Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
I am writing to make it absolutely clear that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I expect my dispute to be handled in full compliance with federal law.

Furthermore, I am aware that Equifax, Experian, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes. For example, the Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax {$15.00} million for inadequate handling of credit report disputes. This demonstrates a clear pattern of non-compliance with federal regulations, and I want to ensure that my dispute is processed correctly. 
I also understand that credit bureaus often send automated stall letters or claim that disputes were not submitted directly by the consumer. I want to be very clearthis dispute is 100 % from me. Any attempt to claim otherwise will be considered a direct violation of my consumer rights. 
I am requesting that you send a written response to me at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD, XXXX The only response I will accept is a written response sent to the address listed above, specifically addressing the items I have disputed. I expect full compliance with the law and a proper investigation into the matters I have raised. 
Failure to adhere to these requirements will result in further action as allowed under the FCRA. To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 
Personal Information for Experian NAME : XXXX XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. The only name that you should have on file for me is XXXX XXXX. 
CURRENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX, XXXX, MD XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX, XXXX XXXX I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
Yours Truly XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

Company response to consumer: Closed with non-monetary relief