Consumer complaint received 2025-11-23 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: VA

Complaint narrative:
INTENT TO SUE + FULL VALIDATION & RE-INVESTIGATION DEMAND ( FCRA 1681i, 1681s-2, 616617 | FDCPA 1692g ) WITH {$10000.00} CIVIL LIABILITY NOTICE FOR : EQUIFAX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX To Whom It May Concern, This correspondence serves as a formal dispute, validation demand, and intent to sue for {$10000.00} for willful and negligent noncompliance under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

You are reporting inaccurate, incomplete, unverifiable, and unauthorized information on my credit file. 
FCRA requires you to maintain maximum possible accuracy at all times. ( FCRA 607 ( b ) ) I am demanding a full reinvestigation and complete validation of ALL items listed below.

Failure to comply within 30 days will result in legal action under : FCRA 1681i Failure to reinvestigate FCRA 1681s-2 Failure of furnisher to report accurately FCRA 616 Civil liability for willful noncompliance FCRA 617 Civil liability for negligent noncompliance FDCPA 1692g Validation of debts I fully intend to pursue up to {$10000.00} in damages for each violation. 

ITEMS REQUIRING IMMEDIATE REMOVAL OR CORRECTION XXXX. PERSONAL INFORMATION INACCURACIES Remove incorrect previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Remove incorrect employer : Patience For Patient XXXX. UNAUTHORIZED INQUIRIES ( NO PERMISSIBLE PURPOSE ) The following inquiries were NOT authorized and violate FCRA 604 ( a ) ( 2 ). 
REMOVE IMMEDIATELY : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX. ACCOUNTS THAT MUST BE VERIFIED OR REMOVED Capital XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ensure ALL data is accurate, verified, and Metro-2 compliant. 

Virginia XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide validation or DELETE immediately. 

XXXX XXXX Account # XXXX Provide full validation including contract, ledger, and signed documentation. 

REMOVE if you can not validate. 

VALIDATION REQUIRED For every disputed account, provide : Original signed application or contract Complete payment history Chain of custody / proof of ownership Permissible purpose documentation Metro-2 compliant reporting data Furnisher name, address, and phone number If you can not provide VALIDATION, you must DELETE the item. 

REQUIRED ACTIONS UNDER LAW You must : Conduct a full reinvestigation within 30 days Provide written results Provide a description of procedures used within 15 days after completion Provide a corrected credit report to all creditors who accessed my file in the last 6 months ( or 2 years for employment ) Failure to comply will result in legal action and regulatory complaints. 

NO REINSERTION NOTICE Under FCRA 611 ( a ) ( 5 ) : If any item is deleted, it may NOT be reinserted unless you : Certify its accuracy Notify me within 5 business days Failure to follow this law will trigger immediate litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation