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: IL

Complaint narrative:
XXXX Subject : Formal Dispute, Demand for Method of Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts reported on my XXXX credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation, the method of verification, and a detailed description of the procedure used to verify the accuracy of the disputed information. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding all relevant documentation used to substantiate the reporting of these accounts, including proof of ownership and the burden of proof required to validate the debt. If you can not provide this information within 15 days of receipt of this letter, I demand that the disputed items be blocked or removed from my credit file immediately. 

Accounts in Question XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX XXXXXXXX XXXX  XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX Specific Requests : Provide the exact method of verification used to validate the accuracy of each disputed account. 

Provide a complete description of the procedures followed during your investigation of this dispute. 

Provide copies of all documentation used to validate the accuracy of the accounts and inquiries, including proof that the accounts belong to me. 

If you can not provide the requested documentation and verification within 15 days, I demand that you : Block or remove the disputed accounts from my credit file as required under the FCRA.

Cease and desist all reporting and communication regarding these accounts.

Legal Notice and Threat of Litigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), failure to conduct a reasonable investigation, provide documentation, or remove inaccurate or unverifiable information constitutes a violation of federal law. If you fail to comply with this request, I will pursue legal action for the following : Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities.

Punitive Damages : For willful noncompliance with the FCRA.

Attorneys Fees and Costs : For legal action required to enforce my rights under the FCRA.

Additionally, reporting inaccurate or unverifiable information is considered defamation of character, exposing you to further legal liability.

I expect your written response, including all requested documentation, within 15 days of receipt of this letter. Failure to respond to or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief