Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it.This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by XXXX names : ( XXXX ) The Fair Credit Reporting Act ; or ( XXXX ), XXXX XXXX I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end.You have XXXX  days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report.The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! 
I am writing to dispute the inaccurate reporting of the account XXXX XXXX XXXX with the number on my credit report. Your records indicate that this account is listed as XXXX, with an opening date of XXXX, a date of last activity on XXXX, and was last verified on XXXX. This information is not correct, and I request that this account be deleted from my credit report immediately. 
Under 15 U.S.C. 1681s-2, creditors and credit reporting agencies are required to report accurate information. I also request that you provide detailed documentation showing how this account was verified, along with evidence supporting the claim that I owe the {$36000.00}, which I dispute. 
XXXX significant legal cases highlight the importance of accurate reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ), the court emphasized that credit reporting agencies must remove inaccurate or unverifiable information promptly. This case clearly supports my request for the removal of this inaccurate entry from my credit report. 
Secondly, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) further established that a failure to investigate a disputed item adequately can lead to liability under the FCRA. The court found that a lack of thorough investigation violates the rights of consumers, thereby requiring the removal of incorrect information. 
In light of these precedents, I expect this matter to be resolved promptly and in accordance with federal law. 

Also, please see attached letter and report. Also, see the image above for XXXX XXXX XXXX  ( XXXX ) ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Account # ( XXXX ) I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. 
Upon inspecting XXXX XXXX ( XXXX ) exhibiting XXXX. There are certain things I can not live without. XXXX of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
I was looking at XXXX XXXX ( - ) expressing Banking It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done.

Company response to consumer: Closed with explanation