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: NJ

Complaint narrative:
Listed below are the accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Excuse me, I believe 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 request evidence supporting the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account listed in my report. 

May I request that you address this matter as soon as possible? If not rectified within 30 days from the delivery date, there may be serious consequences. I would prefer to avoid any intervention or escalation.

Thank you for your prompt attention to this matter.

Listed below are the accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 CDIA 's most recent industry standards and applicable federal and state regulations. Any deviation from these standards jeopardizes the integrity of the data. It is not acceptable for entities to report or accept reporting that is non-compliant, whether knowingly or unknowingly. The minimum standard for reporting is maximum possible accuracy and completeness, with perfect fidelity to the mandated Metro 2 format reporting standards as outlined in the CDIA 's most current CRRG. All data reporting furnishers and receiving repositories should be fully compliant in the reporting process, and any deviation from these standards is unacceptable.

Listed below are the accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction under duress.

If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including, 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, please rectify any alleged deceptive or misleading entries on my credit report by removing any delinquently reported items. 

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 referenced in the CDIA 's CRRG Sections 34. I expect you to acknowledge and correct any errors within 7 days of receiving this letter, ensuring maximum accuracy and compliance with all 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 for tax purposes, or claimed as a loss with any insurance entity during the payable period. Please provide proof of any and all claims. 

It is required by law that both you and the data furnishers certify all aspects of necessary FCRA/Metro 2 compliance. This certification must be truthful, accurate, complete, and timely to ensure that it does not infringe upon my consumer rights or civil liberties.

Company response to consumer: Closed with non-monetary relief