Consumer complaint received 2025-06-23 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: RI

Complaint narrative:
I am formally contesting the inaccurate, unverified, and undocumented information you are reporting on my credit file. Your failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Metro 2 data reporting standard is unacceptable. Reporting baseless allegations without factual, verifiable evidence directly violates my consumer rights and constitutes willful non-compliance. 

You are obligated by law to ensure that all information you report is complete, accurate, and verifiable. You are not permitted to report any information that can not be fully substantiated with legally permissible and certifiable documentation. Any failure to maintain full compliance with Metro 2 data standards and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines constitutes a breach of your reporting duties. 

Furthermore, I am deeply disappointed that you continue to use generic form responses to consumer disputes. 15 U.S.C. 1681i requires you to conduct a reasonable reinvestigation of each dispute. Simply assuming my dispute was submitted with third-party assistance is not a legal basis to avoid your obligations. I authored these letters, and your failure to investigate or process them properly demonstrates willful intent to disregard federal law. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the information with supporting documentation, you must DELETE it immediately.

I demand that you provide me with physical copies of any evidence you claim substantiates the reporting of the following : Personal Information Being Challenged : Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, RI XXXX Employer : XXXX XXXX Accounts Being Challenged : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required by law to correct, update, or DELETE any unverifiable or inaccurate information within 30 days of receipt of this dispute, as mandated under FCRA 1681i ( a ) ( 1 ) ( A ). Failure to comply will be viewed as willful noncompliance under 15 U.S.C. 1681n and 1681o, and legal action may follow without further notice. 

Send me written confirmation of your actions, along with a complete updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief