Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is my formal dispute and demand for immediate and permanent deletion of the inaccurate information identified below that is being reported on my consumer report. Your continued failure to comply with federal law after multiple disputes constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( reinvestigation duties ) and 1681s-2 ( b ) ( furnisher duties ).

A. Items Not Belonging to Me/ Unauthorized XXXX Inquiry dated XX/XX/XXXX This inquiry is not mine. Remove it from my credit file immediately. 

B. Inaccurate Personal Identifiers Being Attributed to Me These identifiers are not mine and must be removed from my file and suppressed from future matching : Incorrect Name : XXXX XXXX Incorrect Date of Birth : XX/XX/XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Delete any and all occurrences of the above identifiers. ) C. Accounts Reported with Blatant Inaccuracies/ Not in Metro 2 Compliance XXXX XXXX, XXXX ( also appearing as XXXX ) Acct. No. XXXX I demand permanent deletion of this account. The reporting is inaccurate, inconsistent, and unverifiable, and it fails to meet Metro 2 standards. You have continued to publish false derogatory information after multiple disputes, including reporting a past-due balance after payment and failing to correct contradictory data. This violates 15 U.S.C. 1681i and 1681s-2 ( b ). Because you have not furnished complete, verifiable documentation establishing accuracy, the only lawful remedy is immediate deletion. 

XXXX Acct. No. XXXX I demand permanent deletion of this account. The data reported is inconsistent across bureaus, unverifiable, and not in Metro 2 compliance ( no clear validation of the original creditor, payment history, or contractual obligation ). After prior disputes, you failed to properly validate or correct the item, yet continue to circulate misleading derogatory information, in willful noncompliance with 1681i and 1681s-2 ( b ). As you can not demonstrate complete accuracy, this account must be deleted immediately. 

My Rights and Your Obligations If you are a consumer reporting agency, you must conduct a reasonable reinvestigation of each disputed item, delete unverifiable information, and notify the furnisher ( s ) of this dispute pursuant to 1681i ( a ) ( 2 ).

If you are a furnisher, you must investigate, review all relevant information, and delete or correct any information that is inaccurate or can not be verified, as required by 1681s-2 ( b ).

I also request the description of the procedure used in your reinvestigation and the name, address, and telephone number of each furnisher you contacted, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Upon deletion or correction, provide a written confirmation and an updated copy of my consumer report. 

These errors have caused ongoing harm to my credit reputation and financial standing. The continued reporting of false data after multiple disputes constitutes willful noncompliance with federal law. I have repeatedly requested reinvestigation and deletion, yet the bureaus and furnishers have failed to take lawful corrective action or provide verifiable proof of accuracy.

Company response to consumer: Closed with non-monetary relief