Product: Credit reporting or other personal consumer reports

Dear Equifax, I write to you today, not merely as a concerned consumer but as an individual compelled to challenge the integrity of your reporting practices. This letter underscores my final notice regarding the ongoing dispute initiated on XX/XX/2024, concerning the unlawful retention of outdated negative information on my credit report, directly contravening the statutes mandated by XXXX law and the Fair Credit Reporting Act ( FCRA ) 605 ( a ).

Your response dated March 19, 2024, failed to address the crux of my dispute, choosing instead to uphold information that, by law, should no longer tarnish my credit report. Let me be unequivocally clear : My contention lies squarely with Equifax 's obligationor rather, the failure thereofto adhere to the statute of limitations for reporting derogatory credit information as per California 's consumer protection laws.

What Happened : Equifax has maintained outdated negative information on my credit report, specifically a charge-off account that, according to both California Civil Code 1785.13 and FCRA 605 ( a ), should no longer be reported. This continued reporting has unjustly impacted my financial standing and creditworthiness. My efforts to resolve this through a formal dispute have been met with a generic and inadequate response from Equifax, indicating a failure to conduct a thorough and fair investigation as required by FCRA 611 ( a ).

What I've Tried to Fix : I have provided Equifax with detailed documentation, including the official closure date of the account, and highlighted the specific inaccuracies on my credit report. Despite clear evidence and a precise outline of the legal statutes, Equifax has chosen to disregard this information, opting instead to uphold the erroneous reporting.

What I want : 1. Immediate Re-evaluation : I demand that Equifax immediately re-evaluate their reporting of this account, ensuring compliance with the statutory limitations set forth by California law and the FCRA.

2. Deletion of Outdated Information : The immediate removal of the disputed charge-off from my credit report is required by law, given the expiration of the permissible reporting period.

3. Written Confirmation : I seek a written acknowledgment and detailed explanation of the actions Equifax will take to correct this violation, including confirmation of the account 's deletion from my credit report.

Failure to rectify this issue compels me to seek assistance from the CFPB and consider further legal actions to enforce compliance and protect my rights under federal and state laws.

I appreciate the CFPB 's attention to this matter and await prompt corrective action from Equifax. 


To include a statement about the provision of supporting documentation with your complaint, you could phrase it as follows : Supporting documentation is provided : Please note that I have attached relevant supporting documentation to substantiate my claims and illustrate the inaccuracies in my credit report. These documents include evidence of the charge-off date provided by XXXX XXXX XXXX and copies of my credit reports showing the disputed information. This evidence underscores the necessity for the immediate correction of my credit report in accordance with applicable laws. I trust that this documentation will aid in the thorough re-evaluation and prompt resolution of my dispute.