Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX XX/XX/XXXX To : Experian XX/XX/4500TransUnion XX/XX/2000 Equifax XX/XX/7402Subject : Section XXXX ( a ) Request for Full Validation and Verification of Reported Accounts Dear Credit Bureau Representative, This letter serves as a formal request under Section 609 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) for full disclosure and verification of all information you have on file regarding the following accounts appearing on my credit report. 

After careful review of my credit reports, I have identified accounts that appear to be inaccurate, incomplete, or unverifiableXX/XX/ 

I am requesting complete documentation and proof that you are legally authorized to report and maintain these items in my credit file. 
LEGAL BASIS UNDER SECTION 609 ( a ) FCRA Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), I have the right to obtain all information in my consumer file at the time of this request, including but not limited to : The source of each item of information you have in my file ; The name and address of each person, company, or entity that furnished such information ; Copies of any contracts, applications, or other documentation bearing my signature that verify I authorized the opening or reporting of each account ; The date of original delinquency, any transfer or sale of the account, and the current ownership or assignee ; The method of verification used in any prior dispute investigation ( if applicable ) ; and The permissible purpose for obtaining or sharing my credit file under FCRA 604.

Without the above documentation, the accuracy of the reported data can not be verified, and as such, the accounts must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

WHAT THIS REQUEST REQUIRES FROM YOU Within 30 days of receiving this letter, please provide : A full consumer file disclosure under Section 609 ( a ), The complete verification documents described above, and The results of your reinvestigation or deletion notice if any account is unverified.

If you can not produce original source documentation from the furnishers proving the lawful reporting and ownership of these accounts, you must delete them from my credit report and send me a written confirmation of such action. 

NOTICE OF LIABILITY FOR NONCOMPLIANCE Failure to comply with this request will be considered willful noncompliance under FCRA 616, and I will pursue the following remedies : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the North Carolina Attorney Generals Office ; and Initiating civil action for statutory, actual, and punitive damages as provided under FCRA 616617.

This is a lawful request for information and verification under federal statute, not a frivolous dispute. 

IN SUMMARY Please either : Provide full validation and source documentation for all items listed above, or Permanently delete all unverifiable or unsubstantiated accounts from my credit report. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX

Company response to consumer: Closed with explanation