Consumer complaint received 2025-12-18 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: KS

Complaint narrative:
This letter constitutes my SECOND FORMAL DISPUTE regarding the above-referenced account. This account was previously disputed in XX/XX/year>, and I was notified that the account remained unchanged. No corrections were made, and no lawful verification was ever provided. 
Under federal law, a furnisher or credit reporting agency may not merely rubber-stamp previously reported information or rely on automated systems when a consumer disputes the accuracy of an account.

VIOLATIONS AND GROUNDS FOR DISPUTE 1. Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), once a dispute is received, the furnisher is required to conduct a reasonable investigation and review all relevant information provided by the consumer. 
Merely confirming data against internal records does not meet the statutory standard for a reasonable investigation. 
The fact that this account was previously disputed and returned as verified without correction, documentation, or explanation constitutes negligent and/or willful noncompliance.

2. Failure to Correct or Delete Inaccurate Information Despite being placed on notice of inaccuracies, this account continues to report : A charge-off balance of {$180.00} while simultaneously reporting {$160.00} past due A charge card with a reported {$2500.00} credit limit, which is contradictory by industry standards A payment history containing No Data months immediately preceding charge-off Inconsistent delinquency progression leading to charge-off Under 15 U.S.C. 1681s-2 ( a ) ( 2 ) and 1681e ( b ), furnishers and consumer reporting agencies must ensure maximum possible accuracy. Information that is internally inconsistent or misleading can not be considered accurate. 3. Unlawful Continued Reporting After Prior Dispute Once a dispute has been submitted, the continued reporting of the same inaccurate information without correction or competent verification constitutes a violation of : 15 U.S
.C. 1681s-2 ( b ) ( duty to investigate ) 15 U.S.C. 1681i ( a ) ( 5 ) ( duty to delete unverifiable information ) 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) Failure to correct or delete this account after a prior dispute establishes actual notice and supports a finding of willful noncompliance under 15 U.S.C. 1681n.

4. Failure to Disclose Method of Verification I was never provided with : The method of verification The name or title of the individual who verified the account The documents relied upon This violates 15 U.S.C. 1681i ( a ) ( 6 ) & ( 7 ), which require transparency after a dispute is completed. 
FORMAL DEMAND Pursuant to the Fair Credit Reporting Act, I hereby demand the following : Immediate deletion of this account due to failure to properly reinvestigate OR Full documentary proof, including : Original signed consumer agreement Complete itemized payment history Proof of lawful charge-off calculations Evidence supporting the reported balance and delinquency timeline If you choose not to delete this account, you must also provide : The exact method of verification used The name and contact information of the person or entity that verified the data Copies of all documents relied upon NOTICE OF LEGAL RIGHTS Please be advised that continued reporting of this account after prior dispute and notice of inaccuracies may expose you to liability for : Statutory damages Actual damages Punitive damages Attorneys fees and costs under 15 U.S.C. 1681n and 1681o, as well as applicable state laws.

This letter is sent in good faith and does not constitute an admission of liability or refusal to pay, but a demand for lawful and accurate reporting.

Company response to consumer: Closed with explanation