Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally disputing and demanding the deletion of all derogatory accounts listed below on my Equifax credit report. Each of these tradelines was previously disputed, but Equifax marked them as verified without producing competent documentation. This practice is insufficient under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and violates the Illinois Consumer Fraud and Deceptive Business Practices Act, 815 XXXX XXXX  Derogatory Accounts Disputed XXXX. XXXX XXXX Account XXXX. XXXX Reported XXXX late payment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as charge-off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off, repossession noted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charged off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off ( balance ~ {$46000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit card, charged off ( balance {$260.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off ( balance ~ {$21000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, charged off ( original ~ {$10000.00}, sold to debt buyer ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( unpaid balance {$1200.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( unpaid balance ~ {$41000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( unpaid balance ~ {$32000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unpaid balance {$10000.00} ). 
XXXX  Legal Grounds and Demands Federal Law ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 1 ), Equifax must conduct a reasonable reinvestigation of disputed items. Simply parroting furnishers responses via automated systems like e-OSCAR is inadequate. 
Under 1681i ( a ) ( 5 ), any information that is inaccurate or can not be verified must be deleted promptly. 
Under 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine accuracy, including the name, address, and telephone number of each furnisher contacted. 
XXXX XXXX XXXX XXXX XXXX  Consumer Fraud and Deceptive Business Practices Act XXXX XXXX XXXX XXXX  ) prohibits unfair or deceptive practices. Reporting debts as verified without original evidence misrepresents their legitimacy and constitutes a deceptive business practice under Illinois law. 
Illinois grants consumers remedies, including injunctive relief and attorney fees, against companies that misrepresent or fail to substantiate consumer credit data. 
XXXX  Required Action For each of the above accounts, Equifax must : XXXX. Produce Original Documentation Original signed loan agreements, contracts, or judgments ; complete payment histories ; and records substantiating each account.

2. Identify Method of Verification State whether verification was performed by a human reviewing original evidence or by automated means. Identify the contact person and department at the furnisher. 
XXXX. Delete Unverifiable Items If original documentation can not be produced, the account must be deleted immediately as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXX

Company response to consumer: Closed with explanation