Consumer complaint received 2025-06-10 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, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Dispute & Demand for Full Deletion of All Negative Items Due to Equifax Score Miscalculation and FCRA Violations To Whom It XXXX Concern, This letter serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) for the immediate deletion of all negative items reporting on my Equifax credit file. 
Background Equifax Credit Scoring Flaw Equifax has publicly acknowledged that due to a coding issue, credit scores were miscalculated and provided to lenders, affecting millions of consumers. According to news reports and XXXX own statements : The flaw impacted how some credit scores were calculated Many consumers were wrongfully denied credit or charged higher interest rates The error affected mortgages, auto loans, and credit card decisions While the underlying tradelines XXXX have been unchanged, the score output misrepresented consumers and directly impacted lending outcomes This is a direct violation of your legal obligation to maintain maximum possible accuracy under FCRA XXXX ( b ) and your duties as a data handler under the XXXX XXXX Format and XXXX XXXX. 
Legal Basis for Deletion of Negative Items XXXX. FCRA 1681e ( b ) Maximum Possible Accuracy Your coding error caused false or misleading risk representation to third parties. This violated your duty to ensure maximum possible accuracy. 

XXXX. FCRA 1681i Right to Dispute & Reinvestigation I am disputing all negative information as inaccurate, unverifiable, and harmful due to flawed output. Unless you provide proper verification, items must be deleted. 

XXXX. XXXX XXXX / CDIA Violations All reporting must follow XXXX XXXX compliance including correct status codes, balances, dates, and responsibility fields. Any deviation or omission requires deletion. 

XXXX. FCRA 1681n / 1681o Civil Liability for Willful or Negligent Noncompliance Due to Equifaxs miscalculation and continued publication of misleading data, I reserve the right to pursue civil damages, including compensation for credit denials and financial harm. Despite the removal of these negative items, my credit score has not changed in accordance with the positive adjustments made to my file. Conversely, when a late payment or an over-limit notation appears, my score is immediately and significantly reduced. This shows a clear imbalance and suggests systemic negligence or manipulation, which violates your duty under federal law. 





Actions Demanded Delete all negative items, including : Late payments XXXX XXXX Account # XXXX : XXXX Charge-offs  Any derogatory remarks XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX : Narrative Code : XXXX & XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX Narrative Code : XXXX, XXXX & XXXXXXXX XXXX / XXXX XXXX Account # XXXX Narrative Code XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Code : XXXX XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Account # XXXX Narrative Code : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX- Account # XXXX : Narrative XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX : Narrative Code : XXXX, XXXX & XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account # XXXX : Narrative Code : XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXXXXXX XXXX XXXX Account # XXXX : Narrative Code : XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX Account # XXXX : Narrative Code : XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX Account # XXXX : Narrative Code : XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX Account # XXXX : Narrative Code : XXXX & XXXX XXXX XXXX written response within 30 days If you verify any item, you must send : Full documentation from the furnisher XXXX XXXX field-level data Any contract or legal agreement proving liability ( e.g. XXXX promissory notes ) Documented Harm Because of your scoring flaw and negative reporting, I have been : Denied access to XXXX XXXX XXXX XXXX rates Exposed to financial and reputational harm Enclosures Photo ID Proof of current address Highlighted copy of Equifax credit report XXXX articles and CFPB statements regarding the scoring flaw Final Warning FTC Report # XXXX If you do not comply within 30 days, I will XXXX to : Arizona Attorney General Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX XXXX This dispute places you on formal notice. Any further inaction or misrepresentation XXXX result in litigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief