Consumer complaint received 2025-10-18 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: VA

Complaint narrative:
Prohibition of Reinsertion & Notice of Civil Liability From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ( Last 4 Digits ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : LEGAL DISPUTE DEMAND FOR PROOF, VALIDATION, VERIFICATION & REINSERTION BAN Accounts in Dispute : XXXX XXXX XXXX XXXX {$220.00} XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXX {$650.00} XXXXXXXX XXXX XXXX$770.00} Dear Credit Bureau XXXX XXXX, I am submitting this formal dispute, validation, and verification demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). The accounts listed above are inaccurate, unverifiable, and improperly reported. I am demanding full proof, validation, and verification of each account before any continued reporting, as required by federal law.

I. VALIDATION & VERIFICATION DEMAND Under FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I am requesting that each data furnisher and collection agency provide complete verification and documentary evidence proving the accuracy and ownership of the alleged debts.

You must produce : A copy of the original signed contract or agreement bearing my signature.

A complete payment history and itemized accounting showing how the balance was calculated.

Proof of ownership or assignment demonstrating legal right to collect and report the account.

The name, address, and contact information of the original creditor.

All records of any prior disputes, verifications, or reinvestigations related to these accounts.

If such documentation can not be produced, these accounts must be deleted immediately from my credit file under FCRA 611 ( a ) ( 5 ) ( A ).

II. PROHIBITION OF REINSERTION You are hereby notified that these accounts may not be reinserted into my credit report once deleted, unless strict compliance with FCRA 611 ( a ) ( 5 ) ( B ) is followed, including : Written certification from the furnisher that the information is accurate ; and Written notice to me within 5 business days of reinsertion.

Failure to follow this process is a willful violation of federal law and subjects all parties to civil liability under FCRA XXXX. 

XXXX. CASE LAW SUPPORTING MY REQUEST XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Credit bureaus can not simply rely on the furnishers verification ; they must perform an independent investigation. 

XXXX v. XXXXXXXX XXXX  190 F. Supp. 2d 81 ( D. Mass. 2001 ) Reinserting deleted information without consumer notification violates the FCRA. 

XXXX XXXX XXXX, XXXX, 520 F.3d 1066 ( 9th Cir. 2008 ) Reporting unverifiable debts constitutes willful noncompliance. 

XXXX v. XXXX XXXX XXXX, 257 F.3d 409 ( 4th Cir. 2001 ) Furnishers are liable when they fail to verify data accuracy before reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX, 936 F.2d 1151 ( 11th Cir. 1991 ) Credit bureaus must delete unverifiable information.

IV. FORMAL NOTICE OF LIABILITY If you or the furnishers continue to report these accounts without proper verification, it will constitute willful noncompliance with the FCRA and FDCPA. 
You will be subject to : Statutory damages of {$1000.00} per violation Actual damages including harm to credit, emotional distress, and financial losses Attorneys fees and costs pursuant to FCRA 616617 and FDCPA 813 V. REQUIRED ACTIONS Conduct a full reinvestigation within 30 days of receipt of this dispute.

Provide written proof, validation, and verification from each data furnisher.

Delete all unverifiable or inaccurate accounts immediately.

Do not reinsert deleted items without full compliance with FCRA 611 ( a ) ( 5 ) ( B ).

Send written confirmation of deletions or verification findings to me at the address above. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief