Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
BACKGROUND AND FORMAL DEMAND This correspondence constitutes my formal I6B3 compliance and evidentiary audit trail demand regarding the continued reporting of the above-referenced XXXX XXXX XXXX account on my XXXX XXXX consumer report XXXX The data remains verified as accurate despite the absence of any legally sufficient verification materials, constituting willful and negligent non-compliance under 15 U.S.C. 1681i ( a ) ( Reinvestigation of Disputed Information ) and 1681s-2 ( b ) ( Duties of Furnishers ). 

Pursuant to the controlling federal law and related CFPB regulations, I now require full evidentiary disclosure and deletion compliance under the following provisions : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ) Requires deletion of unverifiable data.

15 U.S.C. 1681b Limits permissible purpose for continued dissemination of unverifiable data.

12 C.F.R. 1000.6.34 ( c ) Mandates fair and transparent data handling by consumer reporting entities.

I6B3 XXXX XXXX Code ( FCRA Section 611 ( a ) ( 5 ) ( B ) ) Requires deletion when reinvestigation fails to verify with primary-source evidence.

II. REQUIRED EVIDENTIARY PRODUCTION You are hereby ordered to produce, in native electronic format or certified copies, the complete evidentiary chain between Clarity Services and XXXX XXXX XXXX including all data transmission metadata from first furnish to the most recent dispute response, as follows : All Electronic Audit Trails and Tracking : Every XXXX  XXXX XXXX record exchanged between Experian and XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Transmission IDs and system routing confirmations showing when Experian transmitted and received dispute data. 

Internal Case Handling Logs : The full name, employee ID, title, and department of each Experian employee or contractor who reviewed, verified, or closed my reinvestigation.

Copies of any internal verified/accurate case notes, comments, or system auto-response entries.

Furnisher Verification Records : The name, title/department, and employee identification number of any XXXX XXXX personnel who allegedly verified the accounts accuracy.

Copies of the original primary-source evidence they relied upon ( not screenshots, summaries, or billing extracts ). 

Furnishers transmission confirmation from their compliance system, showing the exact date/time of verified status return to Clarity Services XXXX 

Prohibition & Confirmation of Evidence Use : A written certification confirming that Experian did not rely solely on account statements, screenshots, payment history reproductions, or any derivative images as the basis for validation, consistent with 12 C.F.R. 1000.6.34 ( c ) and CFPB validation guidance. 

Identification of whether any automated matching algorithms were used during reinvestigation, including threshold criteria for verification. 

Deletion Compliance ( I6B3 ) : Confirm that Clarity Services has implemented FCRA 611 ( a ) ( 5 ) ( B ) protocols ( I6B3 ) and that unverifiable items are automatically deleted when primary evidence is not supplied by the furnisher within the prescribed reinvestigation window. 

III. LEGAL PRECEDENT SUPPORTING DELETION DEMAND The following precedents directly govern this dispute and compel deletion when verification is unsupported by primary-source evidence : XXXX XXXX Equifax, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Consumer Reporting Agencies must delete information that can not be verified through direct, documented evidence. Failure to do so violates 1681i. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reinserted or re-verified data must meet CRAs accuracy obligations, and verification requires more than perfunctory reliance on the furnishers database. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Furnishers must conduct a meaningful investigation not a cursory review and the CRA must ensure the reinvestigation process complies with 1681s-2 ( b ). 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : A furnishers reverification can not rest on blind acceptance of computerized records ; it must be grounded in original documentation and primary-source verification. 

Collectively, these cases establish that Clarity Services reliance on electronic reproductions, billing screenshots, or unverified CRM data without producing original, primary documentation constitutes negligent and willful violation of FCRA 1681i ( a ) and I6B3 deletion compliance obligations. 

IV. HARM & LEGAL NOTICE The continued publication of unverifiable information from XXXX XXXX constitutes a willful dissemination of false consumer data in violation of 15 U.S.C. 1681b, causing measurable injury to my credit reputation, underwriting eligibility, and financial standing.

You are hereby on notice that failure to delete or substantiate this item with legally compliant evidence within 15 calendar days will establish prima facie evidence of willful non-compliance subject to civil liability under 15 U.S.C. 1681n and 1681o. 

V. DEMAND FOR ACTION Delete the XXXX XXXX account immediately under I6B3 deletion compliance procedures.

Provide a written statement confirming deletion and the date/time of database removal.

Produce all audit trail and evidentiary materials described above within 15 days of receipt of this letter. 

Preserve all logs, transmissions, and internal documentation related to this account for potential legal discovery. 

VI. RESERVATION OF RIGHTS This notice constitutes formal evidence of dispute escalation. I reserve all rights to pursue statutory, compensatory, and punitive damages, as well as attorneys fees, under 15 U.S.C. 1681n, 1681o, and 1681s-2 ( b ) for willful and negligent violations should Experian fail to comply.

Company response to consumer: Closed with non-monetary relief