Consumer complaint received 2025-10-10 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: AL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for deletion of the following items from my credit report : Charge-off ( s ) Late payment ( s ) Closed account ( s ) Collections Following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These entries are inaccurate, unverifiable, and in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). I am asserting my rights under federal law and demanding immediate reinvestigation and removal of these items. 

-- - LEGAL BREAKDOWN : FCRA VIOLATIONS 1. 15 U.S. Code 1681a ( 2 ) Definition of Consumer Report The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

This means that original creditors can not legally report subjective experiences ( e.g., late payments, charge-offs ) to third parties as part of a consumer report. These internal experiences fall outside the scope of the FCRA and must not be shared with credit reporting agencies. If the derogatory information is based solely on the creditors experience with me, it is not legally reportable and must be removed. 

-- - XXXX. 15 U.S. Code 1681i Reinvestigation of Disputed Information Credit bureaus must conduct a reinvestigation within XXXX  days of receiving a dispute. If the information can not be verified, it must be deleted. 

I am demanding a full reinvestigation of the disputed items. If the furnishers can not provide third-party documentation verifying the accuracy of the information, you are legally obligated to delete it. 

-- - XXXX. 15 U.S. Code 1681g Disclosure of Information to Consumer Consumers have the right to request the sources and documentation used to verify reported information. 

I am requesting full disclosure of the documentation used to verify the disputed items. If you can not provide original signed contracts, payment records, or third-party verification, the items must be removed. 

-- - XXXX. 15 U.S. Code 1681s-2 Responsibilities of Furnishers Data furnishers must report accurate and complete information. Reporting unverifiable or outdated data is a violation. 

If the creditor can not prove the accuracy of the derogatory marks, they are in violation of this section. You must remove any item that is incomplete, inaccurate, or unverifiable. 

-- - XXXX. 15 U.S. Code 1681c Reporting of Obsolete Information Negative information such as charge-offs and late payments must not be reported beyond the allowable time frame ( typically XXXX  years ). 

If any of the disputed items exceed this limit, they are considered obsolete and must be deleted immediately. 

-- - DEMAND FOR ACTION I am demanding that you : XXXX. Conduct a full reinvestigation of the disputed items. 
XXXX. Provide documentation verifying the accuracy and legality of the reported information. 
XXXX. Delete any item that violates the FCRA, can not be verified, or falls outside the definition of a consumer report. 


This letter constitutes a formal dispute under the FCRA. Failure to comply may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation under 15 U.S. Code 1681n and 1681o, which allow for damages due to willful or negligent noncompliance. 

I expect written confirmation of the results of your investigation and any changes made to my credit report within XXXX  days.

Company response to consumer: Closed with explanation