Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL NOTICE OF CONTINUED FCRA VIOLATIONS DEMAND FOR REMOVAL OF UNVERIFIED AND INACCURATE ENTRIES To Whom It May Concern, This is a final demand for immediate removal of multiple accounts that are inaccurately and unlawfully being reported on my Equifax credit file. These accounts have been disputed numerous times with Equifax and the original furnishers, yet no legally sufficient documentation has ever been provided to validate these debts. Despite this, Equifax continues to falsely mark these items as verified without any explanation or tangible evidence. 

The following accounts are at issue : XXXX XXXX XXXX  Account Number Ending in XXXX Reporting as a Charge-Off with {$14000.00} due This account reflects several years of outdated and erroneous payment history, with no documentation provided by the furnisher upon my repeated requests. 

XXXX XXXX XXXX Account Number Ending in XXXX Incorrectly reported as Charged-Off with {$12000.00} due This debt has been disputed multiple times ; its balance is misrepresented and no valid chain of custody or verification documents have been submitted, despite my demands. 

XXXX XXXX XXXX  Account Number Ending in XXXX Marked as Pays as Agreed, but its reporting history contains unexplained discrepancies which were never clarified or corrected. 

XXXX XXXX XXXX ( Multiple Accounts ) Reported as Collections for debts that I do not owe, with fabricated balances of {$710.00} and {$240.00} No original creditor validation has ever been provided ; XXXX has failed to validate these debts under the FDCPA. 

I have already submitted a formal complaint through the Consumer Financial Protection Bureau ( CFPB ) ( Ref # : XXXX ). My complaint clearly stated that Equifax failed to perform a lawful investigation, failed to provide method of verification under 15 U.S. Code 1681i, and may be in violation of federal enforcement actions already taken by the CFPB against XXXX  and Equifax for sham investigations. 

You are now on legal notice of the following : If you do not DELETE these accounts or provide full documentation within 15 days of receipt of this letter, I will : File formal complaints with the CFPB, the FTC, and the Arizona Attorney General ; Seek statutory and punitive damages in federal court under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance ; Include actual damages, legal costs, and attorneys fees in my claims. 

Equifax has already acknowledged in its CFPB response dated XX/XX/year>, that these accounts are " not currently reporting '' yet they continue to appear on my current XX/XX/year> credit file. This constitutes willful misreporting and a violation of federal law. 

I demand that you immediately : Delete all accounts listed above, Provide detailed reinvestigation documentation for any information you intend to keep, Issue a revised copy of my credit report reflecting these corrections. 

I have enclosed copies of my ID and proof of address. You have 15 days to comply before I initiate legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief