Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a FINAL DEMAND for the immediate deletion of multiple inaccurate, unverifiable, and outdated accounts from my Equifax credit report. Despite previous disputes, Equifax has failed to conduct a proper investigation and continues to report these items without factual verification, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

If Equifax can not provide actual proof of the disputed accounts below, they must be permanently deleted within 30 days, as required by law.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action under 15 U.S.C. 1681n for willful non-compliance.

DISPUTED ACCOUNTS DEMAND FOR IMMEDIATE DELETION Charge-Off Accounts Must Be Removed Immediately XXXX  XXXX ( Account No. XXXX ) ** Violation : Charge-off reported with conflicting balance amounts. 
Factual Dispute : This account shows different last payment dates and balances across bureaus, violating FCRA 1681e ( b ) ( accuracy standards ). 
XXXX XXXX ( Account No. XXXX ) ** Violation : Charge-off status is inconsistent across credit reports. 
Factual Dispute : XXXX and XXXX list different balances, making the account unverifiable and requiring deletion. 
XXXX XXXX XXXX ( Account No. XXXX ) ** Violation : Incorrect date of last activity and charge-off details. 
Factual Dispute : If Equifax can not produce the original contract and full payment history, this account must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX ( Account No. XXXX ) ** Violation : Charge-off reported with incorrect payment history across bureaus. 
Factual Dispute : If Equifax fails to provide complete account validation, this entry must be removed. 
XXXX ( Account No. XXXX ) ** Violation : Charge-off without full payment history. 
Factual Dispute : This account lacks necessary documentation and fails FCRA accuracy standards. 
XXXX XXXX ( Two Accounts ) ( Account Nos. XXXX and XXXX ) ** Violation : Charge-off with unverifiable balances. 
Factual Dispute : These accounts are missing key financial records, making them unverifiable under FCRA law. 
Collection Accounts Must Be Deleted Immediately XXXX XXXX XXXX ( Account No. XXXX ) ** Violation : Collection for {$1300.00} without documented proof of ownership. 
Factual Dispute : If Equifax can not provide a signed agreement proving debt ownership, this account must be deleted. 
XXXX XXXX XXXX ( Account Nos. XXXX and XXXX ) ** Violation : Collections for XXXX ( {$410.00} ) and Esurance ( {$650.00} ) lack full validation. 
Factual Dispute : These accounts report different balances across credit bureaus, making them unverifiable under FCRA standards. 
XXXX XXXX ( Account No. XXXX ) ** Violation : Collection for {$1200.00} with conflicting balance details. 
Factual Dispute : No proof of ownership or debt validation has been provided. 
XXXX ( Account No. XXXX ) ** Violation : Charge-off without transaction history. 
Factual Dispute : No updates on payment records violate FCRA 1681i ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX ( Account No. XXXX  ) Violation : Collection for {$14000.00} linked to a duplicate auto loan debt ( XXXX XXXX ). 
Factual Dispute : This is a duplicate entry, violating FCRA accuracy standards. 
Public Records Unverifiable Account XXXX XXXX XXXX ( Account No. XXXX ) ** Violation : Inconsistent balance reporting and lack of supporting documentation. 
Factual Dispute : If Equifax fails to provide original court documents, this entry must be deleted immediately under FCRA 1681e ( b ).

FCRA Violations & Legal Notice Equifax has already violated the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Retention of unverifiable information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief