Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
This letter serves as a formal Notice of Dispute regarding the inaccurate, outdated, unverifiable, and unauthorized information appearing on my credit report. I am writing in response to your correspondence dated [ insert date of their response ], which I received through the CFPB Complaint Portal. Your investigation results fail to adequately address the issues raised in my initial dispute and do not comply with your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a. 
Specific Disputes and Concerns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : Your response states that this item has been verified as belonging to me and that certain fields have been modified. However, you have not provided any evidence or documentation to substantiate the accuracy of the reported information. The account opening date and late payment notations remain incorrect and exceed the permissible reporting period under 15 U.S.C. 1681c ( a ) ( 4 ). Additionally, no written authorization was provided for the reporting of this account, violating the Privacy Act of 1974, 5 U.S.C. 552a ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : While you claim that this account has been updated, the delinquent payments reported were resolved prior to the reporting period. The continued inclusion of this inaccurate information violates 15 U.S.C. 1681e ( b ), which requires " maximum possible accuracy '' in consumer reports. Furthermore, the furnisher has failed to provide verification of the debt, as required under 15 U.S.C. 1692g ( b ). 
XXXX XXXX XXXX : Your response asserts that this item is reported correctly, yet no evidence or documentation has been provided to substantiate the total balance owed. The furnisher has failed to validate the debt despite multiple requests, violating 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1022.21 ( c ). Additionally, the continued reporting of unverifiable information violates 15 U.S.C. 1681c-2, which mandates the blocking of disputed items stemming from identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) : While you state that this item is not currently reporting on my Equifax credit file, I demand written confirmation that this account has been permanently removed and will not reappear on my credit report in the future.

Legal Basis for Dispute : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to ensure " maximum possible accuracy '' of information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishers from providing inaccurate or unverified information.

15 U.S.C. 1681c ( a ) : Limits the reporting of certain derogatory information to seven years.

15 U.S.C. 1681b : Restricts consumer reporting agencies from adding items to a report without written consent.

Privacy Act of XXXX  ( 5 U.S.C. 552a ) : Protects again
st unauthorized disclosure of personal information, including consumer reports.

15 U.S.C. 1692g : Establishes the right to debt validation by furnishers.

Company response to consumer: Closed with non-monetary relief