Consumer complaint received 2025-07-23 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:
Credit Bureau Urgent Dispute Letter Date : XX/XX/XXXXXXXX  To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Urgent Dispute of Multiple Accounts Demand for Permanent Deletion To Whom It May Concern, This letter serves as my formal notice to Equifax under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., disputing the completeness, accuracy, and verifiability of several accounts currently being reported on my credit file. Pursuant to FCRA 609 ( a ) ( 1 ), 611 ( a ), and 623 ( b ), I demand a thorough reinvestigation and the permanent deletion of the accounts listed below due to multiple violations including but not limited to : unverifiable reporting, failure to validate with original signed contracts, lack of permissible purpose, incorrect status updates, and outdated information. 

XXXX : Charge-off. No original contract or written authorization provided. Violation of FCRA 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ; FDCPA 807. 
XXXX XXXX  : Charge-off. Payment history shows conflicting data. No verification of debt. FCRA 609, 623 ( b ), FACTA compliance failure. 
XXXX : Charge-off. Account shows multiple violations including unverifiable balance and outdated report status. Violates FCRA 611 and 623. 
XXXX XXXX XXXX  Charge-off. Reported without evidence of permissible purpose. FCRA 604 ( a ) ( 3 ), 611, FDCPA 807. 
XXXX XXXX : Charge-off. Sold/transferred with no verification or authorization. FCRA 609 ( a ), 623 ( b ) ; FDCPA 809. 
XXXX  : Auto loan with 180+ day lates. Inconsistent late reporting across bureaus. FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ). 
XXXX/DOFED : Multiple student loan entries marked 120+ late. No updated status, no evidence of deferment consideration. Violates FCRA 623 and 605. 
XXXX XXXX XXXX : Collection. No validation of debt. Account reassigned with no notice. Violates FDCPA 809, FCRA 611 ( a ). 
XXXX XXXX XXXX : Collection. Account aged, unverifiable, and incomplete. FCRA 605 ( a ), 623 ( b ). 
XXXX XXXX XXXX & XXXX : Utility collection. No contract or permissible purpose verified. Violates FCRA 604 ( a ), 609, 611. 
XXXX  : Charge-off. No verification, outdated derogatory status. FCRA 611, 623 ( a ), FACTA. 
XXXX XXXX : Collection. Missing documentation, unverifiable. Violates FCRA 609, 623 ( b ). 
XXXX : Collection. Transferred/sold account not properly updated. FDCPA 807 ; FCRA 623 ( a ) ( 2 ). 

I am formally requesting that Equifax, Experian, and Transunion delete all accounts listed above from my credit file within 30 calendar days as required by FCRA 611 ( a ). Any continued reporting of unverifiable, inaccurate, or outdated information after this notice will be treated as willful noncompliance under FCRA 616 and 617, and may result in legal action including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Tennessee Attorney General. 

Please send me an updated copy of my credit report showing removal of these accounts. This letter is sent via certified mail and a copy is retained for legal documentation. 

Sincerely,

Company response to consumer: Closed with non-monetary relief