Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX XXXX stipulates that ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Listed below are the collections that are being challenged : XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA and the accepted standard of Metro 2 data field reporting. If there are any claims that have not been proven to be correct, I request that they be removed. 

I understand that according to federal and state law, it is important to report any allegations accurately and completely. Therefore, I can not accept the allegation of delinquency and derogatoriness without factual, documented proof. I challenge the reportability of these allegations, as they are unsubstantiated. 

I kindly request that you ensure all claims on my report are factual and reported correctly, as required by the Metro 2 reporting standard. If you could provide physical, verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose, that would be greatly appreciated. 

I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. 

Lastly, I authorize you to mail me physical documentation of your actions and my updated credit report. I appreciate your cooperation in this matter. 

Listed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Incorrect Name : XXXX, XXXX, XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NC XXXX Any personal informationincluding names, addresses, dates of birth, Social Security numbers, or any other datathat appears in your records and does not match the information on the attached documents was not provided by me and should not be maintained or reported. This data is unauthorized, and you are required to DELETE IT IMMEDIATELY or PROVIDE LEGAL DOCUMENTATION proving that you have the authority to keep and report such information. 

Incorrect Name : XXXX, XXXX, XXXX I would greatly appreciate your attention in eliminating any names that do not match the following : XXXX XXXX. 

I am writing to formally dispute the accounts referenced below on my consumer credit report, which appear to have arisen as a result of potential fraud or unauthorized activity. I hereby request verifiable evidence bearing my signature or electronic signature. This letter is being sent on my behalf, and I kindly request your thorough consideration. These actions, undertaken without my authorization, may constitute a violation of my consumer rights as stipulated in the Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

Upon my previous contact with the respective companies, it was indicated that these actions may have been initiated without proper validation or original proof from any of the reporting entities. I trust that you will address this matter with the utmost diligence and rectify the potential inaccuracies promptly. Your cooperation is greatly appreciated. 

Listed below is the personal information that is being challenged : Incorrect Previous Address : XXXXXXXX XXXX XXXX  XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX I am writing to request that you take immediate action to rectify a serious error that has occurred in my credit report. It has come to my attention that my report contains an address that is no longer valid and can not be delivered by the United States Postal Service, which raises concerns about potential identity fraud. I urge you to remove this incorrect and inaccurate personal information from my credit file to avoid any further risk of harm. It is imperative that you act quickly in addressing this matter, as any delay may result in further complications, and I must remind you that your company may bear responsibility for any damages that may arise due to any inaction or negligence on your part. Therefore, I urge you to take the necessary steps to delete this incorrect address from my credit file without delay. 

I kindly beseech you to conduct a comprehensive examination of the information in question vis -- vis the original creditors and furnish me with the requisite documentation bearing my signature. In the event that no such substantiating documentation bearing my signature is found, I respectfully request the expeditious removal of all associated allegations, inquiries, and account records from the credit report linked to my Social Security number.

Company response to consumer: Closed with explanation