Consumer complaint received 2025-06-12 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: IN

Complaint narrative:
I am disappointed and angered by the violation of my consumer rights due to the reporting of inaccurate information. Transparency and fairness are essential, and I expect full disclosure regarding any lapses in accuracy or compliance. Please provide all necessary documentation promptly.

Negative information, certified or not, holds no value to me. My priority is factual and truthful data about your company and my credit profile. The credit report I received fails to meet FCRA requirements and Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and accurate document supporting each claim.

Data integrity is a serious concern. Any deviation from legal and technical standards compromises credibility. The information in your report lacks accuracy and raises questions about proper formatting and reporting procedures. I demand the immediate deletion of any false accounts from my credit report to avoid further financial harm. Accuracy, verification, and legal compliance are non-negotiable.

The following personal information is being challenged : Employer : XXXX Employer : XXXX The following accounts are being challenged : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following collections are being challenged : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I formally dispute any undocumented or unverifiable information in my credit report. Full compliance with the FCRA and Metro 2 standard is required. Provide supporting evidence or permanently delete the unproven claims. Mail all documentation and an updated credit report. 

I am again expressing disappointment with the continued inclusion of unsupported claims in my credit profile. It is critical that all reporting be factual and legally validated. You must provide verifiable evidence of each accounts existence and legal right to report, or DELETE the information. Mail physical documentation and the updated credit report as authorized. 

Additional personal information being challenged : Employer : XXXX XXXX Employer : XXXX Employer : XXXX Additional account being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additional 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 XXXX XXXX XXXX I am formally disputing all undocumented, inaccurate, or false data in my credit report. These claims of delinquency lack substantiation and are unacceptable. You are required by law to report truthfully. Provide physical proof or DELETE the disputed information. Mail the documents and an updated credit report. 

I express continued concern and disappointment regarding the presence of unverified and inaccurate items in my credit file. These baseless allegations must be addressed. Ensure compliance with Metro 2 standards. Provide documented verification or DELETE immediately. I expect physical copies and an updated report. 

Additional personal information being challenged : Incorrect Date of Birth : XX/XX/year> Employer : XXXX Additional accounts being challenged : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional collections being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I formally request deletion of all inaccurate information and demand valid documentation proving lawful and permissible reporting. If no such evidence is available, DELETE these errors entirely to comply with FCRA. You have not provided verified consumer authorization for this reporting. Rectify these issues immediately and maintain Metro 2 compliance. I also request copies of all authorizations from the involved furnishers.

As a consumer, I have serious concerns about the inadequacies in your reporting. Your failure to meet basic accuracy and formatting standards violates both FCRA and Metro 2 compliance rules. These regulations exist to protect consumers from precisely the kind of rights violations Im now experiencing

Company response to consumer: Closed with non-monetary relief