Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Second Notice Formal Dispute of Inaccurate Collection Account ( XXXX XXXX XXXX XXXX XXXX ) Under FCRA 609 and 611 Requirements To Whom It May Concern, I am submitting this letter as a formal follow-up dispute regarding the inaccurate and unlawful collection account reported by XXXX XXXX XXXX Associates for an alleged {$2200.00} debt originally associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This item is still appearing on my Equifax report despite the same account being fully deleted by XXXX  and XXXX after their investigations. I am demanding immediate reinvestigation and removal, as required by federal law. 

Account in Dispute : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX Amount : {$2200.00} Reported : XX/XX/XXXX Status : Open, Derogatory Reason for Dispute : Legally inaccurate, unverified, and the alleged debt is the result of a XXXX explosion and property loss on XX/XX/XXXX, which forced me to vacate my residence. 

Background of the XXXX XXXX XX/XX/XXXX, a major underground explosion occurred at my residence, caused by XXXX equipment failure, resulting in a full loss of property and forced displacement. This incident was investigated with the involvement of the XXXX XXXX XXXX, and I suffered total loss of all belongings. Given that this damage originated from XXXX  own infrastructure issues, any resulting charges or debts tied to that property are not legally my responsibility. 

My Position Under the Law Under FCRA 609 ( a ) and 611 ( a ), I have the right to request an investigation and the right to receive only verified, accurate, and complete information in my credit file. This account fails all three requirements : The debt is disputed and legally unenforceable because it was caused by XXXX  negligence and the destruction of my residence. 

The furnisher can not validate this debt, as shown by both XXXX  and TransUnion already removing it after reinvestigation. 

Equifax is required by FCRA 611 ( a ) ( XXXX ) to delete any item that can not be verified with legally sufficient documentation. 

Furthermore, reporting an account that can not be validated constitutes willful and negligent non-compliance under FCRA 616 and 617, which exposes both Equifax and the furnisher to statutory damages. 

Required Action I am demanding the immediate deletion of this account from my Equifax credit file. 
Since this account has already been removed from both XXXX  and XXXX, it is clear that the item can not be verified and should not remain on my Equifax report. 

I request the following : Immediate deletion of the XXXX XXXX XXXX / XXXX collection account. 

A new updated copy of my Equifax credit report showing the account removed. 

Documentation used to verify this account, as required by FCRA 609. 

If Equifax continues to report this unverifiable account, I will escalate the matter to : The Consumer Financial Protection Bureau ( CFPB ) The XXXX  Attorney General The FTC My personal legal counsel Please complete your investigation and deletion within the required XXXX window and mail the updated results to the address above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief