Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN, THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). 
I am formally disputing inaccurate information on my credit report under the FCRA, 15 U.S.C. 1681i. Your past legal violations raise concerns about your ability to process disputes lawfully : Equifax ( XXXX ) Fined {$15.00} XXXX for violating FCRA dispute-handling regulations. 
Experian ( XXXX ) Sued for re-inserting errors into credit files after disputes. 
TransUnion ( XXXX ) Lost a {$60.00} XXXX jury verdict for damaging consumer reports. 
To ensure full compliance, I require a written response sent to the following address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA, XXXX THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). I expect your immediate compliance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 1 of 8 To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. 
Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion TransUnion Account # : 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Remarks : XXXX DISPUTE RESOLVED - SUBSCRIBER DISAGREES Creditor Type : - DepartmentAndMailOrder Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$200.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : -- Term Source Type : -- Months Reviewed : -- High Credit : XXXX Times XX/XX/XXXX Days Late : XXXX Original Creditor : -- Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : CollectionOrChargeOff XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 2 of 8 I am writing regarding the account XXXX with the number XXXX, which is currently showing an inaccurate rating of CollectionOrChargeOff on my credit report. I kindly request that you delete this account immediately. Upon my review, I noticed that the account is recorded as opened on XXXX, with a date of last activity marked as XXXX. These details are incorrect, and I urge you to rectify this by removing the account entirely. 
Additionally, the last verified date is reported as XXXX. Under the Fair Credit Reporting Act, I am entitled to know how you verified this account. Please provide all the relevant information, as well as documented proof of the alleged balance of {$0.00}, which I dispute. 
In XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), it was ruled that failure to correct inaccuracies violates consumer rights. XXXX v. Trans Union XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) also upheld the consumers right to accurate reporting. Furthermore, XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX established the duty to delete unverifiable information. I trust you will address this promptly. 
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Payment Status ( BS-17B ) showing CollectionOrChargeOff I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. 
I was looking at Date of Last Activity ( XXXX ) expressing XXXX. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! 
Lets take a look at Account # ( XXXX ) reporting XXXX. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements. 
XXXX XXXX XXXX - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED REPORTED BY GRANTOR Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$32000.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 3 of 8 Loan Type : -- Term Source Type : -- Months Reviewed : -- High XXXX XXXX XXXX XXXX 30/60/90XX/XX/XXXX Days Late : XXXX Original Creditor : -- Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : CollectionOrChargeOff Im writing about the incorrect account XXXX XXXX XXXX ( XXXX ) on my credit report, listed as CollectionOrChargeOff with dates XXXX and XXXX. This error hurts my ability to get financing. 
As per 15 U.S.C. 1681m, you must verify this information. Cases like XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), XXXXXXXX XXXX 
Trans Union XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX XXXX XXXXXXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX Cir. XXXX ) highlight the need for accuracy. Please delete this account and send proof of the {$0.00}. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Payment Amount ( XXXX XXXX presenting {$0.00} I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! 
When I scrutinized Creditor Remarks ( XXXX ) presenting DISPUTE RESOLVED REPORTED BY GRANTOR. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. 
I was looking at Account # ( XXXX ) expressing XXXX We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! 
Viewing Account Rating ( XXXX ) demonstrating CollectionOrChargeOff. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? 
Upon inspecting Payment Status ( XXXX ) exhibiting CollectionOrChargeOff. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. 
I was looking at Account Type ( XXXX ) expressing Installment It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. 
XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX AsAgreed Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 4 of 8 Closed Date XXXX XXXX XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX CLOSED Creditor Type : - Advertising Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$720.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX AsAgreed Term Length : XXXX -- Loan Type : -- Term Source Type : -- Months Reviewed : -- High Credit : XXXX Times XX/XX/XXXX Days Late : XXXX Original Creditor : -- Highest Adverse Rating : Late30Days Most Recent Adverse Rating : -- The derogatory information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Also, see the image above for XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Dispute Status ( XXXX ) showing N Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! 
Upon inspecting XXXX XX/XX/XXXX30/60/90 Days Late exhibiting XXXX. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information When I scrutinized Creditor Remarks ( XXXX ) presenting CLOSED. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited XXXX XXXX standards. I need you show proof or explain how this account is compliant When I scrutinized Payment Status ( XXXX ) presenting AsAgreed. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! 
I was looking at Account Description expressing Individual The information on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! 
XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Page 5 of 8 Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Transferred Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX PURCHASED BY ANOTHER LENDER Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$2100.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : -- Term Source Type : -- Months Reviewed : -- High Credit : XXXX Times XX/XX/XXXX Days Late : XXXX Original Creditor : -- Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : CollectionOrChargeOff I am disputing the incorrect reporting of account XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report, listed as CollectionOrChargeOff. It shows dates XXXX and XXXX. This error is affecting my financing opportunities. 
Under 15 U.S.C. 1681s-2, you are required to provide accurate information. I request the deletion of this account and proof of the {$0.00}. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Ive highlighted and circled additional areas of concern. 
Upon inspecting High Balance ( XXXX ) exhibiting {$2100.00}. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the CDIA, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % I was looking at Dispute Status ( XXXX ) expressing N and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. 
It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. 
Please delete this account from my credit report immediately. 
Upon inspecting Date Opened ( XXXX ) exhibiting XXXX. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 6 of 8 I was looking at Last Verified ( XXXX ) expressing XXXX The data on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements When I scrutinized Date of Last Activity ( XXXX ) presenting XXXX. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
Regards XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consu

Company response to consumer: Closed with non-monetary relief