Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Demand for Investigation Verification & Immediate Deletion of Inaccurate Data Confirmation # XXXX Dear Equifax, This letter serves as an official dispute and demand for verification under the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws regarding erroneous, outdated, unverifiable, and misrepresented data currently being reported on my Equifax credit file dated XX/XX/XXXX, under Confirmation # XXXX. 

Failure to Investigate and Provide Verification Violation of FCRA & FDCPA As a consumer, I am entitled under FCRA 1681i ( a ) to a full and reasonable reinvestigation of any disputed information. Furthermore, under FCRA 1681e ( b ), Equifax is required to ensure maximum possible accuracy in reporting. If any data can not be verified, it must be deleted as required by FCRA 1681i ( a ) ( 5 ). 

As of this letter, I am demanding that Equifax provide the following for each disputed item : 1. A step-by-step breakdown of the reinvestigation conducted for Confirmation # XXXX. 

2. The name and department of each Equifax employee involved in the dispute process ( chain of command ). 

3. Copies of original documentation with my wet-ink signature, not electronic reproductions. 

4. Verified documentation from the original data furnishers, including most recent billing statements ( dated XX/XX/XXXX ) showing valid activity and balance. 

5. An explanation of why unverifiable or paid/closed accounts are still reporting as active. 

Disputed Accounts & Errors Below are accounts that Equifax continues to report inaccurately despite having been paid and closed, or which contain false or misleading information : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Paid/Closed, but reporting " Pays As Agreed '' as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Paid/Closed, still reporting " Pays As Agreed '' on XX/XX/XXXX. 
XXXX. # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Paid/Closed, still marked " Pays As Agreed. '' XXXX. # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Paid/Closed, still reporting as active. 
XXXX. # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Paid/Closed, still marked current. 
Capital XXXX Account # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Status showing blank despite being closed. 
XXXX  Accounts # XXXX, # XXXX, # XXXX Report conflicting billing addresses : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Show as Charged Off in XXXX, later changed to " Account Sold '' This is factually impossible and a clear FCRA and identity theft violation. 
o No 30-day notice or letter of delinquency was sent. 
XXXX  / XXXX XXXX # XXXX Opened XX/XX/XXXX, Authorized User, Last Activity XX/XX/XXXX Still reporting " Pays As Agreed '' with no proof of authorization or contract. 

Credit Utilization & Inaccurate Income Reporting XXXX XXXX shows 91 % credit utilization with no supporting calculation. 
Income shown as " just under $ XXXX '' is grossly inaccurate and unverified. 
This misreporting impacts my revolving utilization ratio and creditworthiness and violates FCRA 1681e ( b ). 

Laws Breached by Equifax & Furnishers FCRA 1681e ( b ) : Failure to maintain accuracy. 
FCRA 1681i : Failure to reasonably investigate disputes.

FCRA 1681s-2 ( b ) : Furnishers failure to conduct reinvestigation.

FCRA 1681n & 1681o : Civil liability for willful or negligent noncompliance.

FCRA 605B : Prohibits reporting any information resulting from identity theft.

15 U.S. Code 1692g ( b ) : Debt collectors must cease reporting if debt is disputed without verification. 

15 U.S. Code 1692c : No communication without consent.

15 U.S. Code 1692d : Harassment or abuse, including inaccurate damage to consumer profile.

15 U.S. Code 1692k : Civil liability provisions under the FDCPA. 

Demand for Immediate Action If Equifax can not provide the requested proof, documentation, and validation for each disputed item, you are required to permanently delete all unverifiable entries within 15 days of receipt of this letter. 

If Equifax fails to comply, I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the Federal Trade Commission ( FTC ) and the State Attorney General Seek legal counsel to pursue damages under FCRA 1681n and 1681o, and FDCPA 1692k Sincerely, XXXX XXXX Enclosures : Copy of Government-Issued Photo ID Proof of Address ( Recent Utility Bill ) Copy of Equifax Credit Report XXXX XX/XX/XXXX Highlighted list of disputed items and Confirmation # XXXX

Company response to consumer: Closed with non-monetary relief