Credit reporting or other personal consumer reports — EQUIFAX, INC. (CA)

Their investigation did not fix an error on your report. I am formally disputing inaccurate, undocumented, and unverified information reported in my credit file. You are reporting derogatory and delinquent data without factual proof, which violates both the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ) and Metro 2 data reporting standards. Your failure to maintain complete and accurate records shows willful non-compliance. I demand that you immediately furnish physical, verifiable evidence that proves the lawful existence and usage of these accounts. Unsupported claims will not be tolerated. If you can not provide full documentation, you must DELETE these accounts from my credit file entirely. Your continued reporting of false, incomplete, or unverifiable data constitutes a reckless