Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Dispute and Demand for Permanent Deletion of Inaccurate Public Record Under FCRA and Metro 2 Compliance Standards To Whom It May Concern, I am formally contesting any inaccurate or undocumented information on my credit report, including any unverified claims. Under the Fair Credit Reporting Act ( FCRA ) and the accepted Metro 2 data reporting standards, I challenge the reportability of these unsubstantiated allegations. Federal and state laws mandate accurate reporting, and it is improper to report unlawful or unverified claims. Please ensure all information you report is accurate, complete, and supported by verifiable evidence. I request that you provide documented proof of the existence of the account and confirm its permissible purpose under the FCRA. If you can not provide such evidence, I demand immediate removal of the account from my credit report. Additionally, please provide physical documentation of your investigation and an updated copy of my credit report reflecting any corrections. Regarding the public record identified as XXXX - XXXX : I formally request the immediate discontinuance of reporting related to this claim. To proceed, please furnish documented verification for all reported details, including notations, dates, balances, compliance condition codes, and other relevant Metro 2 compliance fields. The claim appears deficient in accuracy and reportability and requires your urgent review. It is mandatory that all entities reporting consumer credit information comply with fair, truthful, complete, and timely reporting practices and relevant regulations. Willful or reckless reporting of false or unverifiable information, especially after prior notice of errors, violates federal law and consumer rights. Failure to maintain accuracy can lead to mixed or merged information, incorrect reporting status or dates, and negatively impact credit scores, credit-to-balance ratios, debt-to-income ratios, and overall creditworthiness. These inaccuracies could adversely affect my ability to obtain loans, housing, or employment. If you are unable or unwilling to verify the legitimacy and accuracy of this information, you must remove it permanently from my credit file. Please take note of the suspected reporting deficiencies outlined and ensure your actions comply fully with federally mandated fair reporting practices. Furthermore, I have not been notified of any reinsertion or validation of derogatory information currently reported. Under Metro 2 standards and federal law, failure to respond to consumer disputes within 30 days ( or 45 days in some cases ), without notifying me of an extended investigation period, requires immediate and permanent deletion of the contested information. Your report must also include a clear statement acknowledging my dispute of the adequacy and accuracy of the claims. As a consumer, I reserve the right to file a civil suit and seek monetary damages of {$1000.00} or more for violations of the FCRA. I will not hesitate to pursue legal action if I suffer damages from inaccurate or unlawful reporting. Formal Demand Regarding XXXX  - XXXX This dismissed XXXX XXXX XXXX  ( filing date XX/XX/year>, {$0.00} balance, dismissednot discharged ) continues to be reported inaccurately as a derogatory public record. This constitutes willful noncompliance with FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and Metro 2 reporting protocols. Why is a dismissed proceeding being reported without proper verification of final disposition? Why has this not been deleted after repeated notices of inaccuracies, inconsistent public record sourcing, and absence of any validated obligation? This account was impacted by the Equifax and National Public Data breaches, compromising the integrity of related reporting channels. Your failure to confirm authenticity, origin, or legal standing before reporting violates FCRA 1681b, 1681g, and 1681c-2. Furthermore, 524 ( a ) of the XXXX  Code restricts adverse reporting post-dismissal. Despite receiving notice, you failed to validate and continue to report this erroneous information. This is willful misconduct and exposes you to liability under FCRA 1681n. This dismissed bankruptcy has been deleted from Experian and TransUnion, yet you persist in reporting it. This ongoing misreporting violates multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not provide information they know or have reasonable cause to believe is inaccurate. 15 U.S.C. 1681e ( b ) : Furnishers must follow reasonable procedures to ensure maximum possible accuracy. 15 U.S.C. 1681i ( a ) : Furnishers must promptly investigate and correct or delete unverifiable information. 15 U.S.C. 1681n : Willful noncompliance subjects furnishers to statutory damages and penalties. Metro 2 Compliance Standards : Public record data must reflect dismissal status accurately with zero balance and no liability. Please explain your continued reporting of an account removed by other major bureaus and compromised by data breaches. Your willful failure to comply with federal law and Metro 2 standards harms consumer protections and causes demonstrable injury. You lack any permissible purpose to report this dismissed bankruptcy. Delete this information from my credit file immediately. Failure to comply will compel me to pursue all available formal complaints and legal remedies.

Company response to consumer: Closed with explanation