Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section 604. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities. 

Listed below are the accounts that are being challenged : XXXX - XXXX Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX You report this revolving account as closed with a XXXX balance, yet you fail to meet Metro 2 compliance by providing incomplete and unverifiable data. The National Public Data breach exposed your failure to secure accurate information, violating FCRA 1681e ( b ) and 1681i. Why do you continue reporting unverifiable information that damages your consumers credit? Your willful noncompliance disregards federal law and consumer rights. DELETE this account immediately to comply with consumer protection laws and Metro 2 standards. 

XXXX, associated with XXXX : a discontinuance of reporting request is hereby submitted. We kindly request your formal attestation through documented evidence verifying the accuracy and validity of all stated information, including notations, dates, balances, compliance condition code ( XXXX ), and any relevant aspects pertaining to XXXX XXXX compliance segments and fields. Your prompt attention and confirmation of these details are greatly appreciated. 

Allow us to examine the reporting of Account XXXX XXXX : XXXX account within the report. It has come to our attention that there XXXX be an issue with the reported data, as it fails to align with the prescribed standards. It is essential to acknowledge that the accuracy of the data might be compromised due to its deviation from the mandated requirements. As you are aware, adherence to the XXXX XXXX standards necessitates the reporting of all data fields in full compliance. It is of utmost importance to emphasize that any deviation from these requirements is strictly prohibited. 

Upon my examination of Date Opened ( XXXX ) : XX/XX/year>, it is of utmost importance that you meticulously ensure the alignment of your records with industry standards to maintain impeccable accuracy. I am deeply concerned by the evident deviations from mandatory regulations and compliance guidelines pertaining to this account. It is apparent that an error has occurred ; therefore, I kindly request the immediate removal of this account. Prompt rectification is imperative to mitigate further repercussions. 

I have observed discrepancies in High Credit ( XXXX ) : {$270.00}, and I kindly request your attention to ensure that the information in your records aligns with industry standards for accuracy. It is surprising to note deviations from mandatory regulations and compliance guidelines pertaining to this account. It is imperative to address this matter promptly to rectify any errors and mitigate potential repercussions. I respectfully request the immediate review and correction of these discrepancies to prevent further consequences. 

The reported XXXX XXXX ( XXXX ) : {$880.00} is inconsistent across the XXXX credit reporting agencies. This deviation from the required reporting standards has led me to contest the reporting of this claim, as the creditor must prove that their reporting practices fully comply with the Credit Reporting Industry 's Metro 2 Format standards. If they can not demonstrate compliance, their reporting may not meet the necessary requirements. 

I feel compelled to bring to your attention the presence of High Credit ( XXXX ) : {$28000.00} in the report, a matter that has left me deeply disappointed and frustrated. Regrettably, the data associated with this account seems to deviate significantly from the established reporting standards of the XXXX, reflecting a disconcerting level of inaccuracy and inconsistency. I respectfully urge an immediate and thorough reevaluation of this data to ascertain its authenticity, precision, timeliness, verification, and adherence to all requisite standards. Should these expectations not be met, I must insist on the prompt removal of my profile from the system. 

I would like to draw your attention to the presence of XXXX XXXX ( XXXX ) : {$4000.00} as highlighted in the report. Regrettably, the data pertaining to this account seems to deviate from the established reporting standards set forth by the XXXX, indicating potential inaccuracies or inconsistencies. Therefore, I kindly request you to thoroughly reassess the information and provide irrefutable evidence of its authenticity, accuracy, timeliness, verification, and compliance with all stipulated requirements. If these conditions can not be met, I must insist on the removal of my profile from the records. 

I would like to bring to your attention the matter concerning the alleged COFF status of XXXXXXXX XXXX - XXXX. It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report. 

You report this revolving credit card closed with a {$28000.00} balance, yet your data fails XXXX XXXX compliance and lacks accuracy. The XXXX XXXX XXXX breach exposes your willful noncompliance with FCRA XXXX ( b ) and XXXX. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting. 

I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. 

The reported Account XXXX ( XXXX ) : XXXX is not consistent across all credit reporting agencies. This deviation from standard reporting practices raises concerns about the accuracy and completeness of the reported information. It is imperative that all credit reporting agencies comply with regulatory mandates and ensure that reported information is valid and certifiably compliant. The reported deficiency in reporting sufficiency and non-compliance with regulatory mandates must be rectified. 

I am disputing inaccurate information on my consumer report that violates my rights under the Fair Credit Reporting Act ( FCRA ). Your failure to maintain accurate records and conduct a proper reinvestigation puts you in direct violation of federal law. 

CB/WOMNWTHN XXXX You report this revolving account as closed with a XXXX balance, yet you fail to meet XXXX XXXX XXXX by providing incomplete and unverifiable data. The XXXX XXXX XXXX breach exposed your failure to secure accurate information, violating FCRA XXXX ( b ) and XXXX. Why do you continue reporting unverifiable information that damages your consumers credit? Your willful noncompliance disregards federal law and consumer rights. DELETE this account immediately to comply with consumer protection laws and Metro 2 standards. 

XXXX XXXX XXXX This revolving account shows a {$15000.00} balance despite being closed. You violate FCRA 1681e ( b ), 1681i, and 623 by failing to maintain accurate and complete information. Metro 2 standards require precise reportingyou consistently ignore these rules. How do you justify reporting inaccurate balances that damage your consumers credit? The National Public Data breach exposes your lack of compliance and verification. DELETE this account immediately for willful noncompliance and repeated failure to meet federal consumer protection laws. 

XXXX XXXX You report this revolving credit card closed with a {$28000.00} balance, yet your data fails Metro 2 compliance and lacks accuracy. The National Public Data breach exposes your willful noncompliance with FCRA 1681e ( b ) and 1681i. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting. 

XXXX XXXX XXXX This revolving account shows a {$5400.00} balance despite being closed. You violate FCRA 1681e ( b ), 1681i, and 623 by failing to maintain accurate and complete information. Metro 2 standards require precise reportingyou consistently ignore these rules. How do you justify reporting inaccurate balances that damage your consumers credit? The National Public Data breach exposes your lack of compliance and verification. DELETE this account immediately for willful noncompliance and repeated failure to meet federal consumer protection laws. 

XXXX XXXX XXXX XXXX report this revolving credit card closed with a {$4500.00} balance, yet your data fails Metro 2 compliance and lacks accuracy. The National Public Data breach exposes your willful noncompliance with FCRA 1681e ( b ) and 1681i. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting.

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of Metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims knownor that should be knownto be unlawful. 

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report. 

Listed below are the accounts that are being challenged : XXXX - XXXX Listed below are the collections that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX I am writing to formally dispute the accounts referenced above on my consumer credit report, which appear to have arisen as a result of potential fraud or unauthorized activity. I hereby request verifiable evidence bearing my signature or electronic signature. This letter is being sent on my behalf, and I kindly request your thorough consideration. These actions, undertaken without my authorization, may constitute a violation of my consumer rights as stipulated in the Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ].

Upon my previous contact with the respective companies, it was indicated that these actions may have been initiated without proper validation or original proof from any of the reporting entities. I trust that you will address this matter with the utmost diligence and rectify the potential inaccuracies promptly. Your cooperation is greatly appreciated.

I understand that form letters have been sent in response to consumer disputes and challenges, disregarding their specific information, which is illegal. Each case must be individually addressed. My letters were generated using widely available software. Failure to process them violates 15 U.S. Code 1681i. Processing can not be delayed based on third-party assumptions. I authored all letters with my name. Neglecting timely processing would be an intentional disregard of my consumer rights, prompting legal action.

Company response to consumer: Closed with non-monetary relief