Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX  Date of Birth: XXXX
SS#:XXXX
XXXX  Equifax Information Services LLC
XXXX XXXX XXXX XXXX, GA XXXX
This letter is to inform you that I recently received a copy of my credit report that 
your company publishes and after reviewing it I found a number of items on the 
report that are inaccurate. The accounts in question are listed below. Please send me 
copies of the documents that you have in your files as of this date that you used to 
verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C.  1681g I have the right to demand that 
you disclose to me all of the documents that you have recorded and retained in your file 
at the time of this request concerning the accounts that you are reporting in my credit 
report. Please dont respond to my request by saying that these accounts have been 
verified. Send me copies of the documents that you have in your files that were used to 
verify them. If you do not have any documentation in your files to verify the accuracy of 
these disputed accounts then please delete them immediately as required under Section 
611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report 
and distributing them to 3rd parties you are damaging my reputation and credit 
worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST XXXX and CONFIRM any 
and ALL allegations of claims yet still unproven. Lawfully certificate physically the 
creditor classification codes, the exact and complete sequenced and METRO 2 data 
formatted 426 character P-6 statements as well as all of the applicable and requisite 
trailing fragments, the minimally mandated five (5) portioned personal identifiers, every 
and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the 
left sidedness and or right sidedness of any and all precisely ordered recorded account 
descriptions, all aspects exactly and fully related to the sequenced 386 pieces of 
confirmation to collect(-tions), each calendar date recorded, every alleged balance 
including the tallied total and invoices from which they were derived, the documented 
legal and current color photographed identities, the attested addresses, the non 
transported and true marks of execution from one and only and exactly identified me 
upon an acknowledge of debt alleged or even conditions related, as well as every single 
one even each and any or all requisite state and federal laws applicable, whether known 
or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND 
OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY 
ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS 
MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. 
DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO 
COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF 
YOU
I DEMAND, lawfully mind you, that you very 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 as of late 
received a duplicate of my credit report from your consumer credit reporting agency --
WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE 
but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as 
DETAILED in the DESCRIPTION of XXXX (your web based automated verification 
process). YOUR EXACT XXXX definition (per XXXX  ) is that e-OSCAR is a web-based,Metro 2 compliant, automated 
system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to 
create and respond to consumer credit history disputes. CRAs include Equifax, 
XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and 
Mortgage Reporting Companies. XXXX also provides for DFs to send "out-of- cycle" 
credit history updates to CRAs. The system primarily supports Automated Credit 
Dispute Verification (ACDV) and Automated Universal Dataform (AUD) processing as 
well as a number of related processes that handle registration, subscriber code 
management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data 
Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The
ACDV is returned to the initiating CRA with updated information (if any) relating to the 
consumer's credit history. If an account is modified or deleted, carbon copies are sent to 
each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF 
to process out-of-cycle credit history updates. The system is used to create the AUD and 
route it to the appropriate CRA(s) based on subscriber codes specified by the DF in the 
AUD record. The XXXX AUD process is intended to provide the CRA with a 
correction to a consumer's file that must be handled outside of the regular activity 
reporting cycle process. XXXX XXXX may not be used to add or create a record on a 
consumer's file or as substitute for "in-cycle" reporting to the CRAs. Within the report I 
saw that there were late installments noted in the record history.Since I am somehow 
very defective in the matter as to the How ,WHEN, and WHY these late segments are 
notations within my credit report which is otherwise remarkable in 
creditworthiness!Puzzled,I am enacting my rights to COMPEL you, as REQUIRED, to 
MANDATE the alleged data providers of these following notated UNPROVEN 
derogatory suggestions of late payments to surrender to you and you to me an evaluated 
proclamation of my record throughout the previous 2 years demonstrating when the due 
date of the record was and when the installment was handled. Furthermore, please 
require the accusing data provider to present their most upgraded Terms of Service 
Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, 
as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and 
civil rights to ask for any and all of the above and below DEMANDS under the terms of 
the Fair Credit Billing Act of 1975 (FCBA) As the OFFICIAL notice of my official writ 
composed DECLARATION of Not Proven Compliant Misinformation that is either or all 
of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or 
ADVERSE and yet UNPROVEN claims be it an account or an aspect of that 
account.PLEASE as you MUST, delete the foul misreportings and display any and all of 
my accounts as being  PAID/PAYS as AGREED,NEVER LATE and as nothing else:
1. You are in violation of 15 USC 1681 Misleading False Reporting this account is 
negligently and inaccurately reporting failing to comply. XXXX XXXX XXXX XXXX
 Account Number: XXXX
 Under 15 U.S Code 1681a(2)(A)(i) No transaction should be included in a credit 
report I demand you to remove this account.
2. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I 
am not participating in the collection of this alleged debt. Cease and desist asap.
 XXXX
 Account Number: XXXX
 Under 15 U.S Code 1692c(c) Ceasing communication (cease and desist), I 
demand you to remove this account.
3. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I 
am not participating in the collection of this alleged debt. Cease and desist asap.
 XXXX   Account Number: XXXX
 Under 15 U.S Code 1692c(c) Ceasing communication (cease and desist), I 
demand you to remove this account.
4. I was NEVER late paying this account
 XXXX XXXX XXXX
 Account Number: XXXX
 Under 15 USC 1666B, I demand you to update the payment record in this 
account.
5. The inquiry was not authorized
 XXXX
 Date of inquiry: XXXX
 Please remove it from my credit report.
NOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting must be 
deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known 
ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late 
Payment yet has NOT PROVEN even the compliance of its reporting much less any 
aspect of determined truth of facts else wise required by obligatory regulations. As such, 
I demand evidence of Metro 2 compliant reporting, true and accurate and complete 
reporting of what is likely an allegation unfounded as it is 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! PLEASE ERADICATE any and 
all derogatory aspects of reporting and at a minimum rectify the derelict reporting with 
the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can 
document this NOT to be CORRECT and determine factually and in entirety that every 
aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every 
and one even each any and or all of the client's State's and or the federal reporting laws 
MUST be returned to compliance even should that requisite annulment of item's 
reporting. No entity is with authority to retain or report any allegations not 
DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE,
Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and 
the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even 
once alleged adverse remark unproven upon a requested compliance check. You must 
Annul in brief, even right now and right here, by complete and PERMANENT 
DELETION any or even one not irrefutable allegation(s) deficient of physical 
composed writ certificate(s) in testimony of the exact and full truth, correctness, 
timeliness, completeness, ownership, responsibility, and or documented evidence of 
precise and willfulness to comply with every single one even any and or all of the 
requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal 
reporting of any information, known or not. Attest now to the metro-2 required truth, 
accuracy, fullness, timeliness, ownership, responsibility and or compliance(s) otherwise, 
whether mentioned or not. Ignorance of obligations to compliant reporting is NOT 
lawful exoneration of your responsibility to 100% accurate, true, and metro-2 compliant 
data formatted reporting regulations of which you are obligated. Federal laws allow me 
to compel you to retain and or return adequate accountability. Failure or unwillingness 
to do so might be remedied and rectified in my favor per monetary compensation for 
your infringements of my civil and or consumer rights and violations of the laws 
required of you. Right now demonstrate to me any and all applicable metro-2 reporting 
mandates including but not limited to every date and balance, each calculation and 
audit, the invoices and documented current identities, every notation not to forget the 
five (5) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ 
and or alphanumeric source codes, every applicable creditor classification code(s), the 3 
applicable and precise sequenced 386 pieces of confirmation to collect(-ions) or any 
obligation else-wise. Return or Retain federally required compliance with your 
immediate and dull eradication of any and one of the adverse and or derogatory claims 
or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ 
composed DECLARATION of Not Proven Compliant Misinformation that is either or all 
of the following: 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! Please provide me with all of the information you used for 
your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete 
the negative items, as originally requested. If you FAIL to respond to this demand and 
tort notification, your firm will be added to the pending action as complicit in this data 
breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was 
accurate.
3. Note the information as disputed BY the CONSUMER on my credit 
report
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are 
required by federal law to verify - through the physical verification of the original 
signed consumer contract - any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in even 
a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act  611(a) [15 
USC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit 
record within 30 days. During the investigation period, these items must be removed 
from my credit report as the mere reporting of items prior to debt validation constitutes 
collection activity. I am also requesting the names, addresses and telephone numbers of 
individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to  611 (a)(6) [15 
USC  1681j (a) (6)]. I am also requesting an updated copy of my credit report, which 
should be sent to the address listed below. According to the provisions of  612 [15 
USC  1681j], there should be no charge for this report. If you have any questions or 
need additional information, please contact me at address noted below. I think 15-20 
Days should be ample enough time to get this completed since this is my NOT my first 
time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this 
data breach becomes yet another case potentially leading to my inclusion as a victim of 
fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN 
COMPLIANT RETAINING and or REPORTING of consumer records, particularly 
that of personal identifiers. Therefore, I must request that your bureau confirm in 
writing the following personal information:
1- FULL LEGAL NAME as it Appears on my Credit report
2- Legal Address of Record
3- SSN # (or redacted last 4 digits)
4- Date of Birth
5- Zip Code for my Home Address
The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise 
and exact fully complete 426-character P-Segment or Trailing Segment that is to include 
the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged 
trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and 
or application of Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is 
automatic call for deletion due to any and all repeating entry as NULL and VOID. 
Moreover, the regulatory obligation dictates that any and all data furnishers MUST 
include an attached TRAILING SEGMENT that absolutely accurately and completely 
includes ALL of the account of allegation(s) specifics!Must be performed in a REALTIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher 
fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of 
consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 
compliance trained SPECIALIST. Being Phase III of the Implementation of the 
CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or 
accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's 
FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial 
fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are 
illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the 
REQUISITE technical accuracy in EVERY single item retained and or reported to or by 
any consumer credit reporting agency. Metro 2 compliance requires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a 
PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and 
all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry 
Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by 
CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain 
and or report any claim of information, be it an account or any aspect of such, the must 
be irrefutable fullness in the truth of reporting, correctness of reporting, 
COMPLETENESS of reporting, TIMELINESS of reporting and of the reported 
allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or 
adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA 
Metro 2 data field formatted reporting regulatory standards and obligations to include 
the 81-month time relevance of account reported/ how reported/when 
reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful 
reporting demands that the regulatory compliance rules are applied EVENLY and 
thoroughly from data provider to consumer credit reporting repository.Accuracy and 
completeness of all of any and all information, particularly derogatory consumer 
information, must abide by every and one of current MY states reporting regulations as 
well as those of federal laws ,even the CDIA METRO 2 COMPLIANCE standards due to 
the implementation of the Credit Reporting Settlement Agreement (CRSA.)
Is the Personal Identifier information alleged in the reported 426-character 
P-SEGMENT true, correct, and complete to standards of CERTIFIED 
METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable
VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or 
eradicate every single one and each any and all of the adversary derogatory accusations 
injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to 
be my responsibility or fault. Please demonstrate readily and timely the precise 
confirming facts of the alleged account including every single one even each any and or 
all of its article aspects by federal laws. You must willfully and promptly DELETE 
TODAY even right now the deficient reporting or else present to me true documented 
certificated proof of all data, every notation, date, balance, calculation, audit, personal 
identifiers, each of the requisite 426-characters of the exact and fully compliant P6 
statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness 
or rightness states, and even every aspect of the mandated 386 pieces of confirmation to 
collection.
This series of misreporting seems to me clearly involves a universal and complete failure 
by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory 
compliant and reasonable procedures to assure maximum possible accuracy of 
consumer credit information as described in at least 15 U.S.C.  1681. There is little 
doubt that you have no evidence that this clearly does belong to me, is exactly true, fully 
complete, within timely definition per federal standards and has been erroneously 
placed onto my credit report. The items of problematic accusations that I believe to be 
incorrect to its proper reporting and allowance of reporting per my state and federal 
laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as 
demanded in this declaration would compel me to consult my consumer complaint 
lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, 
timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any 
entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting 
compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE
regulations, I demand that these above mentioned derogatory items be investigated and 
permanently removed from my report. It is my understanding that you will recheck 
these items with the creditor who has posted them. Please remove any information that 
the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must 
complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the 
act, there shall be no charge for this updated report. I also request that you please send 
notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours,
XXXX XXXX

Company response to consumer: Closed with non-monetary relief