Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). You have reported items on my credit file that are inaccurate, unverifiable, and in violation of Metro 2 reporting standards. Each of the following accounts is damaging my credit profile unlawfully. I demand permanent DELETION of these accounts, not correction or reinvestigation. 

XXXX XXXXXXXX XXXX XXXX This account is reporting 30-day late payments that are false, inconsistent, and damaging to my creditworthiness. The furnisher and bureau have failed their obligations under FCRA 1681i and Metro 2 standards by continuing to publish derogatory data without verifiable proof. This is willful noncompliance and reckless disregard for accuracy. I demand these late payment remarks be permanently DELETED and the account updated to Paid as Agreed, because anything less continues to misrepresent my payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX  This account continues to report late payments and derogatory remarks that are false, inconsistent, and unverifiable. You have already failed to properly investigate under FCRA 1681i and Metro 2 guidelines. Your willful noncompliance and reckless disregard for accuracy leaves no other optionI demand this account be permanently DELETED from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX This account is reporting as a charge-off with late payments and derogatory remarks that are inconsistent, unverifiable, and in direct violation of FCRA 1681i and Metro 2 standards. The bureaus and furnisher have failed to ensure maximum possible accuracy by publishing conflicting balance amounts and dates, which misrepresents the true status of the account. Continuing to report this as charged off while reflecting payment activity is misleading, reckless, and shows willful noncompliance. I demand this account be permanently DELETED from my credit file immediately, as its presence unfairly damages my creditworthiness and violates federal reporting requirements. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX This collection account is reporting false, incomplete, and unverifiable information in violation of FCRA 1681i and Metro 2 compliance standards. The data furnished is inconsistent across bureaus, lacks verifiable proof of ownership, and continues to misrepresent the debt. Your refusal to correct this despite prior disputes shows willful noncompliance and reckless disregard for accuracy. I demand this account be permanently DELETED from my credit file immediately, as its continued reporting unfairly damages my creditworthiness. 

XXXX XXXX XXXX XXXX  This account is reporting as a charge-off with derogatory remarks that are inaccurate, inconsistent, and unverifiable. The bureaus and furnisher have failed to comply with FCRA 1681i and Metro 2 reporting standards by allowing conflicting and incomplete data to remain. Reporting a balance of {$40.00} as charged off is reckless, misleading, and willfully noncompliant. This is a direct violation of my rights under federal law. I demand this account be permanently DELETED from my credit file immediately, as its continued presence unfairly damages my credit standing. 

XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting as a collection with data that is incomplete, inconsistent, and unverifiable. The furnisher has failed to provide accurate reporting under Metro 2 standards and the bureau has ignored its duty under FCRA 1681i to ensure maximum accuracy. The balance amounts are conflicting, the original creditor information is unclear, and no verifiable proof of ownership has been provided. This is reckless, misleading, and shows willful noncompliance. I demand this account be permanently DELETED from my credit file immediately, as its continued reporting is unlawful and unfairly damages my credit profile. 

Unauthorized Inquiries ( FCRA 604 Violations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. You have no documented permissible purpose as required by FCRA 604. Reporting them is unlawful. Permanently DELETE them immediately. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. DELETE these immediately or provide evidentiary proof of the legal right to retain such information. 

Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE these addresses immediately or provide evidentiary proof of the legal right to retain such information. 

Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE these immediately or provide evidentiary proof of the legal right to retain such information. 

Final Demand Each of these accounts, inquiries, names, addresses, and employers is inaccurate, incomplete, and unverifiable. Continuing to report them is reckless and unlawful. I am demanding immediate and permanent DELETION of the above from my credit file. Failure to comply will be considered willful noncompliance, and I will not hesitate to escalate this matter through legal action and complaints with the CFPB, FTC, and Attorney Generals office.

Company response to consumer: Closed with non-monetary relief