Consumer complaint received 2025-06-23 00:00:00
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.
State: CA

Complaint narrative:
I am writing to formally dispute and demand the permanent deletion of the following accounts and personal information currently being reported against me. I have not received any legally sufficient documentation to substantiate these claims. The burden of proof is on you to fully verify and maintain certifiable compliance under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and all applicable Consumer Laws.

You are reporting inaccurate, unverifiable, and potentially fraudulent information that causes direct harm to my financial standing and creditworthiness. You have no legal right to continue reporting derogatory information without full factual proof of : Truth of claim and reporting Accuracy, completeness, and correctness Ownership and legal responsibility Timeliness and reportability under Metro 2 standards Under FCRA 15 USC 1681i, you are required to conduct a full reinvestigation with actual factual evidence, not mere automated verifications or unverifiable hearsay from data furnishers. You must supply physical, original documentation that directly proves I am legally obligated for these accounts and that your reporting meets 100 % certified Metro 2 compliance as outlined in the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, Section XXXX ). 

Failure to provide this evidence within 20 days of receipt of this notice constitutes willful non-compliance under 15 USC 1681n and 1681o, exposing you to potential legal action, including but not limited to statutory damages, actual damages, punitive damages, and attorneys fees. 

ACCOUNTS BEING DISPUTED : 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 INQUIRIES BEING DISPUTED : XXXX - XXXX PERSONAL INFORMATION BEING DISPUTED : Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX Current XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Incorrect XXXX XXXX XXXX Employer : XXXX XXXX Incorrect Name XXXX XXXX XXXX Furthermore, absent legal authority or a valid written contract between us, you have no lawful right to conduct any business interaction with me, nor do you have permission to continue reporting or collecting any unverified, unproven, or non-compliant claims. 

I hereby DEMAND : Immediate deletion of these accounts, inquiries, and personal information due to lack of full legal proof and failure to meet Metro 2 reporting standards.

That you mail me updated credit reports reflecting these deletions along with physical copies of any verification documentation you claim to rely on.

A notarized affidavit from an authorized person with first-hand knowledge of the alleged debts, confirming legal ownership, factual accuracy, and compliance with Metro 2 standards, including confirmation that no tax deductions, insurance claims, or product disputes were associated with these accounts. 

I am giving you 7 days from the date of this letter to update your records and fully comply. Failure to correct, delete, or verify this information to full legal standards may result in immediate legal action at your expense.

This is your formal notice.

Company response to consumer: Closed with non-monetary relief