Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : this is not a regular dispute. Take action immediately you are in violation To somebody who can help me. I am deeply upset by the erroneous thing I see on my credit report. 
These accounts are unverifiable, invalidated, inaccurate, and questionable. If everyone is not reporting 100 % accurately, the inaccurate information must be removed. It is my understanding you will do an investigation immediately and send a new credit report that reflects the updated changes. 
Please provide me with the following information and documents as part of your investigation : 1. 
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A detailed statement or history of my account showing all payments and dates. 
Documentation shows that the payments were reported late by the creditor. 
Information about how the creditor reports payment history to your agency. 
Copies of any previous dispute statements or correspondence regarding these items. 
Your policies and procedures for recording payment history from creditors. 
Confirmation of any debt validation received from the creditor regarding this account. 
You must complete this investigation within 30 days of the receipt of this letter. According to law, unverifiable inaccurate account information must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and the information listed below. Thanks for your help with this matter. 
Accounts Needing Attention 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  My payments on this account were never late. Please update the payment history to accurately reflect this information. Thank you. 
2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX My payments on this account were never late. Please update the payment history to accurately reflect this information. Thank you. 
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX My payments on this account were never late. Please update the payment history to accurately reflect this information. Thank you. 
4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  My payments on this account were never late. Please update the payment history to accurately reflect this information. Thank you. 
5. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  My payments on this account were never late. Please update the payment history to accurately reflect this information. Thank you. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Failure to respond by deleting these accounts or accurately verifying and correcting these errors and inaccurate information in the legally outlined manner, within 30 days of RECEIPT of this letter, may result in small claims action against your company. I will be seeking a minimum of {$1000.00} in damages for each violation : 1. ) Defamation, as supported by evidence that you have communicated this inaccurate, incomplete, and/or unverifiable information to at least one person other than myself, the person defamed, by publishing this inaccurate, incomplete, and/or unverifiable information on my consumer credit report, to which businesses receive when I have authorized them to access my consumer credit report from your business. 
2. ) Mental Anguish, as supported by evidence that I have suffered mental anguish over my lengthy dealings with you since I initially disputed the inaccurate, incomplete, and/or unverifiable information you are reporting on my credit report. I have also experienced considerable humiliation and embarrassment from having to detail the difficulties I have had with your company to professional associates, lenders, and creditors with whom Ive needed to extend my credit or open an account. Ultimately, I have experienced credit denials and spent a considerable amount of time, at this point, several months, in an attempt to get you to correct the inaccuracies since I first disputed and requested to resolve my problems with the inaccurate information you are reporting. 
3. ) Willful Violation of the Fair Credit Reporting Act, as supported by evidence in which I have requested an investigation, a description of the procedure used to determine the accuracy and completeness of the information and re-investigations which included sufficient additional information that is relevant to additional errors I found on my credit report related to accounts I had disputed.

Company response to consumer: Closed with explanation