Consumer complaint received 2025-10-02 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: DC

Complaint narrative:
I am formally disputing the following accounts being reported on my Equifax credit file. Each of these entries is inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. By continuing to publish false, inconsistent, and misleading data, you are willfully engaging in noncompliance under FCRA 1681i and 1681e ( b ). Equifaxs massive data breach further destroys the credibility of any unverifiable reporting, and as such, I demand the permanent deletion of
the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This account must be permanently deleted because it is reporting inaccurate and unverifiable information in direct violation of FCRA 1681i and Metro 2 compliance standards. Your repeated failure to correct these errors after prior disputes shows willful noncompliance. Equifaxs data breach further destroys the credibility of this reporting, making continued publication reckless and unlawful. I demand immediate deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting inaccurate, unverifiable, and conflicting data in direct violation of FCRA 1681i and Metro 2 reporting standards. Despite prior disputes, Equifax continues to willfully report errors, including inconsistent status, dates, and balance information. Coupled with Equifaxs data breach, the integrity of this reporting can not be trusted. I demand the permanent deletion of this account immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is willfully reporting false, inconsistent, and unverifiable data in direct violation of FCRA 1681i and Metro 2 compliance. Equifax continues to show a charged-off status, inflated past due amounts, and conflicting activity dates, which proves the data is unreliable and not in compliance with maximum possible accuracy under 1681e ( b ). After Equifaxs massive data breach, any unverifiable account becomes further compromised. I demand this account be permanently deleted immediately. 

Incorrect Name XXXX XXXX XXXX This duplicate inaccurate name entry further proves negligent file handling and noncompliance. It must be permanently deleted immediately. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX, MD, XXXX This address is not mine and was reported in error. Maintaining false personal identifiers violates FCRA 1681e ( b ). This must be permanently deleted without delay. 

EMPLOYER XXXX XXXX This employer is reporting in error and is not associated with me. Continuing to publish this false information violates FCRA 1681e ( b ), which requires maximum possible accuracy. Permanently delete this immediately. EMPLOYER XXXX XXXX XXXX This is not
, nor has ever been, my employer. Reporting false employment data is reckless, misleading, and unlawful under FCRA 1681e ( b ). I demand permanent deletion at once. 

EMPLOYER XXXX XXXX XXXX ( Duplicate Entry ) This duplicate and inaccurate employer entry is false, unverifiable, and violates accuracy standards. Equifax is willfully reporting erroneous information. Permanently delete this record.

Company response to consumer: Closed with explanation