Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
To whom it may concern : These negative items in my credit profile can't be true! They must have been misplace or inaccurate. I'm disputing these claims and demanding that any info about me being less than perfect just disappear from now on!! ! The claims that this information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these allegations Your report contains several deviations from mandatory reporting standards. As such, the data in your documents can not be accurate and complete! I hereby challenge you to provide proof that it is right for you make these allegations about me Document that you have complied with the reporting requirements, and report without any deviations. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes It is crucial to remember that any mistakes in reporting can make the information less accurate. This has significant implications for both federally regulated reports and Metro 2 compliance standards, as CRRG states Any deviations from these standards jeopardize data integrity. " With that said, I found some mistakes and inaccuracies in your report. This is why you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or delete them altogether You have a duty to ensure that my rights are being protected, and if you continue reporting claims which are not perfect then it shows carelessness. I don't think it's fair for you to report on me in a way that is unethical and doesnt meet the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are mandated to follow reasonable procedures to ensure maximum possible accuracy in credit reports. I am requesting that you provide all documents and evidence that were used to verify the accuracy of this account, as well as proof of the alleged {$1500.00}, which I dispute.

In Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ), the court emphasized that credit reporting agencies must conduct reasonable investigations when discrepancies arise. Additionally, XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) affirmed that reliance solely on the information provided by creditors is insufficient without further verification. 
I request that this account be promptly deleted from my credit report. Should you fail to address this matter within the required timeframe, I will pursue legal remedies to enforce compliance. 

Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern Error XXXX XXXX XXXX - XXXX Equifax Equifax Account XXXX : XXXX XXXX Account Description : JointContractualLiability Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$1500.00} Closed Date : XXXX -- Credit Limit : XXXX -- Creditor Remarks : XXXX -- Creditor Type : - MiscellaneousAndPublicRecord Date Opened : XXXX XXXX Date Reported : - -- Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1500.00} Last Payment : XXXX -- Last Verified : XXXX -- Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : XXXX The account XXXX XXXX XXXX with number XXXX on my credit report is reported inaccurately. This account is listed as XXXX, showing an opening date of XXXX, a last activity date of XXXX, and verified last on --. These XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX I.Q. DATA XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with non-monetary relief