Consumer complaint received 2025-06-12 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: VA

Complaint narrative:
I am deeply disappointed by the violation of my consumer rights through the reporting of inaccurate, unverifiable, and non-compliant information. Fair treatment and full transparency are non-negotiable. I am demanding a full review of the errors in your reporting practices, including specific failures in accuracy, formatting, and compliance with federal law. 

Certification means nothing to me unless the data is factually correct. I expect only truthful and verifiable information to be included in my credit profile. The credit report I received falls short of these standards and casts serious doubt on the integrity of your data. 

I demand the immediate deletion of any false or unproven accounts. Timely correction is essential to prevent further financial harm. My credit profile must reflect only 100 % accurate, verified, and fully compliant data, as required under federal law. 

PERSONAL INFORMATION BEING DISPUTED : Incorrect Current Address : XXXX XXXX XXXX, XXXX, VA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Employer : XXXX XXXX XXXX Incorrect DOB : XXXX  COLLECTIONS BEING DISPUTED : XXXXXXXX XXXX XXXX XXXX XXXX I am formally disputing all information that lacks verification, factual evidence, or compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. Any alleged delinquency or derogatory status must be backed by tangible proof. If you can not validate this information, you must DELETE it immediately. 

Per 15 U.S.C. 1681i ( 7 ), I request a complete description of the reinvestigation process you used, including the name, address, and phone number of the furnisher ( s ) of this information. You are required to provide this within 15 days of this request.

Additionally, I have previously notified your agency that I am a victim of identity theft and data breach. I filed an official complaint with the FTC, and a copy is attached. Under 15 U.S.C. 1681c-2, you are legally required to BLOCK and DELETE any identity theft-related information within four ( 4 ) business days of receiving proper notice. Yet, the following item remains on my report : XXXX XXXXXXXX XXXX XXXX XXXX This account shows a closed status with a balance of {$1000.00}, despite your failure to address a known billing error in violation of TILA 1666 and FCRA 623 ( a ) ( 1 ) ( A ). 

You had legal notice and chose to ignore it. 

You failed to verify this information properly and are now knowingly furnishing inaccurate, disputed data in violation of : FCRA 1681i FCRA 1681s-2 ( b ) FCRA 1681e ( b ) FCRA 1681n XXXX  already deleted this item. You are knowingly engaging in willful non-compliance. 

You had NO PERMISSIBLE PURPOSE under 1681b to continue reporting unverifiable debt.

You are required to DELETE this account immediately. 

I AM REQUESTING THE FOLLOWING : The name of the original creditor The creditors full address and phone number The name of the person you verified the dispute with The valid documentation used to validate the account A detailed outline of your procedures for ensuring 100 % accuracy in your reports IF YOU CANT PROVE IT, YOU MUST REMOVE IT OR PAY {$1000.00} PER VIOLATION Under FCRA 1681e ( b ), you are obligated to maintain compliance procedures to ensure maximum possible accuracy. I expect either full documentation or for you to REOPEN this dispute and conduct a proper investigation.

Failure to comply with these demands and provide documented proof of your actions and findings will result in civil liability under : 15 U.S. Code 1681n ( Willful noncompliance ) 15 U.S. Code 1681o ( Negligent noncompliance ) You are hereby on notice. If I do not receive a full response and resolution, I will escalate this matter using all available legal remedies under federal law.

Company response to consumer: Closed with explanation