Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Final Notice of FCRA Violation Demand for Immediate and Permanent Deletion of Inaccurate XXXX by XXXX XXXX Account To Whom It May Concern, This letter serves as final notice to all consumer reporting agencies listed above that you are in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., with respect to the XXXX by XXXX XXXX account being inaccurately reported on my credit file. 

I have submitted disputes stating clearly that : I have no knowledge of ever opening or maintaining a XXXX by XXXX XXXX account ; and I dispute any and all alleged delinquencies or payment history associated with it. 

Each of you has responded that the account was verified as accurate, yet I have not received any concrete evidence to support such a claim. Accordingly, as authorized under XXXX XXXX. XXXX ( a ) ( XXXX ), I demanded the method of verification, specifically requesting : The name, phone number, and department of the individual or entity with whom you verified the information ; The date and time of that verification ; All documents, account records, and signed contracts used to confirm that I am legally responsible for this account. 

Let me be absolutely clear : Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), you are legally required to provide this information to me within XXXX ( XXXX ) business days of receiving the request. That deadline has passed, and I have not received the documents mandated by law. 

Even more importantly, XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) states : " If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer ... '' This means that if you can not verify the information with proper documentation, you are legally obligated to delete it from my credit file. Not only must it be deleted the law further allows for it to be permanently blocked from future reinsertion or re-reporting, unless the furnisher provides certified documentation of its accuracy, as required by XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 

I must also emphasize : Third-party sources such as other credit bureaus can not be used to verify this information. 

XXXX systems like e-OSCAR do not meet the standard of a reasonable reinvestigation under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 

This position is upheld in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court ruled that parroting the furnishers response without independent verification violates the FCRA. 

By failing to comply with these statutes, you are now in violation of : XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ) ( failure to conduct a reasonable reinvestigation ) ; XXXX ( a ) ( XXXX ) ( A ) ( B ) ( failure to delete unverifiable information and prevent reinsertion ) ; XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ( failure to provide verification within XXXX business days ) ; XXXX ( b ) ( failure to ensure maximum possible accuracy ). 

These violations entitle me to seek legal remedies under XXXX XXXX. XXXX and XXXX, including : Statutory damages of up to {$1000.00} per violation ; Actual damages ; Punitive damages for willful noncompliance ; and Attorneys fees and court costs. 

DEMAND : I am hereby demanding that each credit bureau : Immediately delete the XXXX by XXXX XXXX account from my credit report ; and Permanently block any and all future attempts to reinsert or report the account, in accordance with FCRA XXXX ( a ) ( XXXX ) ( B ). 

Failure to take these actions will leave me no choice but to initiate legal proceedings and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

You are now formally on notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation