Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX  DC XXXX Re : Dispute of Account Deletion from XXXX Report Request for Removal from Other Credit Reports Dear Sir/Madam, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) that a charge-off account for {$6700.00} from XXXX XXXX XXXX, which appeared on my XXXX Secondary Credit Report, was successfully disputed and deleted as of XX/XX/year>. The account was completely removed from my XXXX credit file after their investigation confirmed the account 's inaccuracy or unverifiability. 
Given that XXXX has deleted this account from my report, I respectfully request that the three major credit reporting agenciesEquifax, XXXX, and XXXXimmediately remove the same unverifiable charge-off account from my credit reports, as this information is now confirmed to be inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, if a disputed account can not be verified as accurate within a reasonable period, it must be removed from your credit report. Since XXXX has already deleted this account due to its unverified status, it is now imperative that Equifax, XXXX, and XXXX follow suit and remove this account from my credit file within 30 days from the receipt of this notice. 
Please be aware that I am entitled to protection under the following consumer laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : The FCRA mandates that if information on a consumers credit report is disputed and can not be verified within 30 days, the information must be deleted or corrected. As XXXX has deleted this unverifiable account, I assert that it is now the responsibility of Equifax, XXXX, and XXXX to do the same. 


Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : Under the FDCPA, debt collectors and credit reporting agencies are prohibited from reporting unverifiable or inaccurate information, as doing so constitutes a violation of consumer rights.

Right to Sue for Non-Compliance : If this unverifiable account is not removed from my credit report within 30 days of receiving this notice, I reserve my right to take legal action under the FCRA. I may pursue claims for statutory damages, actual damages, attorney 's fees, and other remedies as allowed by law. 


I urge Equifax, XXXX, and XXXX to comply with my request and remove this inaccurate information promptly. Failure to act within the time frame specified could result in further legal action to enforce my consumer rights. 
Please send me a written confirmation that this charge-off account has been removed from my credit reports, or provide an explanation if further action is required. Should you require any additional information or documentation to facilitate this request, please let me know. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation