Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and protections under the Uniform Commercial Code ( UCC ). I am challenging the following accounts appearing on my credit report as inaccurate, incomplete, and/or unverifiable : Accounts in Dispute Dept of Education XXXX XXXX ( Account ending XXXX ) Balance : {$3000.00} | Status : XXXX days past due Issue : Reporting of delinquency is inaccurate and does not reflect current deferments/payment status. No original signed loan note has been produced. 
Dept of Education XXXX XXXX  ( Account ending XXXX ) Balance : {$6400.00} | Status : XXXX days past due Issue : Reporting is inconsistent and unverifiable. No original loan contract, disbursement records, or lawful validation has been provided. 
XXXX XXXX ( Account ending XXXX ) Balance : {$35.00} | Status : XXXX days past due Issue : Reporting of severe delinquency on such a low-balance revolving account is disproportionate, inaccurate, and unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Balance : {$370.00} | Status : Collection Issue : No contract or agreement signed by me has been provided. I dispute the validity and ownership of this alleged debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Balance : {$2700.00} | Status : Collection Issue : No original lease or accounting documentation has been furnished. This account is unverifiable and improperly reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Balance : {$700.00} | Status : Collection Issue : Possible re-aging and unverifiable reporting. No valid contract or billing history has been provided. 
Legal Grounds for My Dispute - FCRA 602 ( A ) : All reporting must be fair, accurate, and verifiable.

- FCRA 609 ( a ) ( 1 ) : I am entitled to the source of information, including contracts, signed applications, and original documentation.

- FCRA 611 ( a ) ( 1 ) ( A ) : You must investigate and delete unverifiable or inaccurate information within 30 days. 
- FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report information they knowor should knowis inaccurate.

- UCC 3-501 & 3-505 : A debt must be validated with the original signed agreement or commercial instrument. Absent such evidence, continued reporting constitutes fraud and misrepresentation. 
My Demands 1. Conduct a full reinvestigation into the above-listed accounts.

2. Provide complete verification including original contracts, signed applications, and lawful proof of liability.

3. Delete any account that can not be verified with original documentation within the XXXX FCRA timeframe. 
XXXX. Provide me with a written response and an updated copy of my corrected credit report. 
Notice of Intent Failure to comply with these obligations will leave me no choice but to pursue remedies under FCRA 616617, which provide for actual damages, statutory damages, attorneys fees, and punitive damages. Continued reporting of unverifiable accounts is a willful violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief