Consumer complaint received 2025-02-07 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Fourth Request for Removal of Unverified and Inaccurate Accounts and from My Credit Report To Whom It May Concern, This letter serves as my fourth formal dispute of the inaccurate and unverified accounts and inquiries currently listed on my credit report. Despite multiple previous requests, XXXX has failed to adequately investigate, verify, or remove these erroneous entries, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
The continued presence of these unverified and inaccurate accounts and inquiries on my credit report is both damaging to my credit score and a clear violation of federal law. This failure to correct your records is unacceptable and requires immediate action. 
Disputed Accounts/Inquiries : XXXX Accounts : XXXX. XXXX XXXXXXXX {$16000.00} XXXXXXXX XXXX XXXX {$520.00} XXXXXXXX XXXX XXXXXXXX {$920.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$2000.00} XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5100.00} As I have already outlined in previous communications, these accounts and inquiries have not been properly verified, and Equifax has failed to conduct a thorough investigation into these disputes, which are your legal obligation to resolve. Under the FCRA, you are required to conduct a reasonable investigation within 30 days of my dispute, and yet these unverified, inaccurate items remain unresolved. 
This ongoing failure to remove these inaccurate and unverified entries will not be tolerated any longer. I am demanding the immediate and permanent removal of the disputed accounts and inquiries from my credit report. If these entries are not removed within 15 business days from the date of this letter, I will take the following actions without further notice : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

2. Pursue legal action for damages caused by your failure to comply with the FCRA, including but not limited to the harm caused to my creditworthiness.

3. Pursue any other legal recourse available under state and federal law.

Please be advised that I am not willing to accept further delays or responses that fail to resolve this matter. The law is clear, and it is your responsibility to act within the bounds of the law.

I demand written confirmation that these inaccurate and unverified accounts have been removed from my credit report and that my file has been fully corrected. Failure to comply will result in legal consequences that I am prepared to pursue.

I expect a swift and complete resolution to this matter. If I do not receive a satisfactory response from you within 15 business days, you will be hearing from my legal team.

Thank you for your immediate attention to this matter. I look forward to receiving your confirmation of removal. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation