Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or 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 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXXXXXX stipulates 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 remove any such claim immediately from reporting as I have requested. 

Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We regret to inform you that the account associated with the account name XXXX and account number XXXX displays inconsistencies among the XXXX credit reporting agencies. Such disparities, inadequacies, inaccuracies, or omissions of reported information raise concerns about the adherence to the XXXX XXXX Data-Filled Field Formatted Reporting Compliance Standards, which is a mandatory requirement in the reporting industry. Any deviation from these regulations would seriously compromise the data 's integrity. 

Dear Sir, Madam, or to whom it may concern, I hereby formally dispute any unsubstantiated or inaccurately documented information on my credit report in compliance with the FCRA and Metro 2 reporting standards. Allegations lacking factual proof, particularly those of a delinquent or derogatory nature, are contested per legal mandates for precise reporting. It is imperative that claims adhere to the law and regulations. I kindly request verifiable evidence supporting the account 's validity and its permissible use. Should these criteria not be met, I request the removal of said information from my report and authorize the mailing of physical documentation regarding your actions and my updated credit report. Your cooperation is appreciated. 

Listed below are the accounts 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 XXXXXXXX I am reminding you once again that you must remove any claims listed above or 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 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates 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 remove any such claim immediately from reporting as I have requested. 

Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this correspondence to bring to your attention my knowledge regarding your illicit practices involving the dispatch of standardized form letters in response to consumer disputes and challenges, irrespective of the specific details furnished by them. Such actions contravene the provisions stipulated in 15 U.S. Code 1681i, which explicitly mandates that each dispute and challenge be meticulously addressed on an individual basis, considering its own merits. I wish to highlight that the letters I have submitted were generated utilizing software accessible to all. Consequently, any failure to process these letters would constitute a violation of my rights as a consumer. I am compelled to interpret such disregard as a deliberate indifference towards my rights, and should this persist, I shall be left with no choice but to seek legal recourse by engaging my legal representative. 

To ensure clarity, I require that all claims made against me are accurate and complete, and comply with regulatory requirements. Any discrepancies or inadequacies in the claims could compromise their integrity, as per XXXX 's XXXX XXXX. I am willing to give you 7 days from the date of this letter to review and modify the claims to meet the necessary standards of accuracy, completeness, and fairness. Failure to do so may result in legal action, which will come at a much higher cost to your company. It is in both our interests to resolve this matter promptly.

To verify the compliant reporting, I request a notarized statement from a person with direct knowledge of the debt, confirming that : It was legally incurred, It is not disputed due to returned, faulty, or recalled products, It was not claimed as a tax deduction or loss with an insurance company during the time it was payable. 

Please provide the necessary proof for each claim made against me, highlighted in the XXXX XXXX XXXX guidelines. As a result, the authenticity of the reported item is lawfully questionable until there is evident confirmation that all aspects of the claim ( XXXX ) are factually accurate, correct, complete, timely, physically verifiable, and otherwise undeniably validespecially if it fails to comply with the above-mentioned Metro 2 formatted industry requirements.

Company response to consumer: Closed with non-monetary relief