Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To whom it may concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX I am writing to formally address the matter of account deletion or blocking following a data breach or unauthorized inquiries, as stipulated in FCRA Section 605B [ 15 U.S.C. 1681c-2 ] and FCRA Section 604 [ 15 U.S.C. 1681b ]. I respectfully dispute the accounts on my consumer credit report mentioned below, asserting that they are a direct result of a data breach or fraud.

I request concrete and verifiable evidence, including my signature or electronic signature, to substantiate these actions. This letter represents my personal initiative, and I kindly urge you to scrutinize its contents. These actions transpired without my authorization, thereby infringing upon my consumer rights under the Fair Credit Reporting Act, specifically under Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. My attempts to engage with the involved companies revealed an absence of proper validation or original proof for their reporting actions.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. - Please verify if this belongs to me. 
XXXX - XXXX I hereby submit a formal request for the cessation of reporting regarding the aforementioned account. Kindly provide documented evidence attesting to the accuracy and validation of all details, encompassing notations, dates, balances, compliance condition code ( s ), and any pertinent elements within the Metro 2 compliance segment and field ( s ). Your prompt attention to this matter is greatly appreciated.

15 U.S.C 1681 No Written Consent to share this information. XXXX XXXX XXXX XXXX, I hope

this message finds you well. I would like to bring to your attention that the data presented above does not appear to have undergone certification to meet the required reporting standards. Additionally, it is crucial to acknowledge that this information might be incomplete, outdated, or lacking proper support. Therefore, I kindly request that any inaccurate or unsupported material be expeditiously removed from this page. I wish to draw your esteemed attention to the discrepancy denoted by Account Type Details as documented within the report. It has come to my notice that the information pertaining to this account displays potential inaccuracies and deviations from the well-
defined reporting norms set forth by the XXXX. I kindly request a thorough reevaluation to ascertain the veracity, accuracy, timeliness, verification, and compliance with all stipulated requisites. Should these criteria not be met, I respectfully request the removal of my profile. Your prompt attention to this matter is greatly appreciated.

We would like to bring to your attention that the reporting of Account Status ( XXXX ) : XXXX is not in compliance with the required reporting standards.

I would like to bring to your attention that the Payment Status ( XXXX ) : Coll/Chargeoff reported across the XXXX credit reporting agencies shows significant inconsistencies. It appears that the reporting may be in violation of the established XXXX XXXX reporting standards, and there is a possibility that it may be untrue, inaccurate, incomplete, untimely, unverifiable, and/or non-compliant with all mandates for ethical and lawful reporting. This field is indicative of potential issues with reporting accuracy and compliance standards, which is a matter of concern. Therefore, I would appreciate it if you could urgently investigate this issue and take the necessary steps to address any discrepancies and ensure that reporting practices are in full compliance with the established standards.

I wish to draw your attention to the presence of an issue denoted as " Credit Limit ( XXXX ) : {$0.00} '' within the provided report. It has come to my notice that the data associated with this account appears to deviate from established reporting standards set forth by the XXXX, displaying inaccuracies and inconsistencies. I kindly request a thorough reevaluation of this matter, with the objective of ensuring its veracity, accuracy, timeliness, verification, and compliance with all stipulated requisites. Should these concerns not be addressed satisfactorily, I respectfully request the removal of my profile.

I wish to draw your attention to the issue of inconsistency in the reporting of High Credit ( XXXX ) : {$19000.00} across the XXXX credit reporting agencies. It has come to my attention that this reporting may be non-compliant with the established XXXX XXXX reporting standards and may be untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and/or not confirmed to be compliant with all mandates for ethical and lawful reporting. This field suggests that this item of reporting may potentially be an issue with reporting accuracy and compliance standards, which is a matter of grave concern. Therefore, I would appreciate your immediate attention to this matter to ensure that such discrepancies are addressed and that future reporting is accurate, complete, and compliant with the established standards.

I kindly wish to draw your attention to the presence of an error in the Past Due ( XXXX ) : XXXX as stated in the report. It has come to my attention that the data pertaining to this account may be erroneous or incoherent with the prescribed reporting norms set forth by the XXXX. I humbly request that you reconsider the matter and provide substantiation for the accuracy, completeness ( within the designated timeframe ), verification, and adherence to all relevant requirements. Should these conditions not be met, I would greatly appreciate the removal of my profile.

I kindly wish to draw your attention to the matter of Monthly Payment ( XXXX ) : {$0.00} as identified within the report. It has come to my notice that the data pertaining to this account exhibits discrepancies that appear to deviate from the established reporting standards of the XXXX. I humbly request your reconsideration of this information, with a view towards ensuring its fidelity, accuracy, timeliness, verification, and compliance with all stipulated requirements. Should this not align with the prescribed standards, I would respectfully request the removal of my profile from consideration. Your prompt attention to this matter is greatly appreciated.

I would like to draw your attention to the Last Reported : XX/XX/XXXX that has been reported in the document. It seems that the data pertaining to this account may be erroneous or inconsistent with the established reporting standards of the XXXX. Therefore, I kindly request you to conduct a thorough review of the information and ensure its veracity, accuracy, completeness ( within the designated timeframe ), verification, and compliance with all relevant requirements. If any discrepancies are found, I would appreciate it if you could promptly rectify them. In the event that this can not be accomplished, I respectfully request that my profile be removed from the system.

I would like to draw your attention to the Date Last Active ( XXXX ) : XX/XX/XXXX mentioned in the report. It seems that the data pertaining to this account is not in line with the established reporting standards of the XXXX, and may be considered inaccurate or inconsistent. I kindly request you to reevaluate the information and provide evidence of its authenticity, accuracy, completeness ( within the specified timeframe ), verification, and compliance with all relevant requirements. If these criteria are not met, I respectfully request that my profile be removed.

I kindly wish to draw your attention to the matter concerning the Date of Last Payment ( XXXX ) : XX/XX/XXXX as indicated in the report. It has come to my attention that the data associated with this account exhibits a notable inconsistency when measured against the established reporting standards upheld by the XXXX. I humbly request that you undertake a thorough review of this data to confirm its accuracy, completeness, timeliness, verification, and compliance with all requisite criteria. Should it transpire that these aforementioned criteria are not met, I would respectfully request the removal of my profile. Your prompt attention to this matter is greatly appreciated.

We would like to bring to your attention that the reporting of Date Opened ( XXXX ) : XX/XX/XXXX may not be deemed valid, accurate, or compliant with the established standards of the credit reporting industry. It is imperative to acknowledge that the XXXX has specifically outlined that any deviations from these standards can result in deficient reporting, requiring the removal of the claim ( s ) until they are proven to be compliant with legal requirements. We must stress that this action must be taken, even if there is evidence of misapplication, willful ignorance, or negligence in reporting practices. Therefore, any deviations, as mentioned below, must be regarded as adequate grounds to remove the claim ( s ) from reporting.

We would like to bring to your attention that there is no confirmation that the reporting of XXXX  Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX is valid, accurate, or compliant with credit reporting industry standards. We would like to highlight that XXXX has explicitly stated that any deviation from these standards results in deficient reporting, and any claims must be removed until they can be proven to be compliant with legal requirements. We must emphasize that this action must be taken regardless of any evidence of misapplication, willful ignorance, or negligence in reporting practices. As such, any deviations, such as those listed below, should be considered sufficient grounds for the removal of the claim ( s ) from reporting. We would appreciate your prompt attention to this matter, ensuring adherence to all ethical and legal reporting practices.

This is not mine - this belonged to a patient who is no longer living. Remove this from my report.

I express my profound disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of the flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is crucial for us to have comprehensive knowledge through accurate documentation, ensuring we are well-prepared to address potential issues in the future.

I am writing to express my concern and disappointment regarding the presence of Account Type Details in the report. Regrettably, the data associated with this account raises serious doubts about its accuracy and alignment with the established reporting standards of the XXXX. I respectfully request a thorough reevaluation to ensure the utmost veracity, precision, timeliness, verification, and compliance with all stipulated requirements. Should these concerns remain unaddressed, I kindly request the immediate removal of my profile. 
It is with a deep sense of disappointment and concern that I must lodge a complaint regarding the reported information concerning High Credit ( XXXX ) : {$15000.00}, which appears to be in violation of the necessary standards for compliant reporting. Therefore, I challenge the reporter 's privilege to report this claim unless they can provide evidence of their confirmed and demonstrated adequacy of reporting practices and processes, which includes full adherence to the Credit Reporting Industry 's mandatory Metro 2 Format standards. It is quite evident that one or more of the reported Last Verified information is deficient in its reporting proficiency, which is unacceptable. Consequently, it is imperative that the reporter incontrovertibly demonstrates the accuracy, completeness, and compliance of their reporting with the industry standards. Failing to do so will have severe consequences, as it undermines the credibility and trustworthiness of the reporting industry.

I would like to draw your attention to the presence of Monthly Payment ( XXXX ) : {$0.00} as highlighted in the report. Regrettably, the data pertaining to this account seems to deviate from the established reporting standards set forth by the XXXX, indicating potential inaccuracies or inconsistencies. Therefore, I kindly request you to thoroughly reassess the information and provide irrefutable evidence of its authenticity, accuracy, timeliness, verification, and compliance with all stipulated requirements. If these conditions can not be met, I must insist on the removal of my profile from the records.

I wish to express my concern and disappointment regarding the presence of Last Reported : XX/XX/XXXX in the report. Regrettably, it has come to my attention that the data related to this account does not align with the established reporting standards of the XXXX, raising concerns about its accuracy and compliance. I kindly request a thorough reevaluation to ensure the veracity, precision, timeliness, verification, and full compliance with all necessary requirements. In the event that these expectations are not met, I respectfully request the removal of my profile.

I must respectfully bring to your attention the matter of Date Last Active ( XXXX ) : XX/XX/XXXX as reported in the document. Regrettably, it has come to my attention that the data concerning this account significantly departs from the well-established reporting standards mandated by the XXXX, causing me deep disappointment and frustration. I earnestly request a thorough reevaluation of this situation to validate its veracity, accuracy, completeness ( within the designated timeframe ), verification, and adherence to all prescribed requirements. In the unfortunate event that these criteria are not met, I insist on the immediate removal of my profile.

We would like to bring to your attention that the reported Date of Last Payment ( XXXX ) : XX/XX/XXXX can not be confirmed to be valid, accurate, or compliant with the established standards of the credit reporting industry. We express our disappointment and concern that any deviation from these standards would result in deficient reporting, which is completely unacceptable. We must remind you that the XXXX has clearly stated that such deviations require the immediate removal of the claim ( s ) until they can be proven to be compliant with all legal requirements. We expect nothing less than adherence to ethical and lawful reporting practices, regardless of any evidence of misapplication, willful ignorance, or negligence. We urge you to consider any deviations, such as those listed below, as sufficient grounds for removing the claim ( s ) from reporting, and to take prompt and decisive action to ensure compliance with industry standards.

It is with a sense of disappointment and concern that I must lodge a complaint regarding the reported information concerning Date Opened ( XXXX ) : XX/XX/XXXX. It appears that the information provided deviates from the necessary standards for compliant reporting, which is unacceptable. Therefore, I am challenging the reporter 's privilege to report this claim unless they can demonstrate their confirmed and demonstrated adequacy of reporting practices and processes, which must include full adherence to the Credit Reporting Industry 's mandatory Metro 2 Format standards. It is evident that one or more of the reported Last Verified information is deficient in terms of reporting proficiency. It is crucial that the reporter incontrovertibly proves the accuracy, completeness, and compliance of their reporting with the industry standards. This situation requires a prompt resolution to ensure that the trust and integrity of the reporting process are maintained.

I feel compelled to draw your attention to the presence of XXXX  Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX within the report, which has left me deeply disappointed and somewhat frustrated. It has come to my attention that the data associated with this account falls short of the rigorous reporting standards stipulated by the XXXX, displaying disconcerting inaccuracies and inconsistencies. In a respectful yet assertive manner, I urge a thorough reevaluation of this matter to establish its veracity, precision, timeliness, verification, and adherence to all mandated criteria. If these expectations are not met, I must insist on the prompt removal of my profile.

15 U.S.C 1681 No Written Consent to share this information. 
XXXX - XXXX I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting, whether they are listed above or below. As a data reporting provider, it is imperative that you meet the minimum criteria required to report with the conditional privilege to do so. Failure to do so raises doubts about the validity of any and all claims that you make.

I dispute the reportability of any claim that you fail to prove conclusively, particularly concerning the mandatory Metro 2 Compliance standards. These standards, as laid out by the XXXX in their nearly annual XXXX, are crucial to maintaining the integrity of the data. Any deviation from these standards poses a significant risk to the data 's integrity, and thus, I urge you to adhere to the requisite reporting practices to be deemed certifiably compliant.

We would like to bring to your attention that the Account Type Details that has been reported across the three credit reporting agencies is inconsistent. It is our understanding that this reporting appears to be non-compliant with the established XXXX XXXX reporting standards, which is concerning. Additionally, we believe that this may be untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and/or not confirmed to be compliant with all mandates for ethical and lawful reporting. Given the gravity of the situation, we are concerned that this field suggests that there may potentially be an issue with reporting accuracy and compliance standards. We kindly request that this matter be addressed promptly, as it is of utmost importance to us and our clients.

I kindly urge you to thoroughly verify the information in question through your investigation, specifically seeking original creditor documentation bearing my signature. Should no such documentation bearing my signature exist, I respectfully demand the prompt removal of all inquiries and reported accounts from my credit report associated with my Social Security number.

I would like to bring to your attention the inconsistency in the reporting of Payment Status ( XXXX ) : Coll/Chargeoff across the XXXX credit reporting agencies. Upon further examination, this reporting appears to be non-compliant with the established XXXX XXXX reporting standards and raises concerns regarding the accuracy, completeness, and compliance of the reporting. Specifically, this field suggests that this item of reporting may potentially be an issue with reporting accuracy and compliance standards. It is imperative that we address this matter with urgency to ensure that the reported information is truthful, accurate, and fully compliant with all mandates for ethical and lawful reporting.

I must bring to your attention a matter of concern regarding the Credit Limit ( XXXX ) : {$0.00} reported across the XXXX credit reporting agencies. This reporting appears to be inconsistent and not compliant with the established XXXX 's reporting standards. There is a possibility that this reporting may be untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and/or non-compliant with all mandates for ethical and lawful reporting. The discrepancy in this field suggests that this item of reporting may potentially be an issue with reporting accuracy and compliance standards. I would appreciate your prompt attention to this matter to ensure that all reporting is accurate, complete, and fully compliant with the industry standards.

We would like to bring to your attention that the reporting of High Credit ( XXXX ) : {$11000.00} is not in compliance with the required reporting standards.

I wish to draw your esteemed attention to an issue concerning the Past Due ( XXXX ) : XXXX as documented in the report. It has come to my discerning notice that the data pertaining to this account exhibits potential inaccuracies or deviations from the well-established reporting benchmarks set forth by the XXXX. I humbly request a thorough reevaluation of this matter, with the objective of substantiating its authenticity, precision, timeliness, verification, and compliance with all mandated prerequisites. Should these criteria not be met, I respectfully implore that my profile be expeditiously expunged from the system. Your prompt consideration of this matter is greatly appreciated.

We would like to bring to your attention that the reporting of Monthly Payment ( XXXX ) : {$0.00} may not be deemed valid, accurate, or compliant with the established standards of the credit reporting industry. It is imperative to acknowledge that the XXXX has specifically outlined that any deviations from these standards can result in deficient reporting, requiring the removal of the claim ( s ) until they are proven to be compliant with legal requirements. We must stress that this action must be taken, even if there is evidence of misapplication, willful ignorance, or negligence in reporting practices. Therefore, any deviations, as mentioned below, must be regarded as adequate grounds to remove the claim ( s ) from reporting.

I would like to bring to your attention that the Last Reported : XX/XX/XXXX reported across the XXXX credit reporting agencies shows significant inconsistencies. It appears that the reporting may be in violation of the established XXXXXXXX XXXX reporting standards, and there is a possibility that it may be untrue, inaccurate, incomplete, untimely, unverifiable, and/or non- compliant with all mandates for ethical and lawful reporting. This field is indicative of potential issues with reporting accuracy and compliance standards, which is a matter of concern. Therefore, I would appreciate it if you could urgently investigate this issue and take the necessary steps to address any discrepancies and ensure that reporting practices are in full compliance with the established standards.

We would like to inform you that the reporting of Date Last Active ( XXXX ) : XX/XX/XXXX does not meet the necessary standards for reporting, as mandated by regulatory bodies.

I wish to draw your esteemed attention to the discrepancy denoted by Date of Last Payment ( XXXX ) : XX/XX/XXXX as documented within the report. It has come to my notice that the information pertaining to this account displays potential inaccuracies and deviations from the well-defined reporting norms set forth by the XXXX. I kindly request a thorough reevaluation to ascertain the veracity, accuracy, timeliness, verification, and compliance with all stipulated requisites. Should these criteria not be met, I respectfully request the removal of my profile. Your prompt attention to this matter is greatly appreciated.

The information provided on Date Opened ( XXXX ) : XX/XX/XXXX appears to deviate from the required standards for compliant reporting. Accordingly, I am submitting a complaint challenging the reporter 's ability to report this claim unless they can demonstrate their confirmed and demonstrated adequacy of reporting practices and processes, which includes full compliance with the mandatory Metro 2 Format standards of the Credit Reporting Industry. It is evident that one or more of the Last Verified information provided is deficient in its reporting proficiency. Thus, the reporter must unequivocally prove that their reporting is precise, comprehensive, and compliant with industry standards.

The previous address mentioned on my report- I never resided here. - Your actions are in violation of FCRA Laws and XXXX Standards. I insist that you remove this erroneous information. 
Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX I am writing to formally request that you take immediate action to remove an incorrect address from my credit file, which is no longer associated with me and can not be delivered to me by the United States Postal Service. I am deeply concerned about the potential risk of identity fraud that could result from this error, and I would like to remind you that your company may be held liable if this incorrect information remains on my credit report. Furthermore, I must emphasize that I have never resided at this address and therefore, it is imperative that you take steps to delete it from my credit file immediately. It is my understanding that accurate and complete personal information is critical to maintaining the integrity of credit reporting, and I PERSONAL INFORMATION Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX would appreciate your assistance in ensuring that my credit report is correct and up-to-date.

I am writing to bring to your attention my awareness of your unlawful practices involving the sending of standardized letters in response to consumer disputes and challenges, regardless of the specific details provided by the individuals. Such practices are in direct violation of 15 U.S. Code 5 1681i, which mandates that each dispute and challenge be addressed individually and evaluated on its own merits. It is important to note that the letters I have submitted were created using widely accessible software. Failure to properly process and address my letters would constitute a breach of my rights as a consumer. I must express my concern that such disregard for my rights may be interpreted as a deliberate act, prompting me to seek legal assistance from my attorney to pursue appropriate legal actions
.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation