Consumer complaint received 2025-07-07 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:
SUBJECT : FINAL NOTICE FORMAL DISPUTE UNDER FCRA, TILA, FDCPA, ECOA THIS IS MY FINAL WARNING BEFORE I FILE FORMAL COMPLAINTS AND LEGAL ACTION.

To whom it may concern, This is your FINAL WARNING before I initiate formal legal action against EQUIFAX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, due to your repeated failure to comply with legal requirements and your continued reporting of false and unverified information. 
Despite previous attempts to resolve this matter, you have responded with automated messages, refusing to investigate in good faith, and have continued reporting late payments that are inaccurate and damaging to my credit report. 
I am formally disputing the false and unverifiable XXXX late payments reported by XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. These entries appear on my Experian report despite the account being listed as Open and Current with a consistent payment amount of $ XXXX and no valid proof of delinquency. 

Account Details : Creditor : XXXX XXXX Account Type : Auto Lease Account Number ( last digits ) : XXXX * * * * * * Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Reported Late Payments : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Credit Bureaus Involved : Experian Payment Status : Current Monthly Payment : {$440.00} Payment Frequency : Monthly Legal Violations Committed : Failure to conduct a reasonable investigation FCRA 1681i ( a ) ( 1 ) ( A ) You are required by law to perform a real reinvestigation of any disputed item. Instead, you accepted the information without verifying its accuracy. 

Failure to provide method of verification FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) I have not received proof of how you verified the late payments. Without documented validation from XXXX XXXX, your claims are invalid. 

Lack of XXXX notice before reporting TILA XXXX The creditor was required to notify me at least XXXX days prior to reporting any late payment. I was never notified, which is a violation of the Truth in Lending Act. 

Use of XXXX system instead of manual investigation If this dispute was processed through XXXX, it does not constitute a real investigation. That system is known to rely on automated data sharing and lacks consumer protection standards. 

Credit damage and harm FCRA 1681n, 1681o Due to these inaccurate entries, I have suffered credit denials, increased interest rates, and emotional distress, for which I will seek full damages.

DEMANDS : 1 ) You now have XXXX calendar days from the date of this letter to : DELETE the XXXX late payments reported for XX/XX/XXXX and XX/XX/XXXX. 

2 ) PROVIDE documentation showing how the information was verified and what evidence was used.

3 ) CONFIRM IN WRITING that the inaccurate data has been permanently removed from my credit report. 

Failure to comply will result in : -A formal complaint filed with the CFPB, FTC , and XXXX Attorney Generals Office.

-A federal lawsuit under FCRA 1681n, seeking statutory and punitive damages. 
-Legal pursuit of actual damages caused by credit denials and financial loss. 

FORMAL REQUEST UNDER FEDERAL LAW : Under the Fair Credit Reporting Act, I am asserting my rights to : -A full manual investigation of the account in question.

-Immediate deletion of any unverifiable information per FCRA 1681i ( a ) ( 5 ) ( A ). 
-Proof that XXXX XXXX provided XXXX notice before reporting. 
-Confirmation that the dispute was not handled through E-Oscar. 

This is your FINAL NOTICE. No more delays. No more lies. No more automation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation