Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
Should you continue in seeming disregard and/or noncompliance, or fail to provide substantial, satisfactory, and variously evident proof of compliant reporting codes as I will outline throughout this statement, you ought to accept this letter as serving in representation of my officially drafted notice prior to my likely decision to request a civil court nearest me to grant a petition for writ of review related to the aforementioned ailments I suspect.

Be forewarned that I rightfully identify as the currently injured consumer of your unproven or inadequate reporting practice ( s ). With that, take notice that I am here and now contesting the assumed, but actually very conditional, reporting privilege ( s ) for any and all of your claim ( s ) challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, and lawful reporting, which must assuredly appease no less than the mandated adherence to my state and all applicable federal reporting mandates and statutes. 

My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the Fair Credit Billing Act ( FCBA ), Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), as well as all applicable laws within my state. These must attest to be commodiously ample in illustrating that your statutory reporting occurred expressly as related to any claim purported by you in my report ( s ).

Particularly of my concern is whether any or all aspects of your claims are averred yet display potentially unproven deviations from your obligatory industry standards for authorized, scrupulous, and ethical reporting. Additionally, these standards must respect a comme il faut status. Incontestably, your obligation should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per the Consumer Data Industry Association ( CDIA )!

I have most recently received copies of my personal consumer credit report ( s ), and to my surprise, I have unfortunately noticed that there is questionable and/or inadequately recorded data within my file at your companys office ( s ), as is described in my reviewed files.

If this item was incidentally re-added or reinserted into my credit report profile by your companys office ( s ) following an earlier removal from reporting, yet no five-day declaration of the return to reporting was issued to me as is requisite, then you are in violation of reporting mandates you MUST adhere to. 

If so, I am understandably confused as to how and why such information has been populated and/or repopulated into my credit report profile, whether by your actions or by the accepting credit reporting agencies/repositories involved. Surely, you are aware that pursuant to the Fair Credit Reporting Act ( FCRA ), any and all items previously removed can not be reinserted onto any consumers credit report profile without a written letter from the accepting credit reporting agency ( ies ) /repository ( ies ) directly to the injured consumer within five ( 5 ) business days of the stated date of reinsertion.

I must notify you that, should this be the circumstance, I have NOT yet, to date, received any such document, nor any claim of adequacy regarding your reporting of the claim ( s ) being physically verified and validated to be accurate and unabridged to the maximum possible extent.

As such, your failure or refusal to remove from reporting a
ll such claim ( s ) is actionable and suable based on violations of my consumer rights, let alone being unethically unjust!

Company response to consumer: Closed with non-monetary relief