Consumer complaint received 2025-09-27 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: NY

Complaint narrative:
I am demanding immediate action under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 and Metro 2 accuracy standards. Your continued reporting of false, derogatory dataafter prior disputesconstitutes willful noncompliance under 15 USC 1681n. Your misconduct has directly impacted my XXXX XXXX XXXX ( XXXX ) and I will not tolerate it. 

PERMANENT DELETION CLOSED / CHARGE-OFF / COLLECTION ACCOUNTS XXXX XXXX XXXX You are reporting false late payments and conflicting dates across bureaus. You failed to provide lawful verification after my prior disputes. I demand permanent deletion for continued unlawful reporting. XXXX impacted. 

XXXX XXXX XXXX Data is inconsistent across all three bureaus and remains uncorrected after disputes, violating FCRA 1681i and Metro 2. I demand permanent deletion. XXXX impacted. 

XXXX XXXX This closed account shows derogatory history despite a XXXX balance. Your reporting is inaccurate and unverifiable. I demand permanent deletion. XXXX impacted. 

XXXX XXXX XXXXXXXX You continue to report collection/charge-off notations without lawful validation. This is reckless noncompliance. I demand permanent deletion. XXXX impacted. 

XXXX XXXX XXXX Closed, {$0.00} balance, yet still reported as collection/charge-off. This is deceptive and unlawful. I demand permanent deletion. XXXX impacted. 

XXXX XXXX XXXX Reported as charge-off/collection with conflicting records that fail Metro 2 accuracy. I demand permanent deletion. XXXX impacted. 

XXXX XXXX XXXX Closed account still marked as charge-off/collection. Unverifiable and damaging. I demand permanent deletion. XXXX impacted. 

PERMANENT DELETION UNAUTHORIZED HARD INQUIRIES ( FCRA 604 ) XXXX XXXXXXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX / XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

XXXX / XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

BANK XXXX XXXX XX/XX/XXXX Not authorized or permissible purpose. Permanently delete. XXXX impacted. 

PERMANENT DELETION INACCURATE PERSONAL IDENTIFIERS Incorrect Name XXXX XXXX XXXX Inaccurate personal identifier. Permanently delete. XXXX impacted. 

Incorrect Name XXXX XXXX XXXX Inaccurate personal identifier. Permanently delete. XXXX impacted. 

Incorrect XXXX XX/XX/XXXX Inaccurate date of birth. Permanently delete. XXXX impacted. 

Incorrect XXXX XXXX Inaccurate date of birth. Permanently delete. XXXX impacted. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Inaccurate address. Permanently delete. XXXX impacted. 

Incorrect Address XXXX XXXX XXXX, XXXX, NY XXXX Inaccurate address. Permanently delete. XXXX impacted. 

Incorrect Address XXXX XXXX XXXX, XXXX, NY XXXX Inaccurate address. Permanently delete. XXXX impacted. 

Incorrect Address XXXX XXXX XXXX, XXXX, NY XXXX Inaccurate address. Permanently delete. XXXX impacted. 

Incorrect Employer XXXX XXXXXXXX XXXX Inaccurate employer entry. Permanently delete. XXXX impacted. 

Incorrect Employer XXXX XXXX Inaccurate employer entry. Permanently delete. XXXX impacted. 

Incorrect Employer NY BLOOD CENTER Inaccurate employer entry. Permanently delete. XXXX impacted. 

CORRECTION ONLY OPEN ACCOUNTS ( REMOVE LATES / UPDATE TO PAID AS AGREED ) I am not seeking deletion of the following active accounts. Your duty under FCRA XXXX and XXXX XXXX is accuracy. Remove all negative payment remarks and update to Pays/Paid as Agreed. XXXX impacted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your repeated mishandling of my disputes, refusal to provide a lawful method of verification, and continued publication of false data show reckless disregard for my rights. Delete the listed closed items immediately and correct the open accounts now. Anything less is willful noncompliance under the FCRA, and I am fully prepared to escalate.

Company response to consumer: Closed with non-monetary relief