Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
RE : FINAL WRITTEN DEMAND TO PERMANENTLY DELETE Continued Reporting of Unverifiable, Inaccurate, and Legally Noncompliant Information To Whom It May Concern, this is my third formal dispute and pre-litigation notice under the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), Fair Credit Billing Act ( FCBA ), and related laws ; you have failed to conduct a lawful reinvestigation or permanently delete accounts that remain materially false, inconsistent, and unverifiable across Equifax, Experian, and TransUnion, constituting willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o, as well as violations of 607 ( b ) ( maximum possible accuracy ), 611 ( a ) and 611 ( a ) ( 5 ) ( A ) ( B ) ( reinvestigation and reinsertion ), and Metro 2 uniform data standards ; I therefore demand immediate permanent deletion and full method-of-verification disclosure for each item below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX contradictory payment histories, limits, and charge-off data remain across all three bureaus despite prior CFPB escalation and formal disputes ; no authenticated proof or original documentation has been produced, violating FCRA 607 ( b ) and Metro 2 ; because my PII was compromised in the Equifax Data Breach, any unverifiable data tied to that file is unreliable and must be deleted under 611 ( a ) ; continued publication after federal review is willful and/or negligent under 1681n, 1681o final demand for permanent deletion from all reports. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX still reporting contradictory and unverified data across all three bureaus despite CFPB escalation ; no signed contract, source validation, or Method of Verification ( MoV ) provided ; breach-compromised data renders the tradeline noncompliant under 611 ( a ) ( 5 ) ; continued reporting after federal complaint is willful/negligent under 1681n, 1681o final demand for immediate permanent deletion. XXXX XXXX XXXXXXXX XXXX XXXX ( also referenced as XXXXXXXX XXXX XXXX XXXX XXXX  ) : * * conflicting balances, high-credit amounts, and payment histories violate 607 ( b ) and Metro 2 ; no original creditor documentation or MoV produced ; despite CFPB involvement, inconsistent and unverifiable data persists ; Equifax Data Breach impact makes the entry presumptively unreliable under 611 ( a ) ( 5 ) ; continued reporting post-escalation is willful/negligent under 1681n, 1681o final demand for immediate permanent deletion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inconsistent balances, delinquency counts, and charge-off data across bureaus violate 607 ( b ) and Metro 2 field compliance ; no original contract, payment validation, or certified verification method provided; breach exposure triggers 611 ( a ) ( 5 ) deletion of unverifiable/mismatched reporting ; continued publication after notice and CFPB complaint is willful/negligent under 1681n, 1681o final demand for permanent deletion. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX disputed multiple times and escalated to CFPB ; major inconsistencies remain ( balances, payment history, high-balance figures differ between Equifax and TransUnion ; Experian omits the account ) ; violations of 607 ( b ) and Metro 2 accuracy ; no proper documentation proving validity ; breach concerns heighten unreliability ; continued publication after disputes is willful/negligent under 1681n, 1681o final demand for immediate permanent deletion. XXXX XXXX XXXX Inquiry dated XX/XX/year> ( Unauthorized ) : I never applied for credit or authorized access ; retaining an inquiry without permissible purpose violates FCRA 604 ( a ) and 15 U.S.C. 1681b ( c ) ( 1 ) ; escalated to CFPB ; breach status makes any such inquiry unlawful to retain absent signed authorization ; continued reporting after notice is willful/negligent under 1681n, 1681o final demand for immediate permanent deletion. XXXX XXXX XXXX Inquiry dated XX/XX/year> ( Unauthorized ) : no application or consent ; violates 604 ( a ) and 1681b ( c ) ( 1 ) ; escalated to CFPB ; breach status renders retention unlawful without signed authorization ; continued reporting after notice is willful/negligent under 1681n, 1681o final demand for immediate permanent deletion. XXXX XXXX XXXX XXXX XXXX XXXX ( False 30-day late for XX/XX/year> ) : * * no primary evidence, billing statement, or payment record produced ; noncompliant with Metro 2 and can not be retained under 607 ( b ) and 611 ( a ) ; file was never delinquent and was in good standing as notified in CFPB proceedings; continued publication shows reckless disregard ; breach impact further undermines reliability final demand to delete the late code and correct the tradeline to Pays as Agreed. Global Metro 2 and Reinsertion Defects ( All Above Accounts/Items ) : patterns include inaccurate balances post charge-off, misrepresentation of charge-off status/payment history, illegal re-aging, and inconsistent cross-bureau fields ; examples include closed/charged-off tradelines still reporting monthly payments or open terms ( violating Metro 2 field logic ) and illogical/discordant Date of First Delinquency and Date of Last Activity values ; these defects prove no proper reinvestigation occurred and mandate deletion under 611 ( a ) and 611 ( a ) ( 5 ). Failure to Provide Method of Verification : you have not complied with FCRA 611 ( a ) ( 7 ) requiring disclosure of the furnishers name/address/contact and a full description of the verification procedures used ; until a complete MoV is produced, each disputed item must be deleted. Breach Documentation on File : I have documented proof of direct impact from both the Equifax Data Breach and the XXXX XXXX XXXX ( XXXX  ) Breach ; these events impose heightened duties to ensure every reported datum is verifiable with original furnishers and supported by complete, consistent records ; anything less is reckless disregard of my rights under the FCRA and must be removed. DEMANDS : ( 1 ) immediately DELETE every account/inquiry/item that is unverifiable, inaccurate, outdated, or Metro 2/FCRA-inconsistent ; ( 2 ) provide a complete Method of Verification for any item you intend to retain, including furnisher identity and step-by-step procedures used ; ( 3 ) send updated copies of my credit report from each bureau reflecting all corrections/deletions ; ( 4 ) cease any reinsertion absent full certification and the five-day notice required by 611 ( a ) ( 5 ) ( B ). Failure to comply will confirm willful noncompliance and subject you to full remedies including statutory and actual damages under 1681n, 1681o, with immediate escalation to the CFPB, FTC, and State Attorney General, and I reserve all rights to civil litigation. I have enclosed identification and supporting documentation ; respond in writing within the FCRA timelines with confirmation of deletions/corrections and the full MoV for any retained item.

Company response to consumer: Closed with non-monetary relief