Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am disputing certain inaccurate and incomplete items appearing on my credit report. While applying for employment and housing, I was notified of negative items reporting under my file. These entries are inaccurate, and their continued reporting has already caused adverse action against me, including denial of employment opportunities. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights and demanding that these items be investigated, corrected, or removed. 

Disputed Accounts 15 U.S.C. 1681e ( b ) Duty to Ensure XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Adverse Action & Legal Basis Under 15 U.S.C. 1681a, Section 603 ( k ) ( 1 ) ( B ) ( ii ), denial of employment due to credit reporting qualifies as an adverse action.

Under 15 U.S.C. 1681m, adverse action notices must be based on accurate information. The denial of employment I experienced, based on these disputed entries, is unlawful if the information is unverified or inaccurate. 



Debt Validation Request ( FDCPA ) Pursuant to 15 U.S.C. 1692g, I am formally requesting validation of any alleged debt you claim I owe. Specifically : Proof you are legally authorized to collect this debt ( contracts, assignments, or agreements ). 


Detailed accounting of the debt, including a breakdown of the balance. 


Proof I am the correct debtor, including signed agreements or contracts bearing my signature. 


If you can not produce signed documentation demonstrating my legal obligation, you must delete these items from my credit file. 

Relevant Case Law XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Debt collectors must validate debts upon request and cease collection until proper validation. 


XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) If a debt is not validated, collection can not continue. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Debt collectors must provide accurate, complete information when validation is requested.

Enforcement Rights Under 15 U.S.C. 1681p, I have the right to bring a civil action in federal court within the statute of limitations for violations of the FCRA.

Under 28 U.S.C. 1331, federal courts have jurisdiction over civil actions arising under federal law, including the FCRA and FDCPA.

Final Notice You are required to complete this reinvestigation within 30 days as provided under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I also demand a detailed Method of Verification. I do not consent to automated verification methods such as E-OSCAR. 
Failure to comply will leave me no choice but to escalate this matter with legal counsel and pursue remedies under both the FCRA and FDCPA. 
I am sending this letter certified mail to preserve my rights. Please respond in writing. 
Sincerely, Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief