Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully reported on my credit file. Each of these items violates the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of accuracy, you are legally required to delete these items. 

XXXX XXXX XXXX This account is being reported with inconsistent, inaccurate, and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false information after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. This demonstrates willful non-compliance and reckless disregard for consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully and permanently deleted immediately. 

XXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which violates the accuracy requirements under the FCRA and Metro 2 compliance standards. You are knowingly continuing to report false information after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my consumer rights. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for corrections or updatesit must be fully and permanently deleted immediately. 

XXXX XXXX This account is being reported with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which makes the reporting inaccurate and in direct violation of the FCRA and Metro 2 compliance standards. You are knowingly continuing to publish false and unverifiable information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my rights as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. 

XXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 accuracy standards. If one bureau already deleted it, that confirms it can not be fully verified. You are knowingly reporting false information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully deleted immediately. 

XXXX XXXX XXXX This account is being reported with inconsistent and unverifiable information across the bureaus. The balance, dates, and remarks do not match, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false data after prior disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and disregard for my consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. 

XXXX XXXXXXXX XXXX This account is reporting with inconsistent and unverifiable data across all three bureaus. The balance, dates, and remarks conflict, which makes the reporting inaccurate and a direct violation of the FCRA and Metro 2 accuracy standards. You are knowingly continuing to report false and unverifiable information after repeated disputes, which is willful non-compliance under FCRA 607 ( b ) and 611. This demonstrates reckless disregard for accuracy and has caused ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully and permanently deleted immediately. 

XXXX XXXX XXXX  XXXX This account is filled with inconsistent and unverifiable information across the bureaus. The balance, status, dates, and remarks all conflict, which proves it can not be verified under Metro 2 standards or the FCRAs requirement for maximum possible accuracy. You are knowingly reporting false and contradictory data after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. Continuing to report this inaccurate information shows willful non-compliance and bad faith handling of my disputes. Because this account can not be proven accurate in full, I demand its permanent deletion from my credit file. This is not a request for correction or updateit must be deleted completely and immediately. 

XXXX XXXX This account is being reported with inconsistent, unverifiable, and inaccurate data across all three bureaus. The balance, status, and dates do not match, which proves it can not be verified to the standard required under the FCRA and Metro 2 guidelines. You are knowingly reporting false and conflicting information, which violates FCRA 607 ( b ) and 611. After multiple disputes, you have failed to provide full and accurate documentation to support this account. That is willful non-compliance and harmful to me as a consumer. Because this account can not be verified with complete accuracy, it must be permanently deleted from my credit file. This is not a request for correction or updateI demand full deletion of this account immediately. 

XXXX  XXXX XXXX This account is being reported with conflicting, inconsistent, and unverifiable information across the bureaus. The dates, balance, and remarks do not align, which makes the reporting inaccurate and non-compliant with FCRA requirements and Metro 2 standards. You are knowingly publishing false data after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. By continuing to report this unverifiable information, you are acting in bad faith and causing ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully deleted immediately. 

Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My identity was stolen due to a data breach, and these companies accessed my credit report without consent, violating the FCRA. I request immediate removal of these unauthorized accesses from my report. 

Personal Information Errors Incorrect Name XXXX XXXX Incorrect XXXX XXXX Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX I am disputing the inaccurate personal information on my credit report. The incorrect names, addresses, and other personal details do not belong to me and must be immediately removed under 15 U.S. Code 1681c. Inaccurate personal data leads to misattributed accounts and reporting errors, violating FCRA compliance. DELETE this now! 

I am an Equifax Data Breachimpacted consumer, and my personal data was compromised through no fault of my own. Because of this breach, the risk of identity theft and data misuse is significantly higher. Continuing to publish and circulate inaccurate or unverifiable data in light of this fact demonstrates willful non-compliance, negligence, and reckless disregard for my consumer rights. 

The reporting agencies have failed to perform reasonable investigations, have ignored clear evidence of inaccuracies, and continue to verify false information. This ongoing reporting of unverifiable data is causing measurable financial harm, reputational damage, and emotional distress.

Company response to consumer: Closed with explanation