Consumer complaint received 2025-10-26 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: SC

Complaint narrative:
This letter serves as my FOURTH and FINAL DEMAND for reinvestigation and deletion of inaccurate, obsolete, and conflicting items that continue to appear on my Equifax credit file. 

You have been notified multiple times regarding these same accounts. Your ongoing failure to permanently correct or remove them constitutes willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ), 1681i ( a ), and 1681i ( a ) ( 5 ). 

The following accounts are still being reported inaccurately and must be IMMEDIATELY REMOVED : XXXX XXXX XXXX XXXX. Appears only on certain bureaus and has been re-aged. See Illegal Re-Aging Notice below. 

XXXX XXXX XXXX ( {$570.00} and {$4500.00} ). Duplicate charge-offs ; remove unverifiable or duplicate entry. 

XXXX XXXX {$2000.00} Charge-Off. Conflicting dates and payment history ; delete unless verified by original documentation. 

XXXX XXXXXXXX XXXX  {$440.00} Charge-Off. Conflicts with other bureau data ; delete if not verified by authenticated records. 

Possible Financial Multiple Accounts ( XXXX and XXXX ). Duplicate and inconsistent ; remove unverifiable entries. 

XXXX XXXX {$2000.00} Charge-Off. Verify or delete. 

XXXX XXXX XXXX Charged-Off/Transferred. Verify or delete. 

XXXX XXXX and XXXX XXXX ( XXXX ). Obsolete under 1681c ( a ) ( 4 ) ; delete immediately. 

Illegal Re-Aging Notice XXXX XXXX XXXX XXXX XXXX XXXX This account was originally charged off in XXXX, yet Equifax now reports later Date Opened, Date Reported, or Date of Last Activity fields implying a more recent delinquency. 

I have not made any payments or entered any new agreement with this creditor since the original default. Any modification of the original delinquency date constitutes illegal re-aging, violating 15 U.S.C. 1681c ( a ) ( 4 ) ( seven-year reporting limit ) and 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( prohibiting inaccurate reporting of the date of first delinquency ).

You are hereby required to provide written proof of the original Date of First Delinquency ( DOFD ) supplied by the furnisher or delete this account in its entirety for reporting beyond the lawful seven-year period. Continued reporting of a re-aged account will be treated as willful non-compliance under 1681n and negligent non-compliance under 1681o, and will be included in complaints filed with the CFPB, FTC, and State Attorney General.

Violations 1681e ( b ) : Failure to maintain maximum possible accuracy.

1681i ( a ) ( 1 ) ( A ) : Failure to conduct a lawful reinvestigation within XXXX days.

1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or obsolete information.

1681s-2 : Continuing publication of inaccurate or conflicting data.

Formal Notice and Demand Provide the method of verification for each disputed item, including the name, address, and phone number of every furnisher contacted.

Delete all items listed above that can not be verified through original creditor documentation.

Provide a corrected credit report within XXXX  days of receipt of this letter.

Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General, and civil litigation in federal court under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages, including attorneys fees and costs.

Company response to consumer: Closed with non-monetary relief