Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
Listed below are the accounts that are being challenged : XXXX XXXX - XXXXXXXX XXXX XXXX  I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and DELETE any negative reports about me, especially if the reported items lack mandatory documented evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified XXXX XXXX format reporting XXXX. 

I also demand that you prove your lawful authority to conduct business with me, as I will not engage in any business interaction with you under duress. If you fail to comply with this demand within XXXX XXXX of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against meincluding, but not limited to, reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 

Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, rectify any alleged chicanery-laden subterfuge on my credit report by DELETEING any delinquently reported items. 

Listed below are the accounts that are being challenged : XXXX XXXX - XXXXXXXX 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. 

It is imperative that I fully understand that I will only accept confirmed, legally compliant claims and information that is accurate and complete, as any discrepancies or inadequacies could compromise the integrity of the alleged claims ( see XXXX XXXX XXXX ). 

Therefore, I am giving you a deadline of XXXX XXXX from the receipt of this letter to provide a response that is beyond reproach and in total compliance with reporting requirements. Failure to comply may result in legal action, which could have severe financial consequences for your company. 

It is in both our interests to take immediate action, and if you choose XXXX of the available options I have presented, I will consider this matter resolved and take no further action. 

I also require proof of any and all claims in the form of a notarized statement from a person with original knowledge of the debt, who can attest to its legality and confirm that it was not disputed due to faulty processing, lack of proof, or misreporting.

Company response to consumer: Closed with non-monetary relief