Consumer complaint received 2025-02-03 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:
This is a formal dispute of two inaccurate and unverified accounts appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692, I demand an immediate and thorough investigation into these accounts. If these accounts can not be fully verified with documented proof, they must be deleted immediately from my report per FCRA 611 ( a ) ( 5 ) ( A ).

Identity Theft Victim Alert I am a confirmed victim of identity theft, as evidenced by the identity theft report. According to the fraud alert placed on my account dated XXXX XXXX, XXXX I have notified you that my identity may have been used without my consent. Under XXXXFCRA 605B ( 15 U.S.C. 1681c-2 XXXX XXXX I demand the immediate blocking of any information resulting from this identity theft. Attached to this letter is my identity theft report and affidavit for your records. 


This letter references specific statutes that you must adhere to when addressing my disputes. Failure to comply will result in the reporting of these violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am fully prepared to take legal action if necessary to ensure my consumer rights are upheld. I am formally disputing the following accounts : XXXX XXXX XXXX XXXX  Account Status : Closed Involuntary Repossession Balance : {$14000.00} Opened : XX/XX/XXXX Payment History : 39 % on-time, with multiple late payments Dispute Reason : The reporting of this account is inaccurate and unverifiable. The payment history and balance contain discrepancies, and I never received a legally required notice of repossession and deficiency balance under FCRA 623 ( a ) ( 3 ). This account must be removed immediately. 

XXXX. XXXX XXXX XXXX Account Status : Open Collection Balance : {$180.00} Opened : XX/XX/XXXX Original Creditor : Not Listed Dispute Reason : This account lacks proper documentation and fails verification requirements under FCRA 609 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX has not provided a valid debt validation notice under FDCPA 809 ( b ). Reporting unverifiable information is a violation of FCRA 605 and must result in deletion. 

Legal Violations & CFPB Enforcement Action XXXXTHE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) RECENTLY FINED EQUIFAX {$15.00} XXXX FOR FAILING TO CONDUCT PROPER INVESTIGATIONS AND ALLOWING INACCURATE CREDIT REPORTING ERRORS TO PERSIST. THIS ENFORCEMENT PROVES THAT CREDIT BUREAUS CAN NOT BLINDLY RELY ON FURNISHERS WITHOUT CONDUCTING PROPER INVESTIGATIONS. IF EQUIFAX FAILS TO THOROUGHLY VERIFY THESE DISPUTED ACCOUNTS, IT WILL BE IN DIRECT VIOLATION OF FCRA GUIDELINES. XXXX  Demands Under the Law 1. XXXXSection 605B ( 15 U.S.C. 1681c-2 ) XXXX Block of Information Resulting from Identity Theft : In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned accounts as it is a direct result of identity theft. Enclosed is a copy of the identity theft report filed. You are REQUIRED BY LAW to block this information within FOUR ( 4 ) BUSINESS DAYS of receiving this request. Failure to comply will leave me no choice but to take further action against your agency, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

XXXX. XXXXFCRA Section 604, 15 U.S.C. 1681b** Permissible Purposes for Furnishing Consumer Reports The fraudulent and unverified nature of the account in question highlights a blatant violation of permissible purposes for furnishing consumer reports. I demand that you REMOVE this information immediately to rectify this significant legal infringement. 

XXXX. XXXXGramm-Leach-Bliley Act ( GLBA ) - Protection of Personal Financial Information** The protection of my personal financial information is paramount. Your failure to uphold the tenets of the Gramm-Leach-Bliley Act in safeguarding my sensitive data is unacceptable. I insist that you take IMMEDIATE action to ensure my information is not compromised further. 


Summary of Resolution Demands XXXXImmediate RemovalXXXX : All listed negative accounts and inquiries are to be deleted without reappearance. 
XXXXNo Reappearance Clause** : Failure to comply with these terms will lead to legal consequences and further complaints to relevant regulatory bodies. 
XXXXProof of ComplianceXXXX XXXX I request documented verification of the removal, along with evidence that measures are in place to prevent future inaccuracies. 

XXXX*Per FCRA 611 ( a ) ( 5 ) ( A ), if you can not verify these accounts with documented proof, they must be deleted from my report IMMEDIATELY. I demand : Immediate removal of these accounts if they can not be verified with legal proof.

Written confirmation of the investigation results.

All credit bureaus notified of any deletions or corrections.

Failure to comply with FCRA and FDCPA laws may result in a formal complaint to the CFPB and legal action. This dispute must be handled thoroughly, fairly, and in compliance with federal law.

I expect a response immediately after receiving this letter. Please send all correspondence to my address above.

Company response to consumer: Closed with non-monetary relief