Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : [ Insert Todays Date ] To : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Notice of Dispute Under the Fair Credit Reporting Act ( FCRA ) Report Reference Number : XXXX Date of Report : XX/XX/XXXX Dear Credit Bureau Representative, This letter serves as a formal legal notice and demand for deletion of all inaccurate, unverified, obsolete, and misleading information appearing on my credit report referenced above.

Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required by law to conduct a reasonable reinvestigation of each disputed item and remove any entry that can not be verified with documented, original proof from the furnisher of information. 

I Dispute the Following Items : All derogatory accounts, including but not limited to collections, charge-offs, late payments, and negative tradelines reported without full verification. 

Any and all incorrect personal information, including outdated or mismatched addresses and employment data. 

These accounts are inaccurate, incomplete, and unverifiable and therefore must be deleted immediately pursuant to FCRA 602A, 607 ( b ), and 611 ( a ). 

XXXX XXXX and XXXX XXXX XXXX This XXXX XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that a credit bureaus reinvestigation must be more than a mere parroting of information received from creditors. Failure to conduct an independent verification violates FCRA 611. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A credit bureau may be held liable for willful noncompliance if it fails to correct or delete inaccurate data after a consumer dispute. 

XXXX XXXX Equifax Credit Information Services , Inc., XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) The court ruled that inaccurate reporting constitutes a violation of the FCRA even if the furnisher fails to correct it. 

XXXX v. Experian Information Solutions XXXX Inc., XXXX XXXX XXXX. XXXX XXXX ( S.D.N.Y. XXXX ) Failure to properly reinvestigate disputed items subjects the bureau to compensatory and punitive damages. 

My Demands Under Federal Law Conduct a complete and independent reinvestigation of every negative or inaccurate item on my credit report.

Delete or correct any item that can not be fully verified with original, documented evidence from the furnisher.

Provide a written response within 30 days of receipt of this letter as required by FCRA 611 ( a ) ( 1 ) ( A ).

Send an updated copy of my credit report reflecting the results of your investigation.

Failure to comply will result in immediate filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office, as well as consideration of civil action for statutory damages under FCRA 616 and 617.

Notice of Intent Be advised that continued reporting of inaccurate information after formal dispute constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, exposing your agency to damages, attorneys fees, and potential punitive liability. 

Sincerely, _________________________ XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( last four ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation