Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
Demand under my rights as a consumer pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and Metro 2 reporting requirements. I am deeply dissatisfied with the reckless, inconsistent, and inaccurate reporting that continues to appear on my credit file despite previous disputes. The continued presence of these accounts demonstrates willful noncompliance and complete disregard for your obligations under federal law. 

The FCRA requires you to maintain maximum possible accuracy in consumer reports. Instead, you have allowed unverifiable, inconsistent, and damaging data to remain, directly harming my creditworthiness and financial standing. Updating notations or re-verifying without proof does not cure these violations. The only lawful and compliant resolution is the permanent DELETION of the accounts outlined below. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already disputed this XXXX account, and it is still reporting with late payments even though the balance is {$0.00} and the account is showing open and current with other bureaus. This is a direct violation of FCRA 1681i and 1681s-2 as well as Metro 2 compliance, since you are furnishing conflicting and inaccurate data across the credit bureaus. Reporting a paid account with derogatory late marks is willful noncompliance and reckless disregard for accuracy. I demand permanent DELETION of this account from my credit file, as correcting remarks without full deletion will not cure the damage caused. 

XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this account and you continue to knowingly report conflicting and inaccurate information. One bureau shows the account as paid/closed while others report it as open/current. This is a willful violation of FCRA 1681i and Metro 2 standards and demonstrates reckless disregard for accuracy. I demand permanent DELETION of this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I already disputed this account and it continues to report false late payments even though the balance is {$0.00} and the account is closed by the creditor. The bureaus are reporting inconsistent balances and statuses, which is a direct violation of FCRA 1681i and 1681s-2 as well as Metro 2 standards. Furnishing contradictory and unverifiable data after a prior dispute is willful noncompliance and reckless disregard for accuracy. I demand permanent DELETION of this account from my credit file, because updating remarks or balances does not correct the violations or the damage already caused. 

XXXX XXXX XXXX XXXX XXXX XXXX I already disputed this XXXX account and you continue to report it without providing full validation. This is a willful violation of FCRA 1681i and 1681s-2, and a direct breach of Metro 2 compliance because the data is unverifiable, inconsistent, and being furnished without proper documentation. You have failed to produce a complete chain of custody, signed contract, or any proof of legal right to collect. By continuing to report this unverifiable debt, you are acting in reckless disregard of federal law. I demand the permanent DELETION of this account from my credit file immediately, as simple updates or re-verification are not an acceptable remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX  I already disputed this collection and it is still reporting without proper validation. This is a willful violation of FCRA 1681i and 1681s-2 because you continue to furnish unverifiable and damaging information. You have failed to provide full documentation proving the accuracy, ownership, and chain of custody of this alleged debt. Reporting it across all three bureaus without proof is reckless disregard for Metro 2 compliance and my rights under federal law. I demand the permanent DELETION of this account from my credit file immediately, as updating or re-verifying without proof only extends the violation. 

Incorrect Personal Information Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX I have no verifiable connection to this address. It is inaccurately tied to my file and must be permanently deleted. 

Incorrect Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have never lived at or been associated with this address. Continuing to report it is inaccurate and must be permanently deleted. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have never lived at or been associated with this address. Continuing to report it is inaccurate and must be permanently deleted. 

Incorrect Employer XXXX  This employer is not and has never been associated with me. Reporting it is inaccurate, misleading, and must be permanently deleted. 

You have been repeatedly notified of these errors and have chosen to ignore your obligations under federal law. If these accounts are not permanently deleted within the time frame allowed by law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also pursue any and all legal remedies available to me, including civil action for damages under the FCRA. 

I expect full compliance and a reinvestigation that results in the immediate, permanent DELETION of the accounts and information listed above. Anything less will be considered continued willful noncompliance.

Company response to consumer: Closed with non-monetary relief