Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Phone : XXXX Email : XXXX Date : __________________ To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FORMAL DISPUTE & DEMAND FOR DELETION FCRA, FDCPA & METRO 2 COMPLIANCE I am formally disputing every inaccurate, unverifiable, obsolete, re-aged, mixed, duplicated, and improperly furnished account appearing on my Equifax consumer report. Under FCRA 611, I am asserting my full legal right to a lawful reinvestigation and demanding the immediate deletion of all disputed items unless you provide actual proof, including my original wet-ink signature, full itemized account history, complete chain of title, assignment agreements, and proof of permissible purpose. 
Furthermore, I am requesting verification because I never gave written consent for any furnisher, collector, lender, or reporting source to obtain, share, furnish, or report ANY of my personal information. This is a direct violation of 15 U.S. Code 1681b ( a ) ( 2 ), and any account furnished without my authorization must be deleted immediately.

Under 15 U.S. Code 1692g, I am demanding full validation for ALL collection accounts being reported, including : The original signed contract Full detailed payment history Whether any insurance claim was filed or paid Complete chain of title showing right to collect All sale, transfer, and assignment documents It is outrageous, negligent, and inhuman to continue reporting accounts that are XXXX XXXX XXXX, illegally re-aged, duplicated, or updated month after month in violation of FCRA 1681c ( 7-Year Reporting Limit ). Equifax is knowingly reporting items far beyond the legal time frame permitted by federal law. 
There are major factual inaccuracies, false late payments, inconsistent dates, illegal re-aging, duplicated student loans, and obsolete accounts on my Equifax file. Continuing to report these itemsafter receiving proper noticeplaces Equifax in willful and negligent noncompliance with 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). 
1. DISPUTED ACCOUNTS REQUIRE DELETION OR FULL VALIDATION XXXX XXXX XXXX XXXX ( XXXX ) Acct # : XXXX {$63.00} XXXX XXXX  Acct # : XXXX {$1000.00} XXXX XXXX Acct # : XXXX {$820.00} Charge-Offs XXXX Bank Acct XXXX : XXXX {$1300.00} XXXX Card Acct # : XXXX {$89.00} Student Loans All XXXX/Dept of ED ( XXXX XXXX XXXX ) Accounts beginning with XXXX Balances : {$920.00}, {$1200.00}, {$4100.00}, {$4300.00}, {$4400.00}, {$4400.00}, {$5300.00}, {$8300.00} Some loans appear duplicated. ALL must be deleted. 
Other Negative Accounts XXXX XXXX Acct # : XXXX XXXX Acct XXXX : XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX. PERSONAL INFORMATION DISPUTE Delete incorrect name XXXX XXXX, outdated addresses, and false employer data. 
3. WHAT I AM REQUESTING 1. Permanent deletion of all disputed accounts 2. Method of Verification ( 1681i ( a ) ( 7 ) ) 3. Wet-signature contracts 4. Chain of title records 5. Updated Equifax report 4. APPLICABLE LAWS ( FULL TEXT & APPLICATION ) 15 USC 1681b ( a ) ( 2 ) Permissible Purpose A CRA may NOT furnish or obtain a report without written authorization. 15 USC 1692g Debt Validation Collectors must provide original contract, full payment
history, and chain of title.

15 USC 1692cc Cease Reporting Collectors must stop reporting unvalidated debts.

15 USC 1681e ( b ) Maximum Accuracy All information must be accurate and verifiable.

15 USC 1681i Reinvestigation Unverifiable items MUST be deleted.

15 USC 1681c 7-Year Rule Negative information older than 7 years can not be reported.

Metro 2 Compliance Bureaus can not show re-aging, duplicate loans, or false late payments.

5. NOTICE OF LEGAL ACTION If Equifax fails to comply, I will file complaints with the CFPB, FTC, XXXX, Attorney General, and pursue legal action under 1681n & 1681o. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief