Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX XXXX stipulates that ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.

My next letter will be a formal notification of my intent to take legal action against you, known as a XXXX notice. To be clear, you must demonstrate full compliance with all requirements and standards of the FCRA and the XXXX XXXX  Metro 2 Compliance mandates. I demand verification that every employee at your firm who has accessed or worked on the file in question has been properly trained in Metro 2 data field formatted reporting standards by a certified and qualified instructor.

I am not confident that you can meet the necessary requirements to successfully defend yourself in court, and I will use any deficiencies in your compliance to seek a minimum of {$1000.00} per violation, of which there appear to be many. Unless your letter confirms that you have already annulled the unproven claims against me and completely erased any records related to these claims, I will assume that you are hostile to my demands for proper reporting and intentionally disregarding your duties. If this is the case, civil suits are inevitable, and criminal charges may also be considered if your deception or lack of compliance causes any harm.

I conclude my communication with you with a genuine sense of professionalism and sincerity.

I am a victim of identity theft due to a data breach, and my Social Security number has been compromised. Under 15 U.S.C. 1681c-2 ( a ), you must block and remove all fraudulent information from my credit report within four business days of receiving this request.

I have identified the following disputed items as fraudulent : XXXX XXXX XXXX XXXXXXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the EQUIFAX and XXXX XXXX XXXX BREACH, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXXXXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the EQUIFAX and XXXX XXXX XXXX BREACH, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY.

You are legally required to take action. If you fail to remove this fraudulent information, I will file a small claims lawsuit against your agency. Each violation carries statutory damages of {$1000.00} per 15 U.S.C. 1692k. The violations include but are not limited to : Defamation of character Negligent enhancement of identity fraud Failure to comply with the Fair Credit Reporting Act Civil liability for negligent non-compliance 15 U.S.C. 1681o Civil liability for willful non-compliance 15 U.S.C. 1681n ( b ) Failure to comply with 15 U.S.C. 1692g Violation of permissible purposes of consumer reports 15 U.S.C. 1681b Failure to provide the method of verification 15 U.S.C. 1681i ( 7 ) Violations of my right to privacy 15 U.S.C. 1681a ( 4 ) Failure to comply with consumer report requirements 15 U.S.C. 1681c I expect immediate action. Block and delete the fraudulent account and send me an updated copy of my credit report. This is a legally binding demand.

Company response to consumer: Closed with non-monetary relief