Consumer complaint received 2025-08-31 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:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted, as I have written in my complaint. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of the information reported for the above-referenced account by Experian, Equifax, and TransUnion. Upon careful review, significant inaccuracies and multiple violations were identified : This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S.Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S.Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.

In the attachment included with this letter you will see my identifying information as well as my consumer report from Experian and Equifax which shows I do not have any account of reported on my Experian and Transunion consumer credit report. However this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy.

This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields which do not match between both Experian and Transunion. I demand this account to be removed from consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly deleting that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S.Code 1681i ( 5 ) ( A ).

Remove/Delete the following account ; 1. Collection is unverifiable furnisher failed to provide contract or agreement with my signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 
3. Collection account contains inconsistent reporting across bureaus and must be deleted under 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 4. Account lists conflicting balances and dates. Please verify or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 5. Account lists conflicting balances and dates. Please verify or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 6. Charge-off reflects an incorrect balanceviolates XXXX ( b ) on maximum accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 7. No post-sale disclosure was ever received from the creditorviolates UCC repossession law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S.Code 1681e, failure to maintain reasonable procedures, 15 U.S.Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S.Code 1692e False and Misleading reporting, Violation of 15 U.S.Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S.Code 241.

I am demanding my remedy for your willful noncompliance for each violation of law.

? Violation of 15 U.S.Code 1681e - {$1000.00}? Violation of 15 U.S.Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S.Code 1692e - {$1000.00}? Violation of 15 U.S.Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrates the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought from you by your company. 
l am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S.Code 1681n et seq. 
CC : Registered Agent CC : XXXX XXXX : Privacy Compliance XXXX CC : CFPB XXXX XXXX XXXX XXXXXXXX : NYS Attorney General XXXX XXXX XXXX XXXX This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S.Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S.Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.

In the attachment included with this letter you will see my identifying information as well as my consumer report from Experian and Equifax which shows I do not have any account of reported on my Experian and Transunion consumer credit report. However this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy.

This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields which do not match between both Experian and Transunion. I demand this account to be removed from consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly deleting that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S.Code 1681i ( 5 ) ( A ).

Remove/Delete the following account ; 1. Collection is unverifiable furnisher failed to provide contract or agreement with my signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 2. Validate Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.

XXXX. XXXX account contains inconsistent reporting across bureaus and must be deleted under XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 4. Account lists conflicting balances and dates. Please verify or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 5. Account lists conflicting balances and dates. Please verify or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 6. Charge-off reflects an incorrect balanceviolates 1681e ( b ) on maximum accuracy. 
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 FROM CREDIT REPORT 7. No post-sale disclosure was ever received from the creditor, which violates UCC repossession law. 
XXXXXXXX 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 FROM CREDIT REPORT Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S.Code 1681e, failure to maintain reasonable procedures, 15 U.S.Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S.Code 1692e False and Misleading reporting, Violation of 15 U.S.Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S.Code 241.

I am demanding my remedy for your willful noncompliance for each violation of law. 
? Violation of 15 U.S.Code 1681e - {$1000.00}? Violation of 15 U.S.Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S.Code 1692e - {$1000.00}? Violation of 15 U.S.Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrates the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought from you by your company. 
l am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S.Code 1681n et seq. 
CC : Registered Agent CC : XXXX XXXX : XXXX XXXX XXXXXXXX CC : CFPB XXXX : XXXX  XXXX : XXXX Attorney General XXXX XXXX XXXX XXXX This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S.Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S.Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.

In the attachment included with this letter you will see my identifying information as well as my consumer report from Experian and Equifax which shows I do not have any account of reported on my Experian and Transunion consumer credit report. However this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy.

This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields which do not match between both Experian and Transunion. I demand this account to be removed from consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly deleting that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S.Code 1681i ( 5 ) ( A ).

Remove/Delete the following account ; 1. Collection is unverifiable furnisher failed to provide contract or agreement with my signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 2. Validate Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 
3. Collection account contains inconsistent reporting across bureaus and must be deleted under XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 4. Collection account contains inconsistent reporting across bureaus and must be deleted under 1681i. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 5. Account lists conflicting balances and dates. Please verify or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 6. Account lists conflicting balances and dates. Please verify or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 7. Charge-off reflects an incorrect balanceviolates 1681e ( b ) on maximum accuracy. 
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 FROM CREDIT REPORT 8. No post-sale disclosure was ever received from the creditor violates UCC repossession law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT Remove this account UNDER PENALTY OF PERJURY Delete this account for violation of 15 U.S.Code 1681e, failure to maintain reasonable procedures, 15 U.S.Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S.Code 1692e False and Misleading reporting, Violation of 15 U.S.Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S.Code 241.

I am demanding my remedy for your willful noncompliance for each violation of law.

? Violation of 15 U.S.Code 1681e - {$1000.00}? Violation of 15 U.S.Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S.Code 1692e - {$1000.00}? Violation of 15 U.S.Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrates the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought from you by your company.

l am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S.Code 1681n et seq. 
CC : Registered Agent CC : XXXX XXXX : Privacy Compliance XXXX CC : CFPB XXXX XXXX XXXX XXXX  : XXXX Attorney General

Company response to consumer: Closed with explanation