Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXXXXXX XXXX My name is XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your system must remove any address that does not match the one listed on this letter. XXXX - XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! When I scrutinized Date of Last Activity ( XXXX ) presenting XX/XX/XXXX I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having XXXX at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! Viewing Account Description demonstrating Individual Account. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? Lets examine High Balance ( XXXX ) showing -. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. XXXX XXXX XXXX XXXX XXXX The content mentioned above was never certified to meet the reporting standards. The data provided was never verified, so it's possible that it's not accurate or up-to-date. I need documentation that confirms this data is in line with the reporting obligations and any consumer protection laws. If this information is inaccurate or incomplete, I demand that it be deleted immediately. I was looking at Last Payment ( XXXX ) expressing -. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! Upon inspecting Term Length ( XXXX ) exhibiting -. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. Upon inspecting Creditor Remarks ( XXXX ) exhibiting CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS CHARGED OFF ACCOUNT. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Lets examine Date of Last Activity ( XXXX ) showing XX/XX/XXXX The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? XXXX XXXX XXXX XXXX 'm disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters - it's very important we know what kind documentaries can show us so we don't get caught flat-footed when things go south later down the road due an issue which may have been preventable had there only ever been XXXX shred left behind by those who knew better but chose not care enough about accuracy over convenience alone ( you ). When I scrutinized Credit Limit ( XXXX ) presenting {$3700.00}. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. Upon inspecting Date Reported ( - ) exhibiting XX/XX/XXXX. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. I want to bring to your attention Payment Amount ( XXXX ) reporting {$0.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! When I scrutinized Account Description presenting Individual Account. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Upon inspecting Account # ( XXXX ) exhibiting XXXX. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the XXXX, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Viewing High Balance ( XXXX ) demonstrating- is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack XXXX or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. XXXXXXXX XXXX XXXX XXXXXXXX I am extremely disappointed that the information you have provided is not accurate and does not meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. Lets take a look at Credit Limit ( XXXX ) reporting {$8700.00}. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report When I scrutinized Account Type ( XXXX ) presenting Revolving This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! I want to bring to your attention Date Reported ( - ) reporting XX/XX/XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! XXXX XXXX XXXX XXXX XXXXXXXX The information above was never confirmed to be in compliance with proper reporting standards. The information is deficient and I demand that it be removed immediately. Viewing Creditor Remarks ( XXXX ) demonstrating CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! Lets examine Last Payment ( XXXX ) showing - I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. Bring to your attention Credit Limit XXXX XXXX ) reporting - What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! I was looking at Payment Status ( XXXX ) expressing Charge-off. The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you. Viewing Date Reported ( - ) demonstrating XX/XX/XXXX. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? Viewing High Balance ( XXXX ) demonstrating -. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? XXXX XXXX - XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately, as it is deficient. Lets examine Credit Limit ( XXXX ) showing - Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! Upon inspecting XXXX  Year Payment History exhibiting OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! Upon inspecting Balance Owed ( XXXX ) exhibiting {$160.00}. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Your information is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. I want to bring to your attention Payment Status ( XXXX ) reporting -. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. I was looking at Last Payment ( XXXX ) expressing -. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. Lets examine High Balance ( XXXX ) showing {$6900.00} Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! I was looking at Date Opened ( XXXX ) expressing XX/XX/XXXX We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! I want to bring to your attention Credit Limit XXXX XXXX ) reporting -. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? Viewing Date Reported ( - ) demonstrating XX/XX/XXXX The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. Inquiries XXXX XX/XX/XXXX Equifax I was shocked to find an alleged hard inquiry on my credit report. As you know, this is not something that should have been reported and if so then why did they let it happen? The Fair Credit Reporting Act states no one may access your information without permission from YOU first! If you can't provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, then delete the alleged inquiries immediately. XXXX XX/XX/XXXX Equifax I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, the inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if you could remove them immediately. XXXX XX/XX/XXXX Equifax I noticed some unauthorized credit inquiries on my credit report and I'm concerned that my privacy rights have been violated. I did not authorize anyone at these companies to make an inquiry into my credit report and I would like you to investigate this and provide me with any documentation you have with my signature. If these inquiries are found to be fraudulent, I would like them to be immediately deleted from my credit file. According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

Company response to consumer: Closed with non-monetary relief