Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Listed below are the accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX It is clear that the claim made against me is unjust and has caused significant harm to my personal, emotional, and financial well-being, as well as my creditworthiness. I am challenging your assumed privilege to report this claim and requesting proof that your reporting practices are ethical, lawful, and compliant with all necessary requirements. My concern is not with the right to collect, but with the apparent lack of fair reporting practices in relation to the specific claim made against me. 

I am challenging all data reporting furnishers and receiving repositories to provide physical documentation demonstrating their compliance with all reporting processes, including adherence to the XXXX 's most recent industry standards and applicable federal and state regulations. Any deviation from these standards jeopardizes the integrity of the data, and it is not acceptable for entities to report or accept reporting that is non-compliant, whether done knowingly or unknowingly. The minimum standard for reporting is maximum possible accuracy and completion, with perfect fidelity to the mandated XXXX XXXX format reporting standards as outlined in the XXXX 's most current XXXX. 

All data reporting furnishers and receiving repositories should have been compliant in the reporting process, and any deviation from these standards is unacceptable. This account contains multiple errorsconflicting late payment history, past-due status, last payment date, and account details.

15 U.S.C. 1681e ( b ) : You are required to maintain maximum accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Reporting false or unverifiable information is illegal.

Billing errors violate TILA ( 15 U.S.C. 1666 ), requiring correction or deletion.

DELETE THIS IMMEDIATELY or prepare for formal complaints and legal escalation. 

XXXX  XXXX The purported delinquency and derogatory claims mentioned above are reported without the requisite and mandatory documentary evidence to substantiate their current and verifiable compliance with the accurate, timely, complete, and unquestionable reporting of negative information. Due to this deficiency, I respectfully request the immediate and complete removal of all aspects of the alleged negativity, in order to restore and uphold the ethical and legally mandated standards of consumer credit reporting practices. 

I would like to bring to your attention that, upon careful examination of the information pertaining to : Date Opened ( XXXX ) Number of Months ( terms ) ( XXXX ) Last Reported Date Last Active ( XXXX ) Date of Last Payment ( XXXX ) 7-Year History I am compelled to question the veracity and adherence of the reports concerning this account. It is my sincere belief that there might exist certain discrepancies in the manner in which this account has been reported, which could potentially exert an adverse influence on forthcoming loan applications or decisions reliant on these erroneous presumptions. Therefore, I kindly request you to furnish substantiating evidence demonstrating the meticulous observance of all requisite protocols, thereby ensuring the inclusion of precise and dependable information concerning my personal records. 

Listed below are the accounts that are being challenged : XXXX XXXX Excuse me, I believe that I have the right to dispute any inaccurate information on my credit report as stated by the Fair Credit Reporting Act. I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. 

I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I would like to request evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account within my report. 

XXXX I request that you address this matter as soon as possible, please? If not rectified within XXXX  days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. 

I am writing to bring to your attention the incomplete, inaccurate, and unverified information provided to me concerning my XXXX  with account number XXXX. I have carefully reviewed the information, and it is evident that the data has not been verified for accuracy, completeness, timeliness, and validation, which are critical reporting standards and consumer laws. 

Listed below are the accounts that are being challenged : XXXX XXXX I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

To ensure complete transparency, I require the regulatorily obligatory reported information regarding any claims made against me to be accurate and complete. Any deviations or inadequacies in reporting can compromise the integrity of the alleged claims ( as per XXXX 's XXXX XXXX ). I expect you to acknowledge and modify any errors within XXXX days of receiving this letter, ensuring maximum accuracy and compliance with reporting requirements. 

Failure to do so may result in legal action, which could be detrimental to your company. It is in the best interest of both parties to resolve this matter promptly. If you choose to comply with my requests, I will consider the matter settled and take no further action. 

I require notarized statements from individuals with original knowledge of the debt, confirming its legality and authenticity, and that it was not disputed, deducted as a profit/loss tax, or claimed as a loss with any insurance entity during the payable period. Please provide proof of any and all claims. 

I will consider this matter settled and pursue no further actions. I hereby request that any and all claim ( XXXX ) against me be accompanied by a notarized statement from a person with original knowledge of the debt who can testify to : Its legal incurrence Absence of returned or faulty consumer products Absence of profit-loss tax deductions Absence of loss claims with any insuring entity during the period it may have been payable Please confirm the proof of each and every claim ( XXXX ) made against me. 

I confirm that my first and last name are solely and exclusively XXXX XXXX. Similarly, my complete address, including the street number , street name, city, and state, is only : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief