Consumer complaint received 2025-08-10 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: IL

Complaint narrative:
XXXX XXXX Email : XXXX  Date : XX/XX/XXXX Subject : Formal Dispute Failure of Furnisher to Verify Request for Immediate Deletion Under FCRA To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and unverifiable information in my credit report. 

The following account is being reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account No. : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. : XXXX I have previously sent a written request directly to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for verification of this alleged debt, requesting documentation including : Original name of the creditor Original full account number Date the account was opened Date of the last statement or payment Amount of the original debt Complete itemized statement of the accounts full history To date, they have failed to provide any response or documentation. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must delete any information that a furnisher can not verify. Continued reporting of this account is a direct violation of the FCRA. 

Inquiry Removals Requested : Please remove these inquiries that lack permissible purpose or are otherwise unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Notice : Failure to comply within 30 days will result in legal action under 15 U.S.C. 1681n, 1681o, and 1692k for statutory, actual, and punitive damages plus attorney fees.

Legal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires deletion or correction of inaccurate or unverifiable information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Information that can not be verified must be promptly deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Verification requires concrete evidence from the furnisher, not a cursory check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Continued reporting without verification is a violation of the FCRA. 

Demand You are hereby instructed to : Delete this account from my credit file immediately. 

Provide written confirmation of deletion within 15 days of receipt of this letter. 

Cease any further reporting of this unverifiable debt.

Notice of Legal Action Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, along with civil litigation seeking : Statutory damages under 15 U.S.C. 1681n Actual damages Punitive damages for willful violations Attorneys fees and costs This is your final notice. Noncompliance will result in immediate legal action without further warning. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation