Consumer complaint received 2025-11-02 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: FL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Subject : FINAL NOTICE DEMAND FOR DELETION OF UNVERIFIED ACCOUNTS AND OBSOLETE ADDRESSES Re : Updated Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax XXXX Department, This correspondence serves as my final written demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Consumer Financial Protection Act, for immediate and permanent deletion of the following unverifiable and inaccurate entries, and removal of obsolete addresses from my credit file. Continued reporting of these items is causing severe emotional distress and financial hardship, including but not limited to difficulties obtaining credit, housing, and fair financial treatment. Continued reporting of these inaccurate accounts may also constitute willful noncompliance and exposes Equifax to statutory liability under FCRA 616617. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$380.00} XXXX XXXX XXXX has confirmed in writing that : It does not own the alleged account ; It never purchased the debt ; It ceased all collection activity ; and It deleted information previously furnished to credit bureaus. 

Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), once a furnisher confirms deletion, Equifax must promptly and permanently remove the item from my file.

Any continued display or re-reporting of this account is causing financial hardship and emotional distress, and would be a willful violation under FCRA 616617 and an unfair practice under 15 U.S.C. 45 ( a ) ( 1 ).

Cease and Desist Notice : Pursuant to FDCPA 805 ( c ), XXXX XXXX XXXX is directed to cease and desist all communication and reporting regarding this alleged account. No information may be furnished or re-furnished to any consumer reporting agency. 



XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$640.00} The only documentation provided was a final billing statement, which does not satisfy legal debt validation under FDCPA 809 ( b ) or 15 U.S.C. 1692g ( b ).

No signed contract, itemized statement, or chain-of-assignment proving ownership or authorization to collect has been produced. The account may have been illegally sold or transferred without my knowledge or consent, which violates FDCPA 809 ( a ) & 809 ( b ) and 1692f ( 1 ) regarding unfair or unauthorized collection practices.

Reporting this unverifiable, illegally transferred debt continues to cause financial harm and emotional distress, interfering with my ability to secure housing, credit, and financial stability. 

Under FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted immediately, not merely marked as disputed. I demand Equifax remove this entry entirely within 30 days of receipt or provide full verification, including : Name and contact information of the individual who verified the debt Method used for verification Copies of all documentation relied upon to validate the debt 3. Outdated and Undeliverable Addresses Please delete all obsolete addresses below under FCRA 609 ( a ) ( 1 ) and 607 ( b ), as continued reporting of old addresses contributes to confusion, potential identity risk, and ongoing financial/emotional harm : XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX My only current and correct address : XXXX XXXX XXXX, XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief