Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally demanding immediate correction of the numerous violations present in my credit report. The reporting of inaccurate, incomplete, and unverified information represents a direct violation of my consumer rights under multiple provisions of federal law, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( Reinvestigations of disputed information ) 15 U.S. Code 1681e ( b ) ( Reasonable procedures to assure maximum possible accuracy ) 15 U.S. Code 1681s-2 ( Responsibilities of furnishers of information ) Metro 2 Credit Reporting Resource Guide ( 2020 CRRG Standards ) The information being reported is inaccurate and non-compliant with Metro 2 data field formatting standards. Your failure to maintain factual accuracy is unacceptable. I demand that you conduct a full reinvestigation, supported by physical documentation and original source data that proves the accuracy and permissible purpose for reporting each disputed item. Any deviation from these standards constitutes willful non-compliance and opens your agency to serious legal consequences.

The use of form letters in response to my specific disputes is unacceptable. As outlined under 15 U.S. Code 1681i ( a ) ( 6 ), you are legally obligated to address each dispute based on its own merits, regardless of whether third-party software or assistance was used to generate my correspondence. I personally authored these disputes, and failure to process them correctly will be treated as intentional obstruction of my consumer rights.

I hereby invoke my rights under federal law and demand the permanent deletion of any and all accounts that can not be 100 % verified with complete, original documentation. Unsupported data must be deleted immediately to avoid further violations and potential financial harm to me. 

The following Personal Information is being disputed : Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Employer : XXXX XXXX XXXX XXXX The following Accounts and Collections are being disputed due to unverifiable, inaccurate, and non-compliant reporting : Accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX Collections : XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX  - XXXX Your failure to provide complete verification will be treated as willful negligence. If you are unable or unwilling to provide full compliance with FCRA, Metro 2 standards, and all legal obligations, DELETE these accounts from my credit file immediately.

Any delay, evasion, or issuance of template responses will be viewed as a conscious violation of my rights, and I will pursue full legal remedies including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Office of the Comptroller of the Currency ( OCC ), State Attorney General, and potential civil litigation.

Mail me a full report of your investigation results along with an updated credit report reflecting only accurate, verifiable data

Company response to consumer: Closed with explanation