Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
XXXX XXXX Last 4 of social : SS # : XXXX XXXX The unverified items listed below remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



Per 15 U.S. Code 1692c ( identity theft. They arent the original creditor, this is an attempt to collect a debt all illegal. They havent validated anything. CFPB & XXXX ) 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. 
US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 





I demand the following accounts be verified or deleted immediately. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX XXXX  Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 5. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX  Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 6. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE REMA XXXX XXXXXXXX Account Number : XXXX ALSO I HAVE NEVER RECEIVED ANY PROPER DOCUMENTATION THAT I WAS LATE THIS IS ENOUGH REASON WHY I SHOULD DEMAND YOU TO DELETE THIS LATE PAYMENT REMARKS FROM THIS ACCOUNT. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan 7. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX Account Number : XXXX ALSO I HAVE NEVER RECEIVED ANY PROPER DOCUMENTATION THAT I WAS LATE THIS IS ENOUGH REASON WHY I SHOULD DEMAND YOU TO DELETE THIS LATE PAYMENT REMARKS FROM THIS ACCOUNT. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX  Account Number : XXXX ALSO I HAVE NEVER RECEIVED ANY PROPER DOCUMENTATION THAT I WAS LATE THIS IS ENOUGH REASON WHY I SHOULD DEMAND YOU TO DELETE THIS LATE PAYMENT REMARKS FROM THIS ACCOUNT. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan 11. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX XXXX  Account Number : XXXX ALSO I HAVE NEVER RECEIVED ANY PROPER DOCUMENTATION THAT I WAS LATE THIS IS ENOUGH REASON WHY I SHOULD DEMAND YOU TO DELETE THIS LATE PAYMENT REMARKS FROM THIS ACCOUNT. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan 12. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX  XXXX  Account Number : XXXX XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 14. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX  Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

16. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

17. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

18. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXXXXXX XXXX Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

19. WHERE IS THE PROOF THAT I HAVE BEEN ASKING FOR THIS IS A DIRECT OBEDIENCE OF MY RIGHTS UNDER FCRA LAW. YOU DID NOT PROVIDE ME NOTICE OF DELINQUENCY OF ACCOUNTS THIS IS A DIRECT DISOBEDIENCE OF 15 U.S.C. 1681s-2 XXXX  Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

20. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX Please remove it from my credit report. 

21. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX  XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

23. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

24. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX  Account Number : XXXX Please remove it from my credit report. 

25. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

26. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims. 

This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( XXXX ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( XXXX ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particular, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. 



Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA , my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. 

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 






Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief