Consumer complaint received 2025-04-14 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:
Subject : Request for Investigation and Removal of Inaccurate ChargeOff Accounts FCRA 609,611 & 623 Pursuant to the Fair Credit Reporting Act ( FCRA ) and all applicable regulations, I dispute the accuracy and completeness of the chargeoff tradelines listed below.If Equifax can not manually verify each item with originalsource documentation, I demand their immediate deletion from my credit file. 

# # 1.Accounts in Dispute ( Equifax data vs. other CRAs ) 1 XXXX XXXX XXXX ) XXXX HighBal {$20000.00} Balance {$20000.00} XXXX ReportedXXXX StatusCollection/Chargeoff ( Closed ) XXXX shows HighBal {$52000.00}, XXXX, ReportedXXXX, ClosedXXXX  Experian shows ReportedXXXXXXXX  and different paymenthistory grid 2 XXXX XXXXXXXX HighBal {$500.00} Balance {$390.00} XXXX ReportedXXXX StatusClosed/ Current 30 & 60day lates only in XXXX XXXX lists HighBal {$690.00}, XXXX, ClosedXXXX, 30day late history XXXX lists HighBal {$690.00}, XXXX, ReportedXXXX  and more extensive 30/60day lates The contradictory balances, dates, statuses, and payment histories demonstrate that the information Equifax is publishing is neither complete nor maximally accurate, as required by law. 

# # 2.Basis for Dispute & Governing Law Right to Accurate Information FCRA 609 ( 15U.S.C.1681g ) Please provide fullfile documentation, including the original signed contracts, chargeoff ledgers, and billing statements for each tradelinenot automated eOSCAR responses. 

Reinvestigation Duty FCRA 611 ( 15U.S.C.1681i ) Conduct a thorough, manual reinvestigation.Delete any tradeline you can not prove to be 100 % accurate and complete. 

Deletion of Inaccurate / Unverifiable Data 611 ( a ) ( 5 ) If discrepancies remain unresolved or documentation is unavailable, you must delete the data. 

Duties of Furnishers FCRA 623 ( a ) ( 1 ) ( A ) ( 15U.S.C.1681s2 ) XXXX and XXXX are obligated to furnish accurate data.If they can not substantiate the figures shown above, Equifax must delete the accounts. 

Maximum Possible Accuracy FCRA 607 ( b ) ( 15U.S.C.1681e ( b ) ) The conflicting information across CRAs demonstrates a failure of Equifaxs reasonable procedures. 

Relevant Case Law XXXXXXXX, XXXX ( XXXX ) CRAs are liable for inadequate investigations. 
XXXX, XXXX  Reinforces the need for reasonable verification procedures. 

# # 3.Requested Relief Delete the disputed tradelines if original, signed documentation can not be produced within 30days. 

Provide a written narrative of every verification step, including the name and contact information of each furnisher consulted. 

Correct any verified data so that it is identical across all CRAs, or remove it entirely to avoid misleading potential creditors. 

Send an updated Equifax credit report reflecting all changes to the address above. 

# # 4.Consequences of NonCompliance Should Equifax fail XXXX comply, I will : File complaints with the FTC, and my State Attorney General ; Seek statutory damages up to {$1000.00} per violation under FCRA 616 and actual damages under 617 ; Pursue additional relief for negligence, defamation, and willful noncompliance. 

Thank you for your prompt attention.I expect your written response within the timeframe mandated by FCRA 611.

Company response to consumer: Closed with explanation