Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Afidavit of Fact and Truth Regarding Disputed Credit Report Information and FCRA Violations I, XXXX XXXX, I hereby afirm and declare under penalty of perjury, in alignment with the provisions of the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX 's ( XXXX ) XXXX XXXX compliance standards, and all applicable federal and state laws governing the reporting and use of consumer credit information, the following : XXXX. Afirmation of Accurate Personal Information : Consistent with FCRA 611 ( 15 U.S.C.

1681i ), which mandates the correction or deletion of inaccurate or unveriiable information, I assert the need for all personal identiiers in my credit ile ( including name, address, Social Security number, and date of birth ) to relect absolute accuracy. Any deviation or misreporting that can not be duly veriied and proven compliant with FCRA and XXXX XXXX standards must be rectiied or expunged forthwith. 
XXXX. I attest that my current address is and only is : ( your address ) XXXX. Demand for Removal of Misinformation : Under the auspices of FCRA 605 ( 15 U.S.C.

1681c ), which limits the reporting of obsolete information and underpins the consumer 's right to dispute and seek deletion of inaccurate information, I hereby dispute and demand the immediate correction or deletion of any derogatory items that are not proven to be accurate, timely, complete, and fully compliant with regulatory standards. 
Please Remove The Following Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove The Following Inaccurate Addresses : XXXX XXXX CT UNIT XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX CT XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MD XXXX Please Remove The Following Inaccurate Phone Numbers : ( XXXX ) XXXX Declaration of Dispute and Violation of Rights : Any derogatory and adverse information reported on my credit ile that is untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not compliant with FCRA and XXXX XXXX standards represents a clear violation of FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers of information to provide accurate data and investigate disputes raised by consumers. 
XXXX. Requirement for XXXX of XXXX : In accordance with FCRA 609 ( 15 U.S.C. 1681g ) and 611 ( 15 U.S.C. 1681i ), which govern the disclosure of information and the procedure for dispute resolution, respectively, I demand comprehensive proof of compliance with all FCRA provisions and XXXX XXXX requirements for each item under dispute. The absence of such irrefutable proof necessitates the immediate deletion of non-compliant information. 
XXXX. Notiication and Correction Obligations : I request written conirmation detailing the actions taken in response to this afidavit, as stipulated by FCRA 611 ( 15 U.S.C. 1681i ), including any refusal to remove disputed information along with the justiication for such decisions, the investigative measures undertaken, and the marking of information as disputed on my credit report. 
XXXX. XXXX and XXXX XXXX : This afidavit constitutes a formal complaint regarding the unlawful reporting of information, potentially violating FCRA 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ), which concern civil liabilities for willful and negligent noncompliance respectively. Failure to address and rectify the disputed inaccuracies within the XXXX investigation period mandates my pursuit of all appropriate legal remedies, including but not limited to litigation and complaints to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
This afidavit is executed in good faith, aiming to ensure the accuracy, completeness, and compliance of my credit report, thereby safeguarding my credit health and inancial integrity. I expect prompt and thorough investigation and rectiication in accordance with the FCRA.IN WITNESS WHEREOF, I have signed and sealed this affidavit on the day and year first above written. I hereby certify that all statements made above are true, correct, and complete. 
Signed, sealed, and delivered

Company response to consumer: Closed with explanation