Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : Formal Dispute and Demand for Investigation and Deletion Under FCRA To Whom It May Concern, This letter is a formal dispute regarding the accuracy and legality of the following item ( s ) listed on my XXXX credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 2 ) ( B ), and 1681i ( a ) ( 5 ) ( A ).

Disputed Item ( s ) : XXXXXXXX XXXX-OPENED XX/XX/XXXX, 2024-BALANCE {$240.00} XXXX XXXX XXXX-OPENED XX/XX/XXXX, XXXX BALANCEZ {$360.00} XXXXXXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXXBALANCE {$540.00} XXXX XXXX XXXX-OPENED XX/XX/XXXX, XXXXBALANCE {$3600.00} XXXXXXXX XXXX XXXX-OPENED XX/XX/XXXX, XXXXBALANCE {$7900.00} XXXX XXXX-OPENED XXXX XXXXBALANCE {$92000.00} XXXX XXXX-OPENED XXXX XXXX-BALANCE {$3900.00} XXXX XXXX-OPENED XX/XX/XXXX, XXXX BALANCE {$2200.00} XXXX XXXX-OPENED XX/XX/XXXX, 2024-BALANCE {$6400.00} XXXX XXXXXXXX XXXX-OPENED XXXX XXXX, XXXX BALANCE {$54000.00} I hereby dispute the validity and legal accuracy of this account. I am requesting that a complete and lawful investigation be conducted, and I am demanding that you : 1. Furnish a copy of the original application or contract that bears my original wet signature not an electronic or digital signature, not screenshots, and not summaries or screenshots from internal systems.

2. Validate that this account was lawfully reported and is 100 % verifiable, including the chain of custody and all required documentation under federal law.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute, a consumer reporting agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is accurate.

Under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), XXXX  must forward all relevant information to the furnisher of the disputed data within 5 business days of receiving this dispute.

Furthermore, according to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the information is found to be inaccurate, incomplete, or can not be verified, XXXX  must promptly delete or correct that item in my credit file.

Y

ou are hereby put on notice that you have 14-30 days from receipt of this letter to perform a full and lawful investigation. If the account can not be fully verified with legally admissible and original documentation, it must be permanently deleted from my credit report.

Failure to comply with this demand will result in the following actions : A formal complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ) A formal complaint will be filed with the State Attorney Generals Olice Civil litigation may be pursued under the FCRA, and you may be liable for {$1000.00} per violation, as well as punitive damages, court fees, and costs. 

XXXX is not above the law. The burden of proof lies on you to prove this accounts accuracy and lawfulness. If you can not furnish legally sulicient evidence including original signed documentation, this item must be deleted without delay or malice. 
This matter should be handled with the utmost urgency. Please respond in writing with the results of your investigation within the timeframe allotted by law.

Company response to consumer: Closed with explanation