Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute and demand the correction or deletion of inaccurate and unverifiable information currently appearing on my credit report. I understand the critical importance of credit reporting agencies adhering to mandatory reporting standards under federal law, and I trust that you will treat this matter with the seriousness it requires. 

1. Request for Verification and Documentation Pursuant to 15 U.S.C. 1681e and 12 CFR Part 1022 ( Regulation V ), I request that you provide physical documentation to substantiate any claims or allegations made against me. Any reporting must be supported by verifiable billing records and must meet the standards of Metro 2 Format compliance.

Failure to produce such documentation or verify the accuracy of reported items constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and may warrant legal action.

2. Disputing Inaccurate Personal Information I am disputing the presence of incorrect names, addresses, and other personal identifiers that do not belong to me. Under 15 U.S.C. 1681c, this information must be immediately removed, as its presence results in misattributed accounts and reporting errors.

3. Disputed Account Late Payment Reporting You are currently reporting an account as 60 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX, despite the account being fully paid. Please provide verified billing records substantiating these claims. 

Your failure to do so may constitute violations of : FCRA 1681e ( b ) Reasonable procedures to ensure maximum possible accuracy FCRA 1681s-2 ( b ) Duties of furnishers upon notice of dispute Metro 2 guidelines Accurate payment reporting Additionally, given the impact of the Equifax data breach, the accuracy and integrity of your data sources are in question. Continued reporting of unverified, false information amounts to willful noncompliance under FCRA 616 and 617.

If you can not validate this information, you are legally obligated to delete it from my report. Failure to comply will result in regulatory escalation and legal action. 

4. Dispute Regarding XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX The data reported for this account lacks accuracy and fails to meet industry standards. I request its immediate removal due to : Inconsistencies across the three credit bureaus Non-compliance with Metro 2 Format standards Violations of the required completeness and accuracy criteria You are required to prove full compliance with Metro 2 standards or cease reporting this account.

5. Multiple Account Issues and Inconsistencies The following issues have also been identified across other accounts : Account Status ( BS-17A ) reported as Paid is inconsistent across agencies. 

Date Opened ( BS-10 ) : XX/XX/XXXX and XX/XX/XXXX are inaccurate or unverifiable. 

Last Reported Dates and Date Last Active ( BS-8 ) : XX/XX/XXXX show deviations and potential errors. 

These inconsistencies undermine the integrity of the entire credit report and violate both Metro 2 standards and the FCRA.

6. Demand for Immediate Action You are hereby instructed to : Delete all inaccurate and unverifiable information Provide full billing statements for any disputed account Explain the method of verification used for each item Ensure full Metro 2 compliance in all fields If you fail to act within the required timeframe, this will be treated as a willful violation of my rights, and I will not hesitate to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General.

Thank you for your immediate attention to this matter. I expect a full resolution within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief