Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, Equifax Information Services, LLC  XXXX. XXXX  XXXX XXXX, GA XXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX XXXX XXXX 
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and expect it to be handled promptly, fairly, and in accordance with federal law.

Recent legal actions highlight a concerning pattern of noncompliance among credit bureaus : Equifax ( XXXX ) Fined {$15.00} XXXX for mishandling consumer disputes and allowing inaccuracies to persist. 
XXXX  ( XXXX ) Sued for reinstating errors despite consumer challenges. 
XXXX  ( XXXX ) Found liable for {$60.00} XXXX in damages for mislabeling consumers as high-risk individuals. 
To ensure my dispute is handled correctly, I require a written response sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Additionally, I request written confirmation of receipt within 14 business days. 
This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I trust you will process my dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX To whom it may concern : These items must have been misplaced or inaccurate. I'm disputing these claims and demanding that any info about me being less than perfect just disappear from now on! The allegations that this information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these allegations.Your report contains several deviations from mandatory reporting standards. As such, the data in your documents can not be accurate and complete! I hereby challenge you to provide proof that it is right for you make these allegations about me.Document that you have complied with the reporting requirements, and report without any deviations. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesIt is crucial to remember that any mistakes in reporting can make the information less accurate. This has significant implications for both federally regulated reports and Metro 2 compliance standards, as CRRG states Any deviations from these standards jeopardize data integrityWith that said, I found some mistakes and inaccuracies in your report. This is why you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or delete them altogether.You have a duty to ensure that my rights are being protected, and if you continue reporting claims which are not perfect then it shows carelessness. I don't think it's fair for you to report on me in a way that is unethical and doesnt meet the standards of certified reporting. 
XXXX XXXX XXXX Account # : XXXX The information above was never certified to meet any reporting standards. 
The data is incomplete, unsupported, and may be inaccurate. I demand that this information be deleted. 
XXXX XXXX XXXX  - XXXX Account Number XXXX XXXX Responsibility Individual Account Status XXXX Open Balance XXXX {$28000.00} Remarks XXXX Type Finance Open Date XXXX Last Activity XXXX XXXX XXXX Highest Balance XXXX {$44000.00} Amount Past Due XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Monthly Payment XXXX {$730.00} AsAgreed Current Payment Status XXXX Term Source Type Provided High Credit XXXX 44934 Months Reviewed Times XX/XX/XXXX Days Late -- XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. 
XXXX XXXX  - XXXX Account Number XXXX XXXX Status XXXX Closed Type XXXX Revolving Unpaid Balance XXXX {$11000.00} Comments XXXX CHARGED OFF ACCOUNT Date Opened XXXX XXXX Last Activity XXXX High Balance XXXX XXXX Monthly Payment XXXX Current Rating XXXX CollectionOrChargeOff Term Source Type -- Original Creditor XXXX Highest Adverse Rating XXXX CollectionOrChargeOff Most Recent Adverse Rating XXXX I just checked my credit report, and I noticed that the account XXXX XXXX with number XXXX is showing as CollectionOrChargeOff. Youve got it listed as opened on XXXX with a date of last activity of XXXX, but this just cant be right. 
This inaccurate report is keeping me from moving forward with things like getting a better interest rate on a loan or even buying a house. I need this account deleted ASAP, and I want proof that I actually owe {$11000.00} because I Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX : XX/XX/XXXX know its not true. 
Please correct this! 
Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX When I scrutinized Date Opened ( XXXX ) presenting XXXX This account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! 
I was looking at Date of Last Activity ( XXXX ) expressing XXXX and I am shocked to see that there are numerous reported compliance breaches! 
The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. Please delete this account from my credit report immediately.

Lets examine Dispute Status showing N I challenge
you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! 
Lets examine Creditor Remarks ( XXXX ) showing CHARGED OFF ACCOUNT I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. 
When I scrutinized Creditor Type ( - ) presenting Banking. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards I want to bring to your attention Account Type ( XXXX ) reporting Revolving. 
This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. 
XXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX Responsibility Individual Account Status XXXX Open Balance XXXX {$4400.00} Remarks XXXX Type Banking Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Open Date XXXX Last Activity XXXX XXXX XXXX Highest Balance XXXX {$4900.00} Amount Past Due XXXX Monthly Payment XXXX {$130.00} AsAgreed Current Payment Status XXXX Term Source Type High Credit XXXX Provided 4963 Months Reviewed Times XX/XX/XXXX Days Late -- XXXX I have stumbled upon an unexpected late payment entry for account XXXX XXXX XXXX  XXXX for XXXX, XXXX on my credit report. Before taking any further action, I would appreciate your assistance in verifying this information.Should this entry prove incorrect, legal precedents such as Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 ) guide the necessary correction to " paid as agreed, never late. '' XXXX XXXX - XXXX Account Number XXXX XXXX Status XXXX Closed Type XXXX Revolving Unpaid Balance {$3100.00} XXXX Comments XXXX CHARGED OFF ACCOUNT Date Opened XXXX XXXX Last Activity XXXX High Balance XXXX XXXX Monthly Payment XXXX Current Rating XXXX CollectionOrChargeOff Term Source Type -- Original Creditor XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Highest Adverse Rating XXXX CollectionOrChargeOff Most Recent Adverse Rating XXXX The account XXXX XXXX  ( XXXX ) is wrongly listed on my credit report as CollectionOrChargeOff. The dates XXXX and XXXX are incorrect. This is stopping me from getting financing. 
By 15 U.S.C. 1681s-2, you must investigate this issue. In XXXXon v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ), Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ), and Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ), courts stressed fixing such errors. I ask that you delete this account and provide proof of the {$3100.00}. 
Upon inspecting Times XX/XX/XXXX Days Late ( - ) exhibiting XXXX. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! 
I was looking at Balance Owed ( XXXX ) expressing {$3100.00} The information on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! 
When I scrutinized Date Reported ( - ) presenting XXXX I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately! 
Lets examine Highest Adverse Rating ( XXXX ) showing XXXX. 
That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of CDIA reporting requirements or remove my information from this account immediately! 
I want to bring to your attention Payment Status ( XXXX ) reporting XXXX. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? 
Upon inspecting Date Opened ( XXXX ) exhibiting XXXX. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the CDIA, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX LLC XXXX. XXXX  XXXX XXXX, GA XXXX You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
Appreciatively XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief