Consumer complaint received 2025-06-10 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: AL

Complaint narrative:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly regarding the Metro 2 Data-Filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your companys office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required five-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumers credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Collections Being Challenged : XXXX XXXXXXXX I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the Metro 2 reporting standard. Please provide verifiable physical evidence to support the accounts existence and permissible usage. If unable to do so, I insist on its removal from the report. I authorize you to send physical documentation of your actions and an updated credit report. 

Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing any information in my credit report that lacks substantiation or accuracy, adhering to both the FCRA and the established Metro 2 data field reporting standard. It is imperative that claims are supported by factual evidence, and I challenge the reportability of unsubstantiated allegations, which contravene federal and state regulations. Reporting must align with legal standards, and I urge you to ensure the accuracy and precision of all claims within my credit report, as mandated by the Metro 2 reporting standard.

Furthermore, I kindly request that you provide tangible, verifiable evidence to validate the existence of the account and its appropriate usage for authorized purposes. Should such evidence not be available, I insist on the removal of the account from my credit report. I hereby grant authorization for the physical mailing of documentation detailing your actions and any subsequent updates to my credit report. Your prompt adherence to these requests is highly anticipated and appreciated.

Additional Accounts Being Challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Collections Being Challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Detailed Dispute and Demands : XXXX XXXX XXXXXXXX DELETE this account immediately due to willful noncompliance, inaccurate reporting, and failure to follow FCRA and Metro 2 guidelines. Experian already deleted this accountwhy are you still reporting it? That alone proves inconsistency and unreliability across bureaus. Youre reporting a 90-day late on a {$0.00} balance installment loan thats been closed. That violates FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ) for failing to ensure data accuracy and consistency. How can you validate derogatory data that no longer exists on Experians system? Show your Metro 2 compliance. If this is a closed, XXXX-balance loan, there should be no active delinquency and no late status being carried forward. The Equifax breach compromised the integrity of this reporting. You have no standing to keep unverifiable, outdated data. This is willful noncompliance under FCRA 616 and 617 and subjects you to legal liability. Prove your permissible purpose to continue furnishing this data under FCRA 1681b. If you cant verify it, DELETE it entirely from all systems immediately. 

XXXX XXXX XXXX DELETE this account immediately for willful noncompliance and gross FCRA violations. You are reporting conflicting balances : Experian shows {$160.00} while Equifax and TransUnion report {$190.00}. That discrepancy violates FCRA 1681e ( b ), which requires maximum possible accuracy. You failed to maintain consistent data across all bureaus, proving your reporting process is unreliable and noncompliant with Metro 2 standards. You are knowingly reporting inaccurate and unverifiable datathis is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). Where is your method of verification? Did you conduct a reinvestigation as required under FCRA 1681i? Show proof. Equifax suffered a known data breach. You continued reporting unverifiable data even after public exposure of compromised files. This exposes you to willful noncompliance under FCRA 616 and 617, which makes you liable for statutory and punitive damages. Why havent you corrected this after repeated disputes? Wheres your permissible purpose under 1681b? If you cant prove it, you must DELETE it. I demand permanent deletion of this account across all consumer reporting agencies within the statutory timeframe. 

XXXX XXXX XXXX DELETE this account immediately for violating federal law, data integrity standards, and Metro 2 reporting rules. You're reporting a 60-day late on Experian while TransUnion shows the account as current and Equifax already deleted it. That proves conflicting and unverifiable dataan automatic FCRA 1681i and 623 ( a ) ( 1 ) ( A ) violation. If the data were accurate, why is it being reported three different ways? This is a closed account with a {$0.00} balance. Why are you reporting ongoing delinquencies? That breaches Metro 2 formatting guidelines and misrepresents account status. You're willfully furnishing false data and ignoring the requirement to investigate and correct under 1681s-2 ( b ). The Equifax breach directly impacts the credibility of your records. You have no lawful basis under 1681b to continue reporting a derogatory item that can not be verified or reconciled. Failure to reconcile or delete this account demonstrates willful noncompliance under 616 and 617. DELETE this account from all databases permanently. You have 30 days to comply or face further legal consequences. 

XXXX XXXX & XXXX DELETE these accounts immediately for willful noncompliance and failure to follow federal law. You are reporting closed installment loans with {$0.00} balances that can not be verified and contain multiple inaccuracies. These accounts are tied to the Equifax data breach, which compromised my personal information and exposed millions to fraudulent entries. Under FCRA 1681i ( a ) and 623 ( a ) ( 1 ) ( A ), you must maintain accurate and complete data. Metro 2 guidelines require uniform reporting. Yet you continue to report outdated and inconsistent information, with no proof of a valid contract, no open balance, and no permissible purpose to keep furnishing this data under 1681b. Where is your full method of verification? Where is your documented authority to continue reporting a {$0.00} closed account tied to a breached profile? This is willful noncompliance under 616 and 617. DELETE these accounts from all consumer reports or face legal consequences. 

XXXX XXXX DELETE this account immediately due to willful noncompliance, Metro 2 misreporting, and multiple FCRA violations . You're reporting a closed revolving charge account with a {$1500.00} balance. That violates Metro 2 standards, which prohibit active balances on closed revolving accounts. Its a direct breach of FCRA 623 ( a ) ( 1 ) ( A ), requiring maximum accuracy. Youve been made aware of these errors. You ignored your duty to correct under 1681s-2 ( b ). Your failure to act after notice shows willful negligence under 616. Equifax 's data breach further invalidates the credibility of the data youre using to furnish this report. DELETE this account from all databases immediately or face legal consequences for continued noncompliance. 

XXXX XXXX XXXX DELETE this account immediately for willful noncompliance, data misreporting, and FCRA violations. You're reporting this account as " Closed '' and " Unknown '' in Experian with a {$680.00} balancetwo contradictory statuses that can not exist simultaneously under Metro 2. This violates the FCRAs accuracy requirement under 623 ( a ) ( 1 ) ( A ) and Experians own reporting standards. You've had prior notice of the inaccuracy. By refusing to correct or DELETE it, youve willfully violated 1681s-2 ( b ) and failed to complete a lawful reinvestigation as required by 1681i. DELETE this item from Experian today or face legal accountability. 

XXXX XXXX XXXXXXXX You report a closed installment secured loan with a XXXX balance, yet your data contains glaring inaccuracies. You violate FCRA 1681i by failing to conduct a reasonable reinvestigation and 1681e ( b ) by not maintaining maximum accuracy. Metro 2 compliance demands exact and consistent reportingyou fail this standard repeatedly. DELETE this account from all credit reports immediately or face legal consequences for willful noncompliance. 

XXXX XXXX XXXX You report a closed installment auto loan with a XXXX balance, yet your data remains riddled with inaccuracies. You violate FCRA 1681i and 1681e ( b ) by failing to verify and update accurate information. DELETE this account from all credit reports immediately or face legal consequences for willful noncompliance. 

XXXX XXXX XXXX You report a revolving account as closed but list it as unknown on Experian with a {$4000.00} balance. This contradicts Metro 2 standards requiring clear, consistent reporting. DELETE this account from all credit reports immediately or face enforcement for willful noncompliance. 

XXXX XXXXXXXX You report an installment unsecured loan, closed with XXXX balance, but Equifax alr

eady deleted this account. DELETE this account from all credit reports immediately or face legal consequences for willful noncompliance. I am deeply disappointed to contest any information on my credit report that lacks truth or proper documentation. Unproven claims of delinquency and interrogations without factual evidence challenge their credibility. I kindly request physical, verifiable evidence to support the accounts existence and permissible usage, and if lacking, prompt removal from the report. I authorize you to mail me documented actions and an updated credit report. 

Additionally, I am compelled to express my profound disappointment regarding your illicit practices of employing standardized form letters in response to consumer disputes and challenges, without due consideration for the specific information provided. I must emphasize that such actions flagrantly violate the provisions outlined in 15 U.S. Code 1681i, which explicitly mandates that each dispute and challenge must be individually addressed and evaluated based on its own merits.

Your failure to process and duly acknowledge these letters represents a clear infringement upon my fundamental consumer rights. In light of this evident disregard for my rights, I am left with no alternative but to consider your actions as a deliberate affront. Consequently, I will not hesitate to engage legal counsel to initiate appropriate legal measures to protect and uphold my rights.

Company response to consumer: Closed with non-monetary relief