Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX XX/XX/year> To Whom It May Concern, I kindly request that you ensure all personal identifier information matches exactly with what I have previously submitted without any objections. Please note that I do not authorize the retention of any information that is not necessary, proven, correct, complete, timely, mine, or not my responsibility, and any other information that is questionable or in contradiction to the factually adequate personal identifier information I have provided above. This notice serves as my legal demand that any information retained and/or reported by you is factually and physically documented in full truth, of full accuracy, and in adequate completeness as retained or reported. Additionally, the information must be timely retained/reported, proven to be of my ownership and responsibility, factually certified compliant in its requisite reporting process ( es ), and adhere to the mandatory perfect and complete XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, the validity of the information must be beyond doubt. Failure to prove applicable certified compliant reported or any deficiency, inability, or unwillingness to do so in a timely manner calls for any negativity subjected to be eradicated or updated to a perfect reportable manner. I urge you to comply with this request without delay. 

I am writing to formally express my concern and request prompt action on your part concerning non-compliant and inaccurate reporting to the primary XXXX credit reporting repositories, which has adversely impacted my creditworthiness. Such conduct constitutes a potential breach of the Fair Credit Reporting Act ( FCRA ), which exposes you to potential fines and damages. Please be informed that this correspondence serves as your final opportunity to address this matter amicably before legal action is initiated. I had previously alerted you to the inaccuracies in your reporting and emphasized the importance of ensuring that only compliant information is reported in my credit file. Unfortunately, it seems that my previous notice was not accorded the necessary attention, as my account continues to be misreported in a manner that is unfair and unethically non-compliant. 

I kindly implore you to take swift corrective measures to rectify the inaccuracies in your reporting and guarantee compliance with the FCRA. Your prompt action in this regard would be much appreciated. Failure to do so may leave me with no option but to take legal action against your company. 

XXXX XXXX  - XXXX This doesn't belong to me. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me The account attributed to XXXX XXXX  and identified by the displayed account number XXXX on my report lacks sufficient evidence to substantiate its validity, accuracy, and completeness, let alone certify its compliance with established credit reporting standards. It is crucial to acknowledge the XXXX 's implications or explicit statements that any deviation from the law or recognized industry standards renders a claim deficient. Consequently, it is imperative to remove any and all such claims from the report and withhold their return unless they can be proven to meet all legal requirements for accurate reporting. This action is warranted irrespective of any potential misapplication, willful ignorance, or reckless negligence on your part in regards to your reporting practices and claims. Please take note of any deviations, including but not limited to the following issues, as valid grounds for the removal of the reported claims. 

I am making an additional effort to collaborate with you and resolve this matter amicably. However, if the issue remains unaddressed, I regret to inform you that I will have no choice but to consider taking legal action against you. This would include seeking monetary compensation as well as penalties for your negligent, reckless, and non-compliant reporting errors, which have caused me unfair credit disapprovals and unjustified interest rates. It is imperative that I receive regulatorily obligatory, lawfully compliant, and uncontested claim information that is accurate and complete to the best of your knowledge. Any deviation or inadequacy in reporting could potentially undermine the integrity of the alleged claims. As per XXXX 's XXXX XXXX, all claims must adhere to the reporting requirements without fail. 

You have a period of XXXX days from the date of receipt of this letter to respond with adequate, fair, and accurate reporting, which must comply with the regulatory obligations. Failure to do so will leave me with no other option but to take legal action, which could prove to be detrimental to your company 's interests. It is therefore in our mutual interest to take immediate and effective action. 

I would like to emphasize that the proof of each claim must be authenticated by a notarized statement from a person who possesses original knowledge of the debt, and who can testify that the debt was legally incurred, was not disputatious, was not used as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity during the period it may have been payable. If you respond to this letter with a certifiably compliant report, as requested, I will consider the matter settled and pursue no further action. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation