Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ). 

XXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. 

XXXX XXXX XXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. 

XXXX XXXX XXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. 

XXXX XXXX XXXX XXXX XXXXXXXX I request that you immediately refrain from reporting any injurious aspects of the allegations for the account details noted below. is unfairly, not certifiably compliant, or unlawfully reported. Therefore, I demand that you delete any item alleging derogatory conditioned late payments immediately, as required by law. 

XXXX XXXX XXXX XXXXXXXXXXXX It is imperative to note that any inconsistency, incompleteness, inaccuracy or omission in the reported item is a deviation from the mandatory industry standards for reporting compliance, as per the Metro 2 Data-filled Field Formatted reporting compliance standards. Any deviation from these standards could potentially jeopardize the integrity of the data ( as stated in XXXX XXXX XXXX ), and therefore, the accuracy of the reported item is subject to lawful scrutiny until all aspects of the claim are factually confirmed to be true, correct, complete, timely, physically verifiable, and otherwise undeniably valid, particularly if not compliant with the above 4 of 6 mentioned Metro 2 formatted industry requirements. We respectfully request your attention to the following suspect reported data fields alleged for this now contested reported item of injury.

Company response to consumer: Closed with non-monetary relief