Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
RE : I render you this requisition so THAT YOU TIMELY and ETHICALLY do your due diligence in your processing of this written investigation adjuration to expunge Credit Reporting Deficiencies and Deviations from the mandatorily utilized reporting standards, for which XXXX signals can not exist without injuring trust in discord ( s ) untrustworthy thereby making impossible meeting the federal dictate ( s ) to report to a MAXIMUM POSSIBLE ACCURACY and COMPLETENESS for you could have and SHOULD HAVE been certifiably even undoubtedly abiding of and to your own industry standards established for the very purpose of better ensure at least minimal expectations of undoubtable appropriateness of your adherence of reporting in total amenability with and or of law ( s ).

Dear Sir, Madam, or to whom elsewise it may concern I have recently been informed that there is negative information reported by the below data reporting furnishers concerning me or some individual potentially mistook as being me. I am referencing files you maintain under my social security number. The below denoted item ( s ) reported by the also detailed accusing data reporting furnisher ( s ) are contentious at best given fact there appears at least 1+ deviations from the established credit reporting industrys expected abided by reporting standards for consumer credit portfolios, namely that of the mandatorily utilized XXXX XXXX Data-filled Field Formatted reporting standards of which the XXXX signaled ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA which sure seems akin to the federal regulatory reporting mandates ( LAWS ) which hint to requisite that any prospective reporters of information MUST HAVE in play procedures, processes and practices to ensure that any allegations made are done so to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY and a MAXIMUM POSSIBLE COMPLETENESS. It is NOT A STRETCH to suggest that entities failing to meet BOTH the regulatory requisites AND have also failed to act with certifiable compliant reporting procedures, processes and or practices in conjunction with the above noted XXXX statement in concern to non-compliance of the standards established surely it is reasonable to wonder if a reporter has acted so egregious to have potentially eradicated their assumed privilege to report data of derogatory nature versus a consumer. In similar question would be the curiosity if or not such a violating entity has acted in willful even unlawful disregard of consumer rights and their own regulatory responsibilities. Did the reporting party ( ies ) act in willful negligence? Or in reckless abandon if not in absolute ignorance despite certainty of fact that any each and all reporters know better or SHOULD HAVE KNOWN BETTER being that reporting standards were in fact established for the very purpose to better ensure a reporters greater likelihood of successfully abiding by the state and federal reporting requirements of which they are under absolute obligation to obey. With the above statements and considerations please act now to remove from reporting any derogatory claim forwarded by any below listed entity of which failed to report adequately by each the regulatory requisites as well as the established and mandatorily utilized credit reporting industrys XXXX XXXX Compliance standards : # XXXX XXXX XXXX XXXX alleged on XX/XX/year> is unconfirmed, not proven with adequate Permissible Purpose, and or not certifiably compliant reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleged on XX/XX/year> is unconfirmed, not proven with adequate Permissible Purpose, and or not certifiably compliant reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reaching out to you about information provided that has me concerned that the adequate and necessary ethical and lawful reporting practices did not occur or did so with reckless abandon! 
Please REMOVE FROM REPORTING THE FOLLOWING INSUFFICIENTLY questionable as claimed AND SEEMINGLY UNFAIR AND UNLAWFULLY REPORTED criticism ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record J1S J1 Segment J2S J2 Segment K1S K1 Segment K2S K2 Segment K3S K3 Segment K4S K4 Segment L1S L1 Segment N1S N1 Segment TRCF Trailer Record HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format D1 Data Furnisher # 1 DF2 Data Furnisher # 2 T XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F Equifax X XXXX M Missing but Required Reported E Potential Error I Inconsistent N Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack mx Mixed XXXX XXXX XXXX XXXX XXXX XXXX Guide FCRA Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 DELETE NOW please this not proven certified compliantly reported injurious information unfairly accused of me CREDITOR NAME XXXX INQUIRY DATE XX/XX/year> # 2 DELETE NOW please this not proven certified compliantly reported injurious information unfairly accused of me CREDITOR NAME XXXX INQUIRY DATE XX/XX/year> XXXX XXXX In clarity, you must have demonstratable evident documented claims, each any and/or all factually done so ONLY in undoubtable provable correctness of credible physically demonstrated validity Of claim as reported when reported. Obviously, each any and even all of the data reporting furnisher 's alleged delinquency ( ies ) and or derogatoriness ( es ) elsewise attributed to me must likewise conjointly be proven affirmed in its non-dubiety having to do with the known ownership of my responsibility much less certain not to be of any other 's instead. 
XXXX Per XXXX 'S own XXXX manual, it was formulated to better give XXXX that data reporting furnishers and those repositories accepting reporter-rendered claims did so in agreement with at least the minimal reporting mandates for credit reporting industry standards. Further, were these requisite obligations not deliberately designed to lend greater ensurement of reporting credence? Is it not quoted and agreed to by the collective XXXX Credit Reporting XXXX XXXX TransUnion XXXX and of the XXXX ( of which is itself made up of Equifax, Experian and XXXX ) that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''? 
Thank you for your time and help in this matter. 
Transiently I XXXX XXXX XXXX P.s. My NEXT letter will be a notification of my LOITS! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA XXXX and also of the implemented XXXX enacted XXXX implemented XXXX XXXX Compliance mandates as well. I will demand verification that each employee at your firm which XXXX have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the XXXX XXXX data field formatted reporting standards. I am NOT shy in detailing my DOUBTS you can withstand the requisites to survive a court hearing versus me as I leverage your DEFICIENCIES for a slew of victories being awarded a minimum of {$1000.00} PER VIOLATION PER TIME, and there certainly appears to be a bucket full. So, lets do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being mine ( yeah! ) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious however criminal charges are not out the question, particularly if your chicanery-led subterfuge brings forth or allows.

Company response to consumer: Closed with explanation