Consumer complaint received 2025-07-26 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:
This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I am disputing information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and expect my dispute to be handled properly.

Recent enforcement actions show a pattern of non-compliance among the credit bureaus : Equifax ( XXXX ) Fined {$15.00} XXXX for improper dispute handling. 
XXXX  ( XXXX ) Found to have conducted fraudulent investigations by the CFPB. 
XXXX  ( XXXX ) Ordered to pay {$60.00} XXXX in a lawsuit over consumer mislabeling. 
To ensure my dispute is processed correctly, I request a written response sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA, XXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I trust that you will handle this matter lawfully. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Page 1 of 3 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. 
Below is a summary of the data in which I am challenging : Personal Information for XXXX  NAME : XXXX -- You must remove any name in your system which does not match the first and last names listed on this letter. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX null, null, null null Client Full Address I need you to delete any address in your system that varies from XXXX XXXX XXXX  XXXX XXXX XXXX. It will ensure the database has accurate information about me. 
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 XXXX XXXX XXXX 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. 
Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX 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.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.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 consumer. I will then contact my lawyer to take legal action.Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : -- I was going through my credit report and noticed something odd. The account XXXX  / XXXX  with number XXXX shows a rating of CollectionOrChargeOff. You said it was opened on XXXX and had a date of last activity of XXXX. This doesnt seem rightcan you look into this and remove it? 
Also, you mentioned it was last verified on XXXX. Under 15 U.S.C. 1681, Id like to see what information you used to verify this account. Could you send that my way? And Im curioushow did you come up with a balance owed of {$680.00} when I know I dont owe anything? 
Just like in XXXX v. XXXX XXXX  of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), inaccurate info needs to be corrected. Lets get this fixed! 
Also, see the image above for XXXX  / XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Payment Status ( XXXX ) showing CollectionOrChargeOff Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! 
Lets examine Account Type ( XXXX ) showing Revolving Compliance with XXXX XXXX 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! 
When I scrutinized Creditor Remarks ( XXXX ) presenting CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately!

Lets examine Credit Limit ( XXXX ) showing XXXX XXXX XXXX XXXXequires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  / XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Page 2 of 4 of everything else reported on here!

I was looking at Highest Adverse Rating expressing CollectionOrChargeOff. 
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! 
You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that 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 my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

Company response to consumer: Closed with explanation