Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Re : Formal Demand for Deletion of Inaccurate, Unverified, and Unlawfully Reported Accounts under FCRA, XXXX U.S.C. XXXX et seq. 

Dear Credit Bureau XXXX Department, I am exercising my rights under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX, XXXX ( b ) and XXXX U.S.C. XXXX ( FDCPA ) to dispute inaccurate, incomplete, and unverified information currently appearing on my consumer reports. 
Upon review of my recent credit reports dated XX/XX/XXXX from TransUnion, Equifax, and Experian, I found multiple accounts reporting late payments, charge-offs, and collection activity that I do not recognize as accurate, verifiable, or in compliance with federal law. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reporting multiple late payments ( XXXX, XXXX ) without proof of proper notice or validation. 


XXXX  Auto Loan ( TU ) reporting severe delinquency history ( XXXX, XXXX, XXXX ) without validation. 


XXXX XXXX  Charge Account ( TU ) status Charge-off, {$1000.00} past due, in violation of XXXX ( b ) accuracy requirements. 


XXXX University XXXX XXXX ( TU ) status Placed for collection without providing a signed agreement or itemized statement per XXXX U.S.C. XXXX ( b ). 


XXXX XXXX XXXX Collection Account ( XXXX & XXXX ) {$1000.00} allegedly owed to XXXX ; no signed contract or verifiable proof provided. 



Legal Grounds for Dispute and Demand for Deletion : FCRA XXXX ( b ) You are required to maintain maximum possible accuracy. Any unverifiable, incomplete, or inaccurate entry must be corrected or deleted. 


FCRA XXXX ( a ) Upon receipt of this dispute, you have XXXX  days to investigate, delete, or correct all information that can not be verified. 


FCRA XXXX ( a ) ( XXXX ) If the disputed information is found inaccurate or unverifiable, it must be deleted from my credit file. 


XXXX U.S.C. XXXX ( b ) ( FDCPA ) Collection accounts must be validated with a signed agreement, itemized statement, and full chain of assignment. 


FCRA XXXX ( a ) Data furnishers are prohibited from reporting information they know, or should know, is inaccurate. 



My Demand : Delete the above-listed late payment history, charge-offs, and collection accounts from my credit files if they can not be 100 % verified with original, signed contracts, payment records, and proper notices. 


Provide me with an updated copy of my credit report upon completion of your reinvestigation. 


If you fail to comply within the statutory XXXX investigation period, you will be in direct violation of federal law, and I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX XXXX  ), the Federal Trade Commission ( XXXX  ) XXXX and considering civil action for damages under XXXX U.S.C. XXXX and XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation