Consumer complaint received 2025-01-17 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: FL

Complaint narrative:
I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated. Listed below are the Personal Information that are being challenged XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Name : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter XXXX XXXX XXXX XXXX I request that you promptly update your records as they are currently inaccurate and do not meet the minimum standard for accuracy. Failure to correct the inaccurate data may result in legal action. Inaccurate information has no place in either your records or on my credit report, and I demand that it be removed without delay. Incorrect Name : - XXXX XXXX XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Incorrect Name : - XXXXXXXX XXXX XXXXXXXX I kindly request your assistance in rectifying any inaccurately listed names within your database. It would be highly appreciated if you could ensure that my personal information, specifically my full name comprising of XXXX XXXX, is accurately recorded. If you happen to have any alternate or outdated records in your system, I kindly request their immediate removal. XXXX XXXX XXXX XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter I am writing to request your prompt attention to the records associated with the XXXX XXXX XXXX XXXX It has come to my attention that the current records are inaccurate and do not meet the minimum standard for accuracy. As a responsible and law-abiding individual, it is my duty to bring this matter to your attention and request immediate corrective action. Please be advised that failure to correct the inaccurate data may result in legal action. It is imperative that inaccurate information is removed from both your records and my credit report without delay. I trust that you will take the necessary measures to ensure the accuracy of your records and avoid any legal complications. Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX I am writing to bring to your attention a critical matter pertaining to my credit file. It has recently come to my attention that an address is associated with my credit report which is no longer my place of residence and is non-deliverable by the United States Postal Service. In the interest of safeguarding my personal identity and preventing any potential identity fraud, I kindly request that you remove this incorrect address from my file without any delay. Furthermore, I would like to emphasize that I have never resided at the aforementioned address, and thus, this personal information is inaccurate and incomplete. I urge you to take prompt action in removing this information from my credit report, as it is your responsibility to ensure that the information in my file is up-to-date and accurate. Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL XXXX I would like to bring to your attention that the address associated with my profile is no longer valid and has been deemed undeliverable by the United States Postal Service. In order to prevent any potential instances of identity fraud, I kindly request that you remove this address from my account. It is imperative that this action is taken as soon as possible, and I trust that you understand the gravity of this situation. Moreover, I would like to inform you that I have never resided at this address, and therefore, the personal information linked to it is inaccurate and incomplete. I urge you to please delete this address from my credit file to ensure the correctness and integrity of my credit report. Incorrect XXXX : - XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Incorrect DOB : - XXXX Upon careful review of the inaccurate field, I must bring to your attention the non-compliance of the provided data with the prescribed standards. Regrettably, it lacks precision and fails to align with the requisite guidelines. It is of utmost importance that all fields conform rigorously to the Metro 2 standards, without exception. Hence, I respectfully urge you to expeditiously rectify this account, as the presence of incomplete, unverified, and imprecise information poses a potential financial consequence on my behalf. Incorrect Name : - XXXX XXXX XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Incorrect Name : - XXXX XXXX XXXX I kindly request your attention to ensure the accuracy of names listed within your database. I would greatly appreciate it if you could review and rectify any discrepancies that may exist in relation to my personal information. To clarify, my full name is XXXX XXXX. Should any alternative names or variations be present in your records, I kindly ask that you promptly remove them from your system. Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX I would kindly request that you remove the address from my credit file. It has come to my attention that there may have been an inadvertent error on your part, resulting in the mixing or merging of someone else 's information with my file. As per the Fair Credit Reporting Act ( FCRA ), this address is neither my current residence nor can it be delivered to me by the XXXX XXXX XXXX. Therefore, I would like to respectfully urge you to promptly delete this address from my credit report, as the inclusion of another person 's address and personal information in my report is a violation of the law. I appreciate your attention to this matter and thank you in advance for your cooperation. XXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - My Demands1. Investigate and provide all documentation validating the accuracy and legitimacy of these accounts.2. Provide proof of permissible purpose and written consent.3. Remove any unverifiable or inaccurate accounts from my credit report. XXXX - XXXX This correspondence serves as a formal request for the cessation of reporting pertaining to the mentioned account. We kindly request your attestation through documented evidence, affirming the absolute accuracy of all claims presented herein. This entails the physical validation of every detail, encompassing notations, dates, balances, compliance condition code ( XXXX ), and any relevant elements concerning the Metro 2 compliance segments and fields. Your prompt attention to this matter is greatly appreciated. XXXX XXXX XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. XXXX - XXXX I hereby submit a formal request for the cessation of reporting regarding the aforementioned account. Kindly provide documented evidence attesting to the accuracy and validation of all details, encompassing notations, dates, balances, compliance condition code ( s ), and any pertinent elements within the Metro 2 compliance segment and field ( s ). Your prompt attention to this matter is greatly appreciated. XXXX XXXXXXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. Kindly provide assurance of the accurate, verified, and timely compliant reporting of each element within the mentioned claim, ensuring its alignment with regulatory reporting standards, including adherence to the Metro 2 format, or remove it promptly. Please confirm the authenticity and precision of XXXX  XXXX - XXXX to address the perceived inconsistency in reporting. XXXX XXXX XXXX XXXXXXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. The account attributed to XXXXXXXX XXXX bearing the displayed account number XXXX on my report lacks compelling evidence to support its validity, accuracy, and completeness, let alone its certification as compliant with established industry standards. It is crucial to acknowledge that the Consumer Data Industry Association ( CDIA ) itself has insinuated or explicitly stated that any deviation from the law or recognized credit reporting standards renders a claim deficient. Therefore, it becomes imperative to remove any and all such claims from the report and refrain from reintroducing them unless their lawful compliance with all necessary requirements for accurate reporting can be proven. This course of action must be taken, irrespective of any perceived misapplication, willful ignorance, or negligent disregard on your part concerning your reporting practices and claims. It is essential to highlight any deviations, including but not limited to the following deficiencies, as justifiable grounds for the appropriate elimination of the claim 's reportability. XXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. Kindly be apprised that the provided XXXX associated with XXXX has been scrutinized and noted for potential deviations from the mandatory ethical and compliant reporting standards pertinent to the stated claim. It has come to attention that any variance from these established standards raises concerns about the credibility of the submitted data. Noteworthy indications have surfaced, suggesting possible discrepancies in adhering to the requisite certifiably compliant Metro 2 format Standard ( s ) for reporting. XXXX XXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. The account associated with the name XXXX XXXX and the corresponding account number XXXX, as indicated in my report, lacks substantiated evidence of its validity, accuracy, completeness, and compliance with certified reporting standards. It is important to acknowledge the fact that the CDIA ( Consumer Data Industry Association ) itself has either implied or explicitly stated that any deviation from the law or established credit reporting industry standards renders a claim deficient. Consequently, it is imperative to remove any and all such claims from reporting, with the condition that they can only be reintroduced if they can be proven to be lawfully compliant with all requirements for legitimate reporting. This action is necessary, irrespective of any apparent misapplication, willful ignorance, or reckless negligence on your part regarding your reporting practices and claims. It is essential to take note of any deviations, including but not limited to the following issues, as sufficient grounds for the appropriate elimination of the claim 's reportability. XXXX XXXX XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. 1. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. Kindly verify the accuracy and compliance of the reported allegation denoted by XXXX  - XXXX. The alleged deviation from compliant reporting standards necessitates a thorough examination. Please provide certification of the accurate, complete, and timely reporting for each aspect of the claim. Ensure that the information is substantiated, verified, and adheres to all regulatory requirements, including the obligatory conformance to Metro 2 formatting standards. Should these conditions not be met, please promptly remove the entry. XXXX XXXXXXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. I regret to express my disappointment in your failure to furnish documented evidence of compliance with reporting standards and consumer laws. This deficiency is of considerable magnitude. I must insist that you promptly delete this flawed and inaccurate report, as non-compliance may lead to legal repercussions, given the specific requirements outlined in the law regarding compliance and consumer protection. Accurate information is of utmost importance to prevent future complications. Regrettably, it appears that you have not approached this matter with the requisite seriousness, and I am concerned that legal measures may become necessary. XXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. XXXX - XXXX I hereby formally request the discontinuance of reporting for the aforementioned account. Your prompt attention to this matter and your subsequent verification and validation, both physically and through documentary evidence, of all alleged facts, including notations, dates, balances, compliance condition code ( s ), and any relevant aspects within the Metro 2 compliance segment and field ( s ), are kindly solicited to ascertain the accuracy and certainty of the aforementioned claim. XXXX  - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. 1. Unauthorized ReportingLet me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter CELTIC/CONT - XXXX I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting, whether they are listed above or below. As a data reporting provider, it is imperative that you meet the minimum criteria required to report with the conditional privilege to do so. Failure to do so raises doubts about the validity of any and all claims that you make. I dispute the reportability of any claim that you fail to prove conclusively, particularly concerning the mandatory XXXX XXXX Compliance standards. These standards, as laid out by the XXXX in their nearly annual XXXX, are crucial to maintaining the integrity of the data. Any deviation from these standards poses a significant risk to the data 's integrity, and thus, I urge you to adhere to the requisite reporting practices to be deemed certifiably compliant. see attachment

Company response to consumer: Closed with non-monetary relief