Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your companys office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the collections that are being challenged : 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XXXX - XXXX [ XXXX : Violation Breakdown and Demands ] Each of the listed accounts continues to reflect inaccurate, outdated, and unverifiable data. These errors violate multiple sections of the Fair Credit Reporting Act, Metro 2 guidelines, and the rights I retain under federal law as a consumer and a known Equifax Data Breach victim. 

This letter serves as a legal demand for the permanent deletion of each listed account from Equifax, Experian, and TransUnion. 

I further demand the following documentation in compliance with 15 U.S.C. 1681i : The name, address, and contact information of the entity that verified the disputed account.

The exact method and documentation used to confirm the accuracy of the information.

Proof of compliance with 15 U.S.C. 1681s-2 to ensure the information provider met legal reporting standards. 

If you can not provide this verification, you must DELETE the disputed items from my reports immediately. 

Violation of 15 U.S.C. 1681n Willful Non-Compliance Your failure to correct these errors constitutes willful non-compliance and entitles me to seek damages, including : {$1000.00} per violation in statutory damages Actual and punitive damages in a court of law Attorneys fees and court costs You have XXXX XXXX to respond with full verification or delete all disputed data. Failure to comply will result in escalated legal action and formal complaints to regulatory agencies. 

I am requesting that you treat this dispute as urgent and correct these violations immediately. You must send me an updated and corrected version of my consumer credit report reflecting the deletions listed above.

Company response to consumer: Closed with non-monetary relief