Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Final Notice of FCRA Violation Demand for Immediate and Permanent Deletion of Inaccurate XXXX XXXX Accounts To Whom It May Concern, This letter serves as formal notice that you are currently reporting inaccurate XXXX XXXX credit card accounts on my credit reports. I dispute the accuracy of these accounts and any alleged delinquencies or payment histories associated with them. 

I have previously disputed these accounts and, in each case, your agencies responded that the information had been verified as accurate. However, I am asserting, again and unequivocally, that : I have never opened or authorized any XXXX XXXX credit card account ; and I dispute all claims of ownership, activity, or delinquencies related to the XXXX XXXX accounts appearing on my credit files. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I then submitted a request for the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 7 ). I requested the following : The full name, department, and telephone number of the person or representative you spoke to regarding the account ( s ) ; The date and time of that verification ; and All original documentation and records used in your investigation, including signed agreements, full payment history, and proof that I am contractually responsible for the account ( s ) in question.

As required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are obligated to provide this information within five ( 5 ) business days of my request. That deadline has passed. No such information has been provided, and as such, you are now in violation of the FCRA.

Let me emphasize this point : According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation an item of information is found t
o be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) states that when information is deleted because it can not be verified, it must be permanently blocked from reappearing on the consumers report unless the furnisher of information provides certified proof of its accuracy. 

The law does not permit you to verify information by simply accepting a response through automated systems such as e-OSCAR, or by relying on third parties such as other credit reporting agencies. A proper reinvestigation requires independent verification, as upheld by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : A reinvestigation that merely parrots the furnishers response without independent verification is an inadequate investigation under the FCRA. 

You are now in violation of several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) ; 1681i ( a ) ( 5 ) ( A ) ( B ) ( failure to delete and block unverifiable information ) ; 1681i ( a ) ( 6 ) ( B ) ( iii ) ( failure to provide verification within 5 business days ) ; and 1681e ( b ) ( failure to ensure maximum possible accuracy of the credit file ).

As a result, you are subject to civil liability under 15 U.S.C. 1681n and 1681o, which entitles me to : Actual damages, Statutory damages of up to {$1000.00} per violation, Punitive damages for willful noncompliance, and Attorneys fees and costs. 

DEMAND : I am hereby demanding that : All XXXX XXXX accounts be immediately deleted from my credit reports ; and They be permanently blocked from future reappearance, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

If you fail to comply with this demand, I will pursue legal action and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

This is your final notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation