Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
I have disputed inaccurate information on my credit report with the credit bureaus 3 times and each time the account keeps coming back as verified by the creditor. 
I am writing to formally address significant inaccuracies in the account of the XXXX account, specifically account number XXXX. Despite multiple attempts to resolve these issues, yet this erroneous account continues to be reported to my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on this account appear to breach CitizensOne 's legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information - Account Name and Number : XXXX XXXX XXXX - Reported Inaccuracies : - Erroneous and inconsistent entries - Incorrectly reporting and not XXXX Compliant for credit reporting Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The responses Ive received thus far fall short of these requirements.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies on my credit reports, it is apparent that XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and XXXX XXXX standards also mandate a rigorous data accuracy protocol. XXXX 's reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for DELETION I demand that the 3 CREDIT bureaus immediately delete the inaccurate account on my consumer credit files immediately. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this correspondenceto pertinent regulatory and media bodies.

FCRA VIOLATIONS AND SECTIONS : Specifically, I am invoking my rights under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which explicitly mandates that credit reporting agencies must physically verify the original signed consumer contract for any and all accounts posted on a credit report. Failure to provide such verification compromises the integrity of the credit reporting system and may result in the unjust detriment of consumers.

FCRA Section 609 ( a ) ( 1 ) ( A ) : This section explicitly requires the verification of original signed consumer contracts for all accounts posted on a credit report.

FCRA Section 611 : This section pertains to the procedures for disputing inaccuracies on a credit report.

FCRA Section 623 : This section outlines the responsibilities of furnishers of information to credit reporting agencies.

FCRA Section 624 : This section concerns the responsibilities of credit reporting agencies upon receiving notice of disputes.

I hereby demand the following actions : Immediate Deletion : I insist on the immediate deletion of the inaccurate account reported by XXXX  ( Account Number : XXXX ) on my credit report. 

Failure to comply with these demands within the timeframes stipulated by the FCRA will leave me with no choice but to pursue legal action to protect my rights under federal law. I trust that your agency will take this matter seriously and act promptly to rectify this situation in accordance with the law. 

Please provide me with a written response within 30 days of receiving this letter, outlining the actions taken to address these violations and confirming the removal of the fraudulent collection account. Failure to do so will leave me with no alternative but to initiate legal proceedings to seek remedies and damages under the FCRA

Company response to consumer: Closed with non-monetary relief