Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$530.00} charge-off with XXXX XXXXXXXX XXXX XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages.

To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$530.00} charge-off with XXXX XXXX XXXX XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages.

To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) XXXX. Any additional supporting documentation

Company response to consumer: Closed with explanation