Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Upon my comprehensive review of my consumer credit file you maintain, I have identified multiple egregious violations of Federal Law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as violations of XXXX XXXX data reporting standards. Your continued reporting of inaccurate, unverifiable, and legally deficient information demonstrates willful non-compliance with your legal obligations. 

VIOLATIONS & DISPUTE SUMMARY : 1. Personal Information Errors : Incorrect DOB : XX/XX/year> Reporting inaccurate personal identifiers violates FCRA 1681e ( b ), which requires maximum possible accuracy of all data furnished. 

2. Unverified and Unsubstantiated Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Erroneous Collections Reporting : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. Improperly Reported Loan Transfers : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your reporting of transferred or deferred accounts without irrefutable documentation confirming the full chain of custody, contractual obligations, ownership, and permissible purpose constitutes reckless reporting in violation of : FCRA 1681b ( No permissible purpose / unauthorized access ) FCRA 1681s-2 ( b ) ( Failure to investigate and correct inaccurate information ) XXXX XXXX Reporting Standards ( Field Level Compliance Violations ) 15 U.S.C. 1681e ( b ) ( Failure to ensure maximum possible accuracy ) 15 U.S.C. 1681n & 1681o ( Civil liability for willful and negligent non-compliance ) I am demanding under FCRA 609 ( a ) ( XXXX ) and pursuant to XXXX XXXX guidelines that you provide full verification, including : Full chain of title for each alleged debt Original application bearing my live wet signature Full account ledgers documenting balances, payments, charge-off dates, and ownership Permissible purpose for all inquiries and furnishing Complete data furnishing audit trail per XXXX  XXXX standards Failure to provide complete documentation within 30 days constitutes a violation of FCRA 611 ( a ), triggering mandatory deletion under federal law.

FORMAL DEMAND : I am formally demanding that you DELETE these unverifiable, inaccurate, and non-compliant accounts immediately from my credit report to ensure full compliance with Federal Law. Should you fail to act, I reserve my right to escalate this matter via formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX XXXX XXXX  ), and pursue private civil litigation for damages, statutory penalties, and attorney 's fees pursuant to FCRA 1681n.

This is your formal notice of dispute and demand for immediate permanent deletion.

Company response to consumer: Closed with non-monetary relief