Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I want to remind you that, absent legal authority or a written agreement between us, you can not compel me to engage in any business interactions with you, and I will not do so. If you choose to proceed in a manner that causes me harm, even in the slightest, it will be considered an act of harassment or willful extortionboth of which are criminal offenses in my state of residence. Any such behavior will prompt me to take appropriate action. 

Therefore, I demand that you immediately rectify the deceptive and misleading reporting shown on my current consumer credit profile by eradicating and/or removing the following delinquently reported item ( s ) : Please acknowledge receipt of this letter and notify me of the actions you have taken regarding the removal of these items within 20 days of receiving this notice. 

Listed below are the collections 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 I also wish to bring to your attention that the aforementioned data has not been certified to comply with established credit reporting standards. Furthermore, this information may be incomplete, outdated, or unsupported by valid documentation. Accordingly, I respectfully request the removal of any such inaccurate or unverifiable content. 

We respectfully assert that the reporting of the account type as Installment can not be confirmed as valid, accurate, or compliant with the credit reporting industrys standards. The XXXX XXXX XXXX XXXX ( XXXX ) has clearly stated that any deviation from these standards results in deficient reporting. In such cases, the claim ( XXXX ) must be removed until they are validated in accordance with legal requirements. This applies regardless of whether the error is due to misapplication, willful ignorance, or negligence in reporting practices. 

For example, the information reported as " High Credit ( BS-12 ) : {$0.00} '' appears to diverge from required reporting standards. This discrepancy violates XXXX reporting requirements and calls into question the accuracy and completeness of the report. As a result, a thorough investigation is needed to determine if this reporting is ethical and legally compliant. 

I remind you again : you must remove any of the claims listed above that do not meet the minimum reporting criteria required under XXXX 's XXXX XXXX Compliance standards. If you can not provide verifiable, factual documentation supporting the legitimacy of these claims, then I dispute their reportability. The XXXX XXXX XXXX XXXX XXXX ( XXXX ) states : " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, I challenge you to validate each claim 's accuracy and compliance. If you are unable to do so, the claim ( s ) must be immediately deleted from my credit report. 

Listed again below are the collections being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to reiterate that, in the absence of legal authority or a written agreement between us, you have no right to compel any form of interaction with me, and I will not participate. If you persist in causing me harm, even minimally, it will be treated as willful harassment or criminal extortion. Accordingly, I expect you to correct the deceptive entries in my credit profile by removing the following accounts : Please acknowledge receipt of this letter and notify me of your actions regarding the disputed accounts within 20 days of your receipt. 

The disputed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy of information on my consumer report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Your failure to maintain accurate records and conduct proper reinvestigation puts you in direct violation of federal law. 

Specific Account Issues : XXXX XXXX XXXX XXXX This charged-off account is marked as Indeterminate, yet you report a {$0.00} balance alongside a past due amount with no supporting record. This is false reporting and violates XXXX XXXX. XXXX and XXXX. Inconsistent dates of last activity across all three credit bureaus show your failure to comply with XXXX XXXX and FCRA accuracy standards. Why are you reporting conflicting data on an account with no legitimate debt? Why have you ignored repeated disputes and failed to correct the discrepancies? This is not a mistakeit is willful non-compliance. DELETE this account immediately or face legal action under XXXX XXXX. XXXX. 

XXXX XXXX XXXX XXXX This account mirrors the issues above. It is reported as charged-off and Indeterminate with a {$0.00} balance and a past due amount without valid records. The dates of last activity vary across credit bureaus. This false and inconsistent reporting violates XXXX XXXX. XXXX and XXXX. DELETE this account immediately. 

XXXX XXXX XXXX This account is riddled with inconsistencies. Equifax shows it as XXXX, Experian as XXXX, and TransUnion as XXXX. There are conflicting data points across all key fields : date opened, date closed, last activity, last payment, payment history, balance, high balance, and credit limit. These contradictions violate XXXX XXXX. XXXX and XXXX. If you can not produce consistent, documented proof, DELETE this account immediately. This is your final warning before I escalate to the CFPB, FTC, and legal counsel. 

XXXX BANK DELAWARE XXXX This charged-off account is closed, yet you report a {$12000.00} balance and a past due amount with no supporting documentation. That is false and misleading, in violation of XXXX XXXX. XXXX and XXXX. The dates of last activity vary across credit bureaus, indicating non-compliance with XXXX XXXX and FCRA requirements. Why are you reporting a balance on a charged-off, closed account? Why haven't you corrected the discrepancies after multiple disputes? DELETE this account immediately or face liability under XXXX XXXX. XXXX. 

XXXX XXXX XXXX XXXX Similar to the XXXX account, this charged-off account is closed, yet you report a {$14000.00} balance and a past due amount without proper documentation. The dates of last activity differ across credit bureaus, indicating willful misconduct and a violation of XXXX XXXX and FCRA standards. DELETE this item immediately. 

XXXX XXXX XXXX XXXX XXXX This charged-off account is marked as Indeterminate, showing a {$0.00} balance and a past due amount with no valid documentation. Reporting discrepancies across all three credit bureaus violate XXXX XXXX. XXXX and XXXX. Your continued refusal to correct these issues constitutes willful non-compliance. DELETE this item immediately. 

Violation of XXXX XXXX. XXXX Reinvestigation of Disputed Information You are legally obligated to conduct a reasonable reinvestigation of any disputed item. I demand that you provide the following : The name, address, and contact details of the entity that verified each disputed account. 

The method and documentation used to confirm the accuracy of each disputed item. 
Proof of compliance with XXXX XXXX. XXXX by the information provider. 

If you can not provide this verification, you must delete the disputed information from my report immediately. 

Violation of XXXX XXXX. XXXX Willful Non-Compliance Your failure to correct the errors constitutes willful non-compliance. I reserve the right to pursue : {$1000.00} per violation in statutory damages Actual and punitive damages in a court of law XXXX fees and court costs You have 15 days to respond with proper verification or remove all inaccurate and unverifiable information. Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel.

Company response to consumer: Closed with non-monetary relief