Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Charge-Off Dispute Violation of Federal Laws To Whom It May Concern, I am formally disputing a Charge-Off that appears on my credit report. Under 15 U.S.C. 1681i, I have the legal right to dispute incomplete or inaccurate information in my credit report and request an investigation. Upon reviewing my credit file, I have determined that the Charge-Off in question is inaccurate, unverifiable, or incorrectly reported, and I request its immediate removal.

Violations of Federal Laws : 15 U.S. Code 1681i This law requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days and delete or correct inaccurate, incomplete, or unverifiable data. If the Charge-Off can not be verified, it must be removed from my credit report.

15 U.S. Code 1681e ( b ) Credit reporting agencies must ensure the maximum possible accuracy in credit reports. Reporting a Charge-Off without proper validation is a direct violation of this requirement. 
15 U.S. Code 1681a ( d ) ( 2 ) Transactions that do not involve a legitimate credit relationship must be excluded from credit reports. If this Charge-Off does not meet the necessary criteria, it must be removed.

15 U.S. Code 6801 Credit bureaus are obligated to protect consumers ' personal information. If this Charge-Off was reported in error, it indicates a failure to comply with this legal duty.

15 U.S. Code 6802 Entities that collect financial data must obtain consumer consent before sharing personal information. If my data was mishandled, this law has been violated. 
15 U.S. Code 6803 Requires companies to disclose their privacy policies and how they handle consumer information. If the Charge-Off resulted from improper data sharing, it constitutes a breach.

18 U.S. Code 1028A If my personal or financial information was used fraudulently, this could constitute aggravated identity theft, which carries severe legal consequences.

Requested Actions : Immediate removal of the disputed Charge-Off from my credit report. 
Provide documented proof that the Charge-Off is accurate, verifiable, and legally reportable.

If verification is not provided within 30 days, I expect the Charge-Off to be permanently deleted.

Provide written confirmation that the Charge-Off has been removed or corrected. 
Legal Consequences for Non-Compliance : Failure to conduct a proper investigation and resolve this matter within 30 days will be considered a violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws. If necessary, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, as well as pursuing legal action under 15 U.S.C. 1681n & 1681o, which allow for statutory and punitive damages in cases of willful or negligent non-compliance.

I take the accuracy of my credit report very seriously and expect this matter to be resolved immediately. Please send all correspondence related to this dispute to my mailing address listed above. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Copy of my photo ID Proof of current address

Company response to consumer: Closed with explanation