Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I am reminding you once again that you must remove any claims listed below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXX XXXX states clearly that ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you DELETE any such claim immediately from reporting as I have requested. 

Listed below are the Collections being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or lawful evidence substantiating your claims. I demand that you dismiss all such claims and DELETE any injurious reporting ( s ) against me. If the reported items are deficient in the mandatory documentary evidence of physically verified factual proof of the truth of claim, the truth of reporting, the accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, or Metro 2 formatted compliance then you are not in compliance with federal law. 

You have no legal authority to report unverifiable claims under duress or coercion. If you are unwilling or unable to comply with my request to correct, validate, or DELETE the listed items within 20 days from receipt of this lawful notice, you must immediately and permanently cease and desist all derogatory reporting, collection efforts, or third-party dissemination of unverified, fabricated, inaccurate, and non-compliant data. 

I also want to remind you that, absent legal authority or a signed contract, you can not force me to engage in any interaction with you. If you continue to report this unvalidated data and injure me financially or reputationally, I will pursue formal complaints and legal remedies. This behavior may constitute willful non-compliance and extortion under federal and state law. 

I am disputing the following accounts under federal law and consumer protection rights : XXXX XXXX XXXX This account contains blatant factual inaccuracies violating XXXX XXXX and FCRA 1681e ( b ). Payment history across bureaus is conflicting : Experian shows delinquencies, Equifax shows all OK, TransUnion has incomplete data. Dates of last payment, charge-off, and closure are mismatched. No original contract, no MOV, no certified validation. Prior disputes were ignored and falsely marked resolved. I was impacted by the Equifax Data Breach. I demand the PERMANENT DELETE of this account for willful non-compliance and continued harm. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX This charge-off account reflects factual discrepancies and unverified reporting. Dates of activity, balance, and payment history differ across bureaus. Charge-off amount listed at {$1700.00} but reported balance is {$2000.00} this is fabrication. No validation of charge-off has ever been produced. XXXX XXXX structure was violated. Experian shows inaccurate dispute results. As a victim of the Equifax Data Breach, I demand immediate PERMANENT DELETE of this entire tradeline for violations of 1681e ( b ), fabrication, and lack of lawful evidence. 

XXXX XXXX XXXX This account is riddled with conflicting data. Equifax shows perfect payment history, Experian shows lates, TransUnion lists as charged off. Balance reporting is deceptive {$0.00} balance marked with a charge-off is not lawful without proof. No MOV or original documentation provided. This account violates XXXX XXXX structure and FCRA 1681e ( b ). DELETE this item in full. No contract or validation has ever been provided. I was affected by the Equifax breach. This is a textbook case of fabricated, non-compliant data. 

XXXX XXXX XXXX XXXX The reporting is materially inconsistent. Account shows as charge-off or paid after charge-off with a {$0.00} balance and closed status, yet still reflects derogatory remarks. Each bureau shows different lates, some showing XXXX where others show XXXX lates. This violates XXXX XXXX reporting and FCRA 1681e ( b ). There is no valid court order or contract authorizing this reporting. As a breach victim, I demand the PERMANENT DELETE of this account. The inconsistent reporting proves this account is unverifiable and illegally maintained.

This is a 609 ( a ) ( 1 ) request for full verification. I am formally requesting : A copy of the original contract with my signature for each account The name and contact info of the data furnisher used for verification A description of the method of investigation and verification Proof that XXXX XXXX field formatting was followed for all data points Training certification of any employee who accessed my file If you can not meet these demands, you must DELETE these accounts in full. 

Violations of FCRA Include : 1681g / 609 Failure to disclose full documentation 1681i Failure to conduct reasonable reinvestigation 1681s-2 Furnishers failed to report accurate data 1681n Willful non-compliance, {$1000.00} per violation If you fail to respond with verified and complete evidence within 15 days, I will proceed with regulatory complaints to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney General File a LOITS ( Legal Opportunity to Initiate Suit ) Notice If you choose to ignore this letter, I will treat your silence as continued injury and proceed to file legal claims seeking statutory damages, punitive damages, and full deletion of all inaccurate data. 

Please send me an updated copy of my credit report reflecting full deletion of the accounts listed above.

Company response to consumer: Closed with non-monetary relief