Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * Subject : FCRA Demands Metro 2 Compliance, XXXX Protocols, Dispute Statement, and Privacy Restrictions * * To Whom It May Concern, I am exercising my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and submitting this formal and lawful request in strict adherence to the * * XXXX XXXX compliance format * *, the * * Consumer Reporting Resource Guide ( CRRG ) * *, and the * * CIDA ( Compliance, Investigation, Documentation, Accuracy ) * * structure. 

-- - # # # XXXX. * * Demand for Procedural Description of Accuracy Determination * * Pursuant to * * 15 U.S.C. 1681i ( a ) ( 7 ) * *, I am demanding a full and specific description of the procedure used by Equifax to verify the * * accuracy and completeness * * of the following disputed tradelines. This includes source identification, verification methodology, and the steps taken to validate these accounts under XXXX XXXX and CRRG standards 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 Formal Dispute of Inaccurate/Incomplete Accounts * * In accordance with * * 15 U.S.C. 1681i ( a ) * *, I am disputing the accuracy and/or completeness of the above-listed accounts. You are required to initiate a reinvestigation under XXXX XXXX-compliant procedures, document each step taken, and provide written results.

Additionally, until the matter is resolved, include the following * * XXXX-word consumer statement * * in my credit file per * * 15 U.S.C. 1681i ( b ) * * : > The consumer disputes the accuracy and completeness of multiple accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This matter is currently under investigation in accordance with the FCRA and XXXX XXXX compliance standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Privacy Opt-Out Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Though I am a resident of Louisiana, XXXX am invoking my right to restrict third-party information sharing as provided to residents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I formally demand that Equifax * * cease all non-affiliated third-party sharing * * of my personal or credit data, including for marketing purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Response Deadline XXXX Business Days * * Equifax is * * required to respond to this request in writing within XXXX ( XXXX ) business days * * of receipt. This demand is made in accordance with * * reasonable time standards * * and the urgency of correcting and containing inaccurate consumer data. Failure to comply will result in formal complaints being filed with : * The * * Consumer Financial Protection Bureau ( CFPB ) * * * The * * Federal Trade Commission ( FTC ) * * * The XXXX XXXX XXXX  Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Expect Full XXXX XXXX and CRRG Compliance * * You are expected to comply with all relevant federal statutes, XXXX XXXX specifications, and CRRG documentation requirements in handling this dispute. 

Please confirm receipt of this letter and notify me in writing once the necessary actions have been completed. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation