. Code 15 USC 1681b ( Section 604 ), all users are required to have a permissible purpose for accessing consumer reports. This means that any inquiry into my credit file must be approved by me first. 

I respectfully request that you take immediate action to remove these potentially unauthorized inquiries or provide me with the necessary documentation to justify their presence on my credit report. I trust that you will do the right thing and ensure that this matter is resolved promptly. 

I kindly request that you provide the required, tangible evidence of a legitimate, authorized purpose as per the law, either from myself or a legally empowered entity, in order to substantiate the unjust, unverified allegations made against me regarding federal reporting compliance. Failing which, I respectfully ask for the complete removal of these unsubstantiated claims.

Company response to consumer: Closed with explanation