Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a formal dispute and demand for reinvestigation, verification, correction, or deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ; the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ; Consumer Financial Protection Bureau Regulation V ( 12 C.F.R. Part 1022 ) ; and corresponding state consumer-credit laws including, but not limited to, Cal. Civ. Code 1785.16 et seq., Tex. Bus. & Com. Code 20.01 et seq., N.Y. Gen. Bus. Law 380-j.

I dispute every item listed below as inaccurate, incomplete, and/or unverifiable. Any investigation that is conducted or closed without my participation or without documentation from the original creditor constitutes a false investigation in violation of FCRA 611 and CFPB Reg V 1022.43. 

Subject : Formal Dispute Demand for Reinvestigation, Verification & Deletion Items in Dispute # Creditor / Furnisher Account # Current Status Dispute Reason 1 Dept of Education / XXXX  XXXX Installment Open / Pays as agreed ( other bureaus show past-due 150 days ) Inconsistent payment status and dates ; no documentation of delinquency. 
XXXX XXXX / XXXX XXXX Installment Open / Current, was past due 150 days Conflicting payment records and dates of last activity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Charge-off Balance {$0.00} but still listed as charged-off ; no chain-of-title. 
XXXX XXXX XXXX XXXX XXXX XXXX Revolving Charge-off / Closed Duplicate entry under different number ; violates 607 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX Revolving Collection Balance inflated ; original creditor shows {$0.00} due. 
XXXX XXXX XXXX XXXX XXXX XXXX Revolving Charge-off Open date and payment status inaccurate ; no signed agreement on file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Revolving Charge-off Duplicate report by XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Collection No validation or assignment documents produced. 
XXXX XXXX XXXX XXXX ( XXXX. : XXXX XXXX XXXX  XXXX. ) XXXX Collection / Charge-off No bill of sale or proof of ownership. 
XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX and dates conflict across bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Revolving Charge-off No consumer authorization or signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Revolving Charge-off Potential identity error ; no validation. 
XXXX XXXX XXXX XXXX XXXX XXXX Open Current Reported charged-off elsewhere without cause. 
XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX Open Current No consumer notice prior to negative reporting. 

Applicable Law and Violations Cites : FCRA 602A, 603, 604, 605B, 607 ( b ), 609 ( a ) ( 1 ), 610 ( a ), 611 ( a ) ( 1 ) ( 8 ), 615, 616, 617, 623 ( a ) ( 1 ) ( 7 ) ; FDCPA 807, 808, 809 ; CFPB Reg V ( 12 C.F.R. Part 1022 ) ; and state consumer-credit acts.

Specific Demands 1. Conduct a complete, reasonable reinvestigation for each item under FCRA 611.

2. Provide the method of verification, name and contact info of each furnisher, and copies of all verifying documents ( signed contracts, assignments, statements ).

3. Delete immediately any item that can not be verified within 30 days ( FCRA 611 ( a ) ( 5 ) ( A ) ). 
4. Notify all recipients of corrections or deletions as required by 611 ( d ).

Late-Payment Notations For every account reflecting late, past due, or other derogatory payment history, I dispute the accuracy of those notations. If the furnisher can not produce contemporaneous, dated records proving each alleged late payment, you must delete the delinquency data and update the account to show Pays as agreed / Never late. Continued reporting of unverified delinquencies violates FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ) and constitutes willful or negligent non-compliance under 616617. 

Notice of Potential Liability Under 15 U.S.C. 616617, any willful or negligent failure to comply with the FCRA and related laws may result in liability for actual, statutory, and punitive damages, plus costs and attorney fees. 
I reserve all rights to pursue such remedies for non-compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation