Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX Subject : Common Law Demand for Verification and Correction of Erroneous and Unverified Entries -- - NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear Equifax, This letter serves as a formal Common Law dispute and demand for verification of certain information appearing on my Equifax credit report ( Confirmation # XXXX, dated XX/XX/year> ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and under common law principles of truth, good faith, and full disclosure, I hereby demand that you provide proper verification for the following accounts currently being reported under my name and Social Security number ending in XXXX. 


-- - ACCOUNTS IN DISPUTE 1. XXXX XXXX XXXX  Account ending in XXXX ( Reported as Charge Off on XX/XX/year> ) 2. XXXX XXXX XXXX  XXXX XXXX Account ending in XXXX ( Reported as Charge Off on XX/XX/year> ) 3. XXXX XXXX XXXX Account ending in XXXX ( Reported as Charge Off on XX/XX/year> ) 4. XXXX  XXXX XXXX XXXX XXXX ( XXXX ) Accounts ending in XXXX ( Reported as Over 120 Days Past Due on XX/XX/year> ) -- - DEMAND FOR VERIFICATION Under both common law and federal law, all parties engaged in commerce are bound by the principles of full disclosure, good faith, and clean hands. Therefore, I require you to provide the following : 1. Verification of the debt, including the name and contact information of the alleged creditor, and proof of my contractual obligation to pay the amounts claimed.

2. Proof of lawful assignment or ownership showing that the reporting entity has the legal right to collect or report this alleged debt.

3. A signed, sworn affidavit from a competent party with firsthand knowledge attesting to the accuracy and validity of the information being reported.

4. Evidence of compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), demonstrating lawful reporting and verification.

If you can not produce the above within 30 days, you are required under the FCRA 611 ( 15 U.S.C. 1681i ) to delete or permanently remove the disputed information from my file.

-- - NOTICE OF LIABILITY Be advised that if you continue to report or publish unverifiable or inaccurate information, you will be in violation of federal law and common law rights to privacy and good faith, and may be held personally and commercially liable for any harm, damages, or loss that results from continued publication of false information.

This letter serves as notice of dispute and conditional acceptance upon proof of claim. Absent verification as demanded, you must delete the accounts listed above and send me written confirmation of removal within 30 days of receipt of this notice.

-- - Respectfully and without prejudice, XXXX XXXXXXXX XXXX XXXX Authorized Representative All Rights Reserved Without Prejudice UCC 1-308 / UCC 1-103 -- - Would you like me to also include a follow-up affidavit of truth ( to notarize and send if they dont respond within 30 days )? This makes the dispute stronger under common law procedure.

Company response to consumer: Closed with explanation