Consumer complaint received 2024-11-10 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX [ Todays Date : e.g., XX/XX/XXXX ] Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Legal Demand for Immediate Removal of Erroneous Account Information Intent to Sue for Damages Under FCRA, UCC, IRS, and Other Applicable Laws Account Numbers : XXXX and XXXX Dear Equifax Dispute Department , This letter serves as a formal demand to remove the inaccurate and conflicting information on the above-referenced accounts within my Equifax credit report. These entries are erroneous and do not comply with established legal standards, including FCRA guidelines, IRS regulations on debt cancellation, Uniform Commercial Code ( UCC1 ) protections, and the XXXX XXXX reporting format. If these errors are not corrected within the 30-day period as required, I intend to pursue legal remedies, including a lawsuit demanding damages of {$1000.00} per violation, as permitted by federal law. 
Basis for Removal and Demand for Compliance FCRA Violations : The entries contain inconsistencies in account statuses ( " Transferred '' vs. " Open '' ) and reporting dates that fail to reflect accurate consumer credit information, violating 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to maintain maximum possible accuracy. According to FCRA Section 611, the failure to correct or adequately investigate disputed information constitutes non-compliance, as upheld in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX XXXX Compliance Requirements : The conflicting statuses and dates violate XXXX XXXX standards that ensure consistent and accurate reporting. I request verification that these entries conform to XXXX XXXX guidelines or their immediate removal if compliance can not be confirmed. 

IRS Guidelines on Debt Cancellation : Reported as {$0.00} balances and marked Transferred, these accounts may represent canceled debt. Misreporting of such information without a proper IRS Form 1099-C filing may lead to misleading tax implications for me as the consumer.

Uniform Commercial Code ( UCC1 ) Consumer Rights : Under UCC1-308, I reserve my rights to demand verifiable proof of the debt. Per UCC1-103, I invoke my consumer rights regarding the fair substantiation of debts. If Equifax can not substantiate these entries with validated records, I demand their immediate removal.

Congressional Authority and Consumer Protection : Congress established the FCRA to ensure fair credit reporting. The continued reporting of inaccurate information directly contradicts this mandate, undermining my consumer rights. 

Request for Immediate Account Removal To avoid escalation, I request that Equifax remove the referenced accounts from my credit report entirely. I demand immediate deletion of these entries.

Notice of Intent to Sue If Equifax fails to comply within 30 days, I am prepared to file a formal complaint in small claims court for each violation of federal law. Per 15 U.S.C. 1681n and 1681o, I will seek {$1000.00} in statutory damages per violation. 

Please send written confirmation of the removal of these accounts within the statutory period. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation