Consumer complaint received 2024-10-30 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:
XX/XX/XXXX Dear Sir, Madam, or to whom elsewise it may concern I am absolutely furious about the false and undocumented information in my credit report. Unproven claims are entirely unacceptable, and I vehemently refuse to entertain groundless accusations without solid evidence. It is your legal obligation to accurately report all allegations, refraining from including any claims that violate the law or regulations. I demand physical, verifiable evidence to support the account 's existence and permissible usage. Remove it if you fail to provide evidence. Mail me documentation of your actions and an updated credit report. 
Your lack of accountability infuriates me! False information in my credit report ignites intense anger. Unsubstantiated claims are an insult. Accurately report all allegations, and provide physical evidence for account existence. Remove it without evidence. Mail documentation of actions and updated report. 
Listed below are the Accounts that are being challenged 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settlement accepted on this account, Closed or paid account/zero balance, Account legally paid in full for lass than the full balance. 
, Account legally paid in full for less than the full balance. 
, Settled - less than full balance The information in the upper section is completely unacceptable and does not meet compliance reporting standards. It is concerning that the information has never been verified for accuracy, completeness, timeliness, or validation. I require documented proof of compliance reporting standards and applicable consumer laws. The deficient information must be rectified immediately. I demand that any imperfect, inaccurate, incomplete, or unverified information be deleted with utmost urgency. 
Also, please refer to the image above for XXXX - XXXX to identify additional areas of concern. 
Allow us to scrutinize the reporting of Account No ( XXXX ) : XXXX within the report, and it is with great dismay and exasperation that we uncover a glaring problem with the reported data, blatantly disregarding the essential standards. 
The data 's deplorable lack of accuracy, resulting from its unwarranted deviation from the prescribed criteria, is an infuriating discovery. As you are undoubtedly aware, the unyielding obligation persists to meticulously report all Data fields in unwavering compliance with the esteemed Metro 2 standards, leaving no room whatsoever for the slightest deviation from these indispensable requirements. 
Upon reviewing Date Opened ( XXXX ) : XX/XX/XXXX, it is utterly infuriating to witness a flagrant disregard for essential industry standards regarding data accuracy within your records. The sheer audacity of these deviations from mandatory regulations and compliance guidelines pertaining to this account is enraging! It is abundantly clear that a grievous error or oversight has occurred, and I demand the immediate deletion of this account without delay. Failure to rectify this situation promptly will only serve to compound the already exasperating level of damage caused. 
I am writing this communication with great displeasure and profound dissatisfaction after a meticulous examination of High Credit ( XXXX ) : {$3700.00}. I vehemently contest the accuracy and compliance reports pertaining to this account. It is my firm belief that significant discrepancies exist in the manner in which the account has been reported, thereby posing a detrimental threat to future loans or decisions predicated on these fallacious assumptions. I demand unequivocal substantiation that all requisite procedures have been meticulously adhered to, ensuring the inclusion of precise and unblemished information in our records concerning my personal details. 
Upon reviewing Credit Limit ( XXXX ) : {$0.00}, I must express my vehement displeasure at the flagrant disregard for industry standards governing data accuracy within your records. The audacious deviations from mandatory regulations and compliance guidelines for this account have left me seething with anger! It is abundantly clear that a grievous error has occurred, and I demand the immediate obliteration of this account. Remedial actions must be executed without delay to prevent further egregious damage. 
Allow us to closely examine the reporting of Payment Status ( XXXX ) : Current within the report. It is with an undeniable sense of anger and frustration that we confront the issue at hand, whereby the reported data falls shockingly short of meeting the unequivocal standards that are expected. The blatant deviation from the prescribed requirements renders the data highly questionable in terms of accuracy. It is essential to reinforce your awareness of the absolute obligation to meticulously report all Data fields in strict adherence to the esteemed Metro 2 standards. Any deviation from these non-negotiable requirements is entirely unacceptable and must be rectified without delay. 
Upon stumbling upon Last Reported : XX/XX/XXXX, I am absolutely livid at the audacity displayed in disregarding the paramount importance of upholding industry standards for accuracy within your records. The sheer magnitude of deviations from mandatory regulations and compliance guidelines governing this account has left me in a state of utter shock! It is glaringly evident that an unforgivable error has been committedwithout hesitation, I demand the immediate obliteration of this account! Take action swiftly to rectify this before irreparable damage is inflicted upon us all! 
It has come to our attention that the reported Date Last Active ( XXXX ) : XX/XX/XXXX blatantly disregards the mandated standards for accurate reporting. We demand strict compliance with the Metro 2 guidelines, including the complete and accurate filling out of all fields, prior to adding any information to my credit profile. We insist that you promptly rectify this situation by removing this inaccurate record from my report or furnishing irrefutable evidence of your compliance with the pertinent standards. Failure to address this matter immediately will result in further action. 
Upon my inspection of Date of Last Payment ( XXXX ) : XX/XX/XXXX, I am absolutely livid at the gross negligence 2 of 13 displayed in ensuring the accuracy of the information within your records, as mandated by industry standards. I am utterly appalled by the blatant disregard for the mandatory regulations and compliance guidelines that should govern this account! It is abundantly clear that a colossal error has been madedo not waste another second! Delete this account immediately and address these abhorrent discrepancies before irreparable damage is inflicted. Failure to take swift action will only further fuel my seething anger and amplify the repercussions that will undoubtedly follow! 
It has come to my attention that the reported 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX across all bureaus falls below the required standard concerning reporting requirements and decorum. I am extremely displeased with the inaccurate and inconsistent information provided on your account, which violates the established reporting standards at XXXX. 
Immediate action is necessary to rectify the discrepancies observed, and I urge you to prioritize addressing this matter promptly and effectively. Failure to do so may result in further action being taken. 
XXXX  Collection Balance : {$3800.00} Item Codes Equifax XXXX XXXX Account # XXXX XXXX _ XXXX Account Type XXXX Open Account _ _ Account Type - Detail Collection _ _ Bureau Code Individual _ _ Account Status XXXX Derog _ _ Monthly Payment XXXX {$0.00} _ _ Date Opened XXXX XX/XX/XXXX _ _ Balance XXXX {$3800.00} _ _ No. of Months ( terms ) XXXX XXXX _ _ High Credit XXXX {$3800.00} _ _ Credit Limit XXXX {$0.00} _ _ Past Due XXXX {$3800.00} _ _ Payment Status XXXX XXXX Delinq _ _ Last Reported XX/XX/XXXX _ _ Date Last Active XXXX XX/XX/XXXX _ _ Date of Last Payment XXXX XX/XX/XXXX _ _ 7 Year History XXXX : XXXX XXXX : XXXX XXXX _ _ Comments XXXX Consumer disputes after resolution, Collection account, __ __ Kindly be informed that the aforementioned PORTFOLIO linked to XXXX has been brought under scrutiny due to evident deviations from the obligatory established ethical and compliant protocols governing claim reporting. As stipulated by XXXX guidelines, any deviation from these established norms raises concerns regarding the credibility of the reported data itself. There are discernible indicators that point towards potential inconsistencies with the mandated, verifiably compliant Metro 2 format Standard ( s ) for reporting. 
XXXX  Collection Balance : {$550.00} Item Codes Equifax XXXX XXXX Account # XXXX XXXX _ _ 3 of 13 Account Type XXXX Open Account _ _ Account Type - Detail Collection _ _ Bureau Code Individual _ _ Account Status XXXX XXXX _ _ Monthly Payment XXXX {$0.00} _ _ Date Opened XXXX XX/XX/XXXX _ _ Balance XXXX {$550.00} _ _ No. of Months ( terms ) XXXX XXXX _ _ High Credit XXXX {$550.00} _ _ Credit Limit XXXX {$0.00} XXXX XXXX Past Due XXXX {$550.00} _ _ Payment Status XXXX XXXX Delinq _ _ Last Reported XX/XX/XXXX _ _ Date Last Active XXXX XX/XX/XXXX _ _ Date of Last Payment XXXX XX/XX/XXXX _ _ 7 Year History XXXX : XXXX XXXX : XXXX XXXX _ _ Comments XXXX Consumer disputes this account information, Collection account, __ __ [ account _name ] - [ account _number ] The referenced item under consideration presents itself, based on the provided information, as exhibiting one or more variances from the essential standards upheld for the ethical and lawful submission of said assertion. In accordance with the guidelines set forth by XXXX, any departure from the established norm raises concerns regarding the integrity of the data in question, casting doubt upon its credibility. There are indications that suggest the possible presence of reporting anomalies that deviate from the obligatory, verifiably sanctioned Metro 2 format standards. 
XXXX  Collection Balance : {$650.00} Item Codes Equifax XXXX XXXX Account # XXXX XXXX _ _ Account Type XXXX Open Account _ _ Account Type - Detail Collection _ _ XXXX Code Individual _ _ Account Status XXXX XXXX _ _ Monthly Payment XXXX {$0.00} _ _ Date Opened XXXX XX/XX/XXXX _ _ Balance XXXX {$650.00} _ _ No. of Months ( terms ) XXXX XXXX _ _ High Credit XXXX {$650.00} _ _ Credit Limit XXXX {$0.00} XXXX XXXX Past Due XXXX {$650.00} _ _ 4 of 13 Payment Status XXXX XXXX Delinq _ _ Last Reported XX/XX/XXXX _ _ Date Last Active XXXX XX/XX/XXXX _ _ Date of Last Payment XXXX XX/XX/XXXX _ _ 7 Year History XXXX : XXXX XXXX : XXXX XXXX _ _ Comments XXXX Consumer disputes this account information, Collection account, __ __ I am extremely dissatisfied with your failure to provide documented proof of compliance reporting standards and applicable consumer laws. This is an egregious deficiency and can not be tolerated. I demand that you immediately delete this severely flawed, inaccurate report or face legal action for non-compliance with the aforementioned legal requirements. It is of the utmost importance that we have access to accurate and reliable information so that we can make informed decisions and avoid potentially disastrous consequences. The lack of attention to accuracy and precision shown in this report is unacceptable and can not be excused under any circumstances. 
Additionally, I urge you to review the image above for XXXX - XXXX to identify other areas of concern that need to be addressed immediately. 
XXXX Charge account Balance : {$0.00} Item Codes Equifax XXXX XXXX Account # XXXX XXXX XXXX XXXX Account Type XXXX Revolving (! ) Revolving (! ) Revolving (! ) Account Type - Detail- (! ) Charge account (! ) Charge account (! ) Bureau Code Individual Individual Individual Account Status XXXX Derog Derog Derog Monthly Payment XXXX {$0.00} {$0.00} {$0.00} Date Opened XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Balance XXXX {$0.00} {$0.00} {$0.00} No. of Months ( terms ) XXXX XXXX XXXX XXXX High Credit XXXX {$550.00} (! ) {$0.00} (! ) {$550.00} (! ) Credit Limit XXXX {$0.00} (! ) {$250.00} (! ) {$250.00} (! ) Past Due XXXX {$0.00} {$0.00} {$0.00} Payment Status XXXX Coll/Chargeoff Coll/Chargeoff Coll/Chargeoff Last Reported XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date Last Active XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) 7 Year History XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX Comments XXXX Charged off account, Account transferred or sold, Purchased by a another lender., Unpaid balance reported as a loss by credit grantor., Charged off as bad debt, Purchased by another lender, The present account associated with the account name XXXX and account number XXXX exhibits inconsistencies among the three credit reporting agencies. Any sort of disparity, inadequacy, inaccuracy, or exclusion of the reported details will be considered as a discrepancy from the standardized Metro 2 Data-filled Field Formatted 5 of 13 reporting compliance regulations, which is mandatorily adhered to by the reporting industry. Any deviation from this protocol is considered an act that compromises the data 's integrity, as clearly stated in the XXXX XXXX XXXX. Therefore, until there is irrefutable evidence of the accuracy, completeness, timeliness, and physical verification of all the aspects of the claim, the authenticity of the disputed reported item is legally questionable. This is particularly true if it is not fully compliant with the Metro 2 formatted industry requirements, as mentioned above. Keeping this in mind, we request you to investigate the following doubtful reported data fields of the contested reported item. 
I must vehemently assert my discontent regarding the inclusion of Account Type Details within the report. It has come to my attention with great displeasure that the data pertaining to this account blatantly disregards the well-established reporting standards of the XXXX, presenting a disconcerting display of inaccuracies and inconsistencies. I urgently demand a thorough reevaluation of this matter, with a mandate to substantiate the authenticity, precision, timeliness, verification, and compliance with all mandated requirements. Failure to rectify these egregious discrepancies shall necessitate the immediate removal of my profile, a course of action I strongly urge you to consider. 
I am deeply disturbed and angered by the reported information concerning Date Opened ( XXXX ) : XX/XX/XXXX, which appears to be in flagrant violation of the necessary standards for compliant reporting. Consequently, I am filing a complaint to challenge the reporter 's privilege to report this claim unless they can demonstrate their confirmed and demonstrated adequacy of reporting practices and processes, which must include full compliance with the Credit Reporting Industry 's mandatory Metro 2 Format standards. It is abundantly clear that one or more of the reported Last Verified information is deficient in its reporting proficiency. Thus, it is imperative that the reporter incontrovertibly proves the accuracy, completeness, and compliance of their reporting with the industry standards. Failure to do so will result in severe consequences. 
It has been brought to our attention that the High Credit ( XXXX ) : {$550.00} in question has been reported in a manner that is noncompliant with the requisite reporting protocols. This is highly concerning and necessitates immediate rectification in order to ensure full adherence to the mandated standards. 
I demand your immediate attention to the grave matter of Credit Limit ( XXXX ) : {$0.00} as it appears in the report. The data pertaining to this account is shockingly erroneous and flagrantly inconsistent with the well-established reporting standards upheld by the XXXX. It is imperative that you conduct an immediate and rigorous reassessment to substantiate the veracity, accuracy, timeliness, verification, and compliance of all relevant criteria. Failing this, I insist upon the immediate removal of my profile. 
I am writing to express my utmost frustration and disappointment with regards to the Last Reported : XX/XX/XXXX reported across the three credit reporting agencies. The reporting is highly inconsistent and clearly non-compliant with the established XXXX 's reporting standards. It is possible that this reporting may be untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and/or not confirmed to be compliant with all mandates for ethical and lawful reporting. The fact that this field suggests a potential issue with reporting accuracy and compliance standards is unacceptable and calls for immediate action. I demand that you urgently investigate and rectify this matter to ensure that all reporting is accurate, complete, and fully compliant with industry standards. 
It has come to our notice that the Date of Last Payment ( XXXX ) : XX/XX/XXXX has been reported in a flagrant disregard for the prescribed reporting standards. This is an egregious violation and demands prompt remediation to ensure unmitigated conformity with the stipulated standards. 
XXXX Charge account Balance : {$0.00} Item Codes Equifax XXXX XXXX Account # XXXX XXXX (! ) XXXX (! ) XXXX (! ) Account XXXX XXXX XXXX (! ) Revolving (! ) Revolving (! ) Account Type - Detail- (! ) Charge account (! ) Charge account (! ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Derog Derog Derog Monthly Payment XXXX {$0.00} {$0.00} {$0.00} 6 of 13 Date Opened XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) XXXX XXXX {$0.00} {$0.00} {$0.00} No. of Months ( terms ) XXXX XXXX XXXX XXXX High Credit XXXX {$650.00} (! ) {$0.00} (! ) {$650.00} (! ) Credit Limit XXXX {$0.00} (! ) {$100.00} (! ) {$100.00} (! ) Past Due XXXX {$0.00} {$0.00} {$0.00} Payment Status XXXX Coll/Chargeoff Coll/Chargeoff Coll/Chargeoff Last Reported XX/XX/XXXX ( ! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date Last Active XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date of Last Payment XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) 7 Year History XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX Comments XXXX Charged off account, Account transferred or sold, Purchased by a another lender., Unpaid balance reported as a loss by credit grantor., Charged off as bad debt, Purchased by another lender, I am deeply perturbed by the inclusion of injurious elements in the allegations concerning the following entry on my credit report : XXXX - XXXX. I firmly believe that the reporting of this entry may have been conducted in an unjust, inadequate, or potentially unlawful manner. It is my absolute demand that any accusation of late payments attributed to this entry be expunged promptly, in accordance with the legal requirements. 
I must express my vehement displeasure and profound dismay over the inclusion of the Account No ( XXXX ) : XXXX that has been reported within the document. It is utterly unacceptable and deeply infuriating to witness the presence of data associated with this account that not only exhibits flagrant inaccuracies but also displays a distressing lack of alignment with the long-standing and meticulously defined reporting standards set forth by the XXXX. 
I demand, in no uncertain terms, that you immediately undertake a comprehensive reevaluation of the information and unequivocally substantiate the veracity, precision, completeness ( within the designated timeframe ), authentication, and unwavering compliance with all imperative prerequisites. Failure to rectify this gross misconduct shall leave me with no choice but to insist, with great indignation, that my profile be promptly expunged from the system. 
I must express my profound displeasure concerning the presence of Account Type Details in the report. The data associated with this account is profoundly disconcerting, as it appears to flagrantly deviate from the well-established reporting standards of the XXXX, displaying egregious inaccuracies and inconsistencies. I vehemently insist upon an immediate and thorough reevaluation of this matter, accompanied by irrefutable evidence to substantiate its veracity, precision, timeliness, verification, and full compliance with all mandated requirements. Should these essential criteria remain unmet, I demand the immediate removal of my profile. 
I hereby demand your immediate attention to the flagrant inclusion of the Date Opened ( XXXX ) : XX/XX/XXXX in the report. It is utterly infuriating to witness the presence of data associated with this account that exhibits blatant inaccuracy or flagrant deviation from the well-established reporting standards set forth by the XXXX. I expect and demand a thorough reassessment of the information, accompanied by irrefutable evidence that substantiates its veracity, absolute accuracy, comprehensive nature ( within the specified timeframe ), rigorous verification, and unwavering compliance with all requisite obligations. Failure to comply with these demands will leave me with no choice but to insist on the immediate removal of my profile from your system. 
We must express our strong dissatisfaction and concern regarding the reported High Credit ( XXXX ) : {$650.00}, which can not be confirmed to be valid, accurate, or compliant with the established standards of the credit reporting industry. 
We would like to stress that the XXXX has clearly stated that any deviation from these standards would result in deficient reporting and requires the immediate removal of the claim ( s ) until they can be proven to be compliant with all legal requirements. Regardless of any evidence of misapplication, willful ignorance, or negligence in reporting practices, this action must be taken to ensure compliance. It is absolutely unacceptable that such deviations, such as those listed below, have been allowed to continue and we strongly demand that you take swift action to remove the claim ( s ) from reporting. 
XXXX of XXXX I am deeply incensed and compelled to bring to your immediate attention the egregious presence of the Credit Limit ( XXXX ) : {$0.00} as documented in the report. It is abundantly clear that the data pertaining to this account not only lacks precision but also flagrantly violates the long-established reporting standards set forth by the esteemed CDIA. I demand, in no uncertain terms, that you reevaluate this matter without delay and provide irrefutable evidence substantiating the authenticity, accuracy, comprehensiveness ( within the designated timeframe ), thorough verification, and unwavering compliance with all stipulated prerequisites. Should you fail to meet these expectations, I vehemently insist that my profile be expunged from the system forthwith! 
I vehemently demand your immediate attention to the egregious presence of Last Reported : XX/XX/XXXX within the report. It is with profound discontent that I note the data pertaining to this account starkly deviates from the wellestablished reporting standards meticulously defined by the XXXX, displaying a lamentable lack of accuracy and consistency. I insist upon a comprehensive reevaluation of this matter to incontrovertibly affirm its veracity, precision, timeliness, verification, and unswerving compliance with all stipulated requirements. Should these imperatives remain unmet, I earnestly request the expeditious removal of my profile. 
We are extremely disappointed to inform you that the reported Date Last Active ( XXXX ) : XX/XX/XXXX has not been confirmed to be valid, accurate, or compliant with the standards of the credit reporting industry. It is absolutely unacceptable that any deviation from these standards would result in deficient reporting, and the immediate removal of the claim ( s ) until they can be proven to be compliant with all legal requirements is imperative. It is unacceptable that even with evidence of misapplication, willful ignorance, or negligence in reporting practices, this action must be taken to ensure compliance. We strongly urge you to consider any deviations, such as those listed below, as sufficient grounds for removing the claim ( s ) from reporting. 
I am writing to express my vehement displeasure regarding the presence of Date of Last Payment ( XXXX ) : XX/XX/XXXX within the report. It has come to my utter dismay that the data associated with this account blatantly contravenes the well-established reporting standards mandated by the XXXX, exhibiting flagrant inaccuracies and unwarranted inconsistencies. I demand, in no uncertain terms, an immediate and comprehensive review of this matter to validate the veracity, precision, timeliness, verification, and adherence to all stipulated requirements. Failing this, I insist upon the immediate removal of my profile. 
XXXX Credit Card Balance : {$0.00} Item Codes Equifax XXXX XXXX Account # XXXX XXXX (! ) XXXX (! ) XXXX (! ) Account XXXX XXXX XXXX (! ) Revolving (! ) Revolving (! ) Account Type - Detail- (! ) Credit Card (! ) Credit Card (! ) Bureau Code Individual Individual Individual Account Status XXXX Derog Derog Derog Monthly Payment XXXX {$0.00} {$0.00} {$0.00} Date Opened XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Balance XXXX {$0.00} {$0.00} {$0.00} No. of Months ( terms ) XXXX XXXX XXXX XXXX High Credit XXXX {$2300.00} (! ) {$0.00} (! ) {$3800.00} (! ) Credit Limit XXXX {$0.00} (! ) {$2500.00} (! ) {$2500.00} (! ) Past Due XXXX {$0.00} {$0.00} {$0.00} Payment Status XXXX Coll/Chargeoff Coll/Chargeoff Coll/Chargeoff Last Reported XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date Last Active XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date of Last Payment XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) XXXX of XXXX 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) Comments XXXX Consumer disputes after resolution, Amount in high credit original charge-off amount, Subscriber reports dispute resolved - consumer disagrees., Unpaid balance reported as a loss by credit grantor.,, Charged off as bad debt, Dispute resolved ; customer disagrees, I must express my utmost displeasure with the data presented under XXXX - XXXX. It is imperative to acknowledge that the aforementioned data has never been officially certified to adhere to any established reporting standards. Furthermore, it is crucial to highlight that this information might be deemed inadequate, outdated, or lacking sufficient support. Thus, I earnestly request the prompt removal of any erroneous or unsupported content from this page. 
We regret to inform you that the Account No ( XXXX ) : XXXX has been reported in a manner that is not in accordance with the prescribed reporting standards. This is a matter of grave concern and requires immediate attention to rectify the issue and ensure adherence to the mandated standards. We trust that prompt action will be taken to address this situation and ensure compliance moving forward. 
I wish to express my concern and disappointment regarding the presence of Account Type Details in the report. 
Regrettably, it has come to my attention that the data related to this account does not align with the established reporting standards of the XXXX, raising concerns about its accuracy and compliance. I kindly request a thorough reevaluation to ensure the veracity, precision, timeliness, verification, and full compliance with all necessary requirements. In the event that these expectations are not met, I respectfully request the removal of my profile. 
We would like to bring to your attention that the Date Opened ( XXXX ) : XX/XX/XXXX that has been reported across the three credit reporting agencies is inconsistent. It is our understanding that this reporting appears to be non-compliant with the established XXXX 's reporting standards, which is concerning. Additionally, we believe that this may be untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and/or not confirmed to be compliant with all mandates for ethical and lawful reporting. Given the gravity of the situation, we are concerned that this field suggests that there may potentially be an issue with reporting accuracy and compliance standards. We kindly request that this matter be addressed promptly, as it is of utmost importance to us and our clients. 
I feel compelled to draw your attention to the presence of High Credit ( XXXX ) : {$2300.00} within the report, which has left me deeply disappointed and somewhat frustrated. It has come to my attention that the data associated with this account falls short of the rigorous reporting standards stipulated by the XXXX, displaying disconcerting inaccuracies and inconsistencies. In a respectful yet assertive manner, I urge a thorough reevaluation of this matter to establish its veracity, precision, timeliness, verification, and adherence to all mandated criteria. If these expectations are not met, I must insist on the prompt removal of my profile. 
I feel compelled to bring to your attention the presence of Credit Limit ( XXXX ) : {$0.00} in the report, a matter that has left me deeply disappointed and frustrated. Regrettably, the data associated with this account seems to deviate significantly from the established reporting standards of the XXXX, reflecting a disconcerting level of inaccuracy and inconsistency. I respectfully urge an immediate and thorough reevaluation of this data to ascertain its authenticity, precision, timeliness, verification, and adherence to all requisite standards. Should these expectations not be met, I must insist on the prompt removal of my profile from the system. 
I would like to draw your attention to the presence of an Last Reported : XX/XX/XXXX that has been reported in the provided document. The information pertaining to this account seems to exhibit inaccuracies or inconsistencies when compared to the established reporting standards set forth by the XXXX. I kindly request that you thoroughly reevaluate the data and substantiate its veracity, accuracy, timeliness, verification, and compliance with all necessary requirements. 
If, however, these conditions are not met, I respectfully ask that my profile be promptly removed. 
I must bring to your attention my deep concern and disappointment regarding the presence of Date Last Active ( XXXX ) : XX/XX/XXXX in the report. It has come to my notice that the data XXXX

Company response to consumer: Closed with non-monetary relief