Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I reviewed my credit report, and there are still accounts showing inaccurate information. I demand all accounts to be deleted from my credit report. ATTENTION DISPUTE DEPARTMENT Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : 1. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE OFF MY CREDIT REPORT 2.The date of last activity reported does not match what the original creditor has stated in previous communications. This discrepancy renders your reporting inaccurate and misleading. 
XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT XXXX. XXXX XXXX AGREED TO DELETE ALL DEROGATORY COMMENTS ONCE THE ACCOUNT WAS PAID IN FULL. AS YOU CAN SEE, THE ACCOUNT WAS PAID IN FULL. PLEASE DELETE ALL DEROGATORY COMMENTS AND ALLEDGE LATE PAYMENTS XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 4. Where is the contract bearing my signature, the itemized breakdown of the debt, and proof of legal obligation? You are reporting this without verifiable documentation .. You are legally required to provide more than summary information or unverifiable data. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * DELETE FROM CREDIT REPORT 5. According to FCRA 623, once an item is disputed, the furnisher must not report the item without noting it is disputed and must provide verifiable documentation to support the reporting. You are legally required to provide more than summary information or unverifiable data. You are currently in violation if no such proof exists. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT XXXX. Where is the contract bearing my signature, the itemized breakdown of the debt, and proof of legal obligation? You are reporting this without verifiable documentation .. You are legally required to provide more than summary information or unverifiable data. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * DELETE FROM CREDIT REPORT 7. Where is the contract bearing my signature, the itemized breakdown of the debt, and proof of legal obligation? You are reporting this without verifiable documentation .. You are legally required to provide more than summary information or unverifiable data. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * DELETE FROM CREDIT REPORT 8. Where is the contract bearing my signature, the itemized breakdown of the debt, and proof of legal obligation? You are reporting this without verifiable documentation .. You are legally required to provide more than summary information or unverifiable data. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * DELETE FROM CREDIT REPORT 9. Where is the contract bearing my signature, the itemized breakdown of the debt, and proof of legal obligation? You are reporting this without verifiable documentation .. You are legally required to provide more than summary information or unverifiable data. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * DELETE FROM CREDIT REPORT XXXX. I HAVE NO ACKNOWLEDGEMENT OF THIS ACCOUNT. PLEASE DELETE FROM MY CREDIT REPORT TBOM/CONTFIN Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT XXXX. I HAVE NO ACKNOWLEDGEMENT OF THIS ACCOUNT EVEN THO IT WAS PAID IN FULL, PLEASE DELETE FROM MY CREDIT REPORT OPPLOANS/FINWISE Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts. 
Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, I request the following : 1. Provide the original application or agreement bearing my signature.

2. Provide the full account history, itemized billing statements, and all communication records.

3. Provide the name and contact information of the original creditor, including dates of assignment or charge-off.

I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a careful record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the Better Business Bureau along with an online public press release, including documentation of any potential small claims action. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief