Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Final Demand for Immediate Deletion of Inaccurate and Unverifiable Information Dear Equifax, I am writing as a final demand for the deletion of multiple inaccurate, incomplete, and unverifiable items from my credit report. I have made several attempts to dispute these errors, yet Equifax has failed to comply with these obligations under the Fair Credit Reporting Act ( FCRA ). These items must now be deleted immediately, as you have not provided sufficient evidence to verify their accuracy or validity. 

Failure to Address Previous Disputes Despite submitting numerous disputes, Equifax has continued to report accounts and public records that : Contain incorrect balances, payment histories, or dates, Are reported beyond the statute of limitations, Accounts unverifiable by the reporting creditors or collection agencies. 


You have failed to investigate these disputes adequately or provide any legitimate documentation proving these accounts are accurate. Instead, I have received repeated denial letters while these errors continue to harm my credit profile. 

Statute of Limitations and Validation Issues One specific collection agency is reporting public records beyond the statute of limitations. This same agency can not even provide the correct balance or start date of an original account that is beng reported negatively, making the information that is being reported unverifiable, but then Equafaxes investigation is returning as verified. 

By law, Equifax is required to remove this information, as it can not be substantiated. 

Violation of Federal Laws Equifax has violated my rights under the following laws : 1. FCRA Section 1681i : You have failed to conduct a proper reinvestigation of my disputes and must delete unverifiable information.

2. FCRA Section 1681e ( b ) : You have not ensured the maximum possible accuracy of the information reported.

3. FCRA Section 1681c : Reporting public records beyond the allowable time frame is unlawful. 


XXXX. Fair Debt Collection Practices Act ( FDCPA ) : The collection agency has failed to validate the debt properly, rendering it unreportable.

Demand for Immediate Deletion Equifax has had multiple opportunities to address these errors, yet they have chosen to leave inaccurate and unverifiable information on my credit report. Therefore, I now demand that these items be permanently deleted within 15 days of receipt of this letter. 

If you fail to delete these items, I will take the following actions : 1. File a small claims lawsuit seeking the maximum allowable compensation of {$12000.00} for damages caused by your continued noncompliance.

2. File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 


XXXX. Pursue all other legal remedies available to me to ensure compliance with federal laws. 



This is your final notice. Please confirm in writing that these items have been deleted, along with an updated copy of my credit report. I expect your full compliance and will not tolerate further delays or violations of my consumer rights. 


Violations and Legal Basis XXXX. Failure to Delete Duplicate Reporting** **Accounts** : First Premier Bank Reported with conflicting details between Equifax and XXXX XXXX Account XXXX ( Equifax ) and XXXX ( XXXX ). 
**Violation** : **FCRA 1681e ( b ) ** : Failure to ensure maximum possible accuracy. 

Reasons for Prohibition XXXX. Duplicate reporting misrepresents a consumer 's liabilities, inflating debt and damaging creditworthiness. 
XXXX. Prevents creditors from making fair decisions based on misleading information. 



XXXX. Reporting of Outdated Public Records** Public Record Example : Outdated collections item or court record older than XXXX years remains on the report. 

**Violation** : **FCRA 1681c ( a ) ( 2 ) Prohibits reporting public records older than XXXX years. 

Reasons for Prohibition XXXX. Consumers must not be penalized for resolved or outdated debts beyond the statutory timeframe. 


XXXX. Encourages fair rehabilitation and the ability to rebuild credit over time. 



XXXX. Inaccurate Reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Violation** : **FCRA 1681s-2 ( a ) ** : Furnishers are prohibited from reporting incomplete or inaccurate information. 

Reasons for Prohibition XXXX. Protects consumers from inflated or fabricated debts that could lead to unfair credit denials. 
XXXX. Ensures that all data furnishers report accurate and verifiable information. 



XXXX. Illegally Reported Collection Accounts Accounts : XXXX XXXX, XXXX XXXX XXXX XXXX I have no knowledge of these accounts or companies. 

No contracts exist between me and these companies. 

Balances reported do not align with any of my records, nor do they reflect amounts paid by the debt buyers. 

**Violations** : **FCRA 1681s-2 ( a ) ** : Reporting inaccurate or unverifiable information.

**FCRA 1681b ( a ) ** : Prohibits accessing or using personal information without authorization. 

Reasons for Prohibition XXXX. Prevents the exploitation of personal data by third parties without valid contracts. 
XXXX. Protects consumers from financial harm due to fabricated or unverifiable debts. 


XXXX. Failure to Investigate and Resolve Disputes. 

Violation** : **FCRA 1681i ( a ) ( 1 ) Credit bureaus must reasonably reinvestigate disputed items.

**Reasons for Prohibition** : 1. Ensures consumers can address and correct errors to prevent ongoing harm.

2. Holds credit bureaus accountable for maintaining the accuracy of the credit reporting system.

Resolution Demands The following items must be **immediately deleted** from my credit report : XXXX. Duplicate accounts. including XXXX XXXX XXXX 

XXXX. Outdated public records. beyond the seven-year statute of limitations. 

XXXX. Inaccurate accounts, such as XXXX XXXX XXXX showing unverified and inflated balances. 

XXXX. All collection accounts, including XXXX XXXX and XXXX XXXX XXXX, which are unverifiable and unauthorized. 

Equifax has XXXX days** from the receipt of this letter to comply. Failure to delete these items will result in my filing a small claims case seeking {$12000.00} in statutory damages for repeated violations of my rights under the FCRA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief