Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX RE : SECOND FORMAL NOTICE FAILURE TO PROPERLY INVESTIGATE DISPUTED ACCOUNTS UNDER FCRA To Whom It May Concern, This letter serves as a follow-up dispute and legal notice regarding your failure to accurately and lawfully address my prior dispute submission. Several entries continue to appear on my TransUnion credit report without full validation or correction, despite my previous correspondence. This constitutes a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

You are required by law to perform a reasonable reinvestigation and to delete or correct any item that is found to be inaccurate, incomplete, outdated, or unverifiable. 
XXXX XXXX Accounts XXXX. XXXXXXXX XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$11000.00} Issue : Late payments continue to be reported without original contract, payment history, or consumer acknowledgment. This must be corrected or deleted immediately. 
XXXX. XXXXXXXX XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$18000.00} Issue : This XXXX be a duplicate of the account below. I dispute the accuracy and demand deletion unless proven otherwise. 
XXXX. XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$18000.00} Issue : Appears duplicative. Failure to clarify or verify this account constitutes misreporting. 
XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : Late payments were never validated. No billing records or supporting documents have been provided. 
XXXX. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Issue : Charge-off listed with no validation or proof of obligation. You must provide chain of title, original agreement, and payment history. 
XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$200.00} Issue : Charge-off listed without proper verification or lawful basis. Delete immediately if full documentation can not be supplied. 
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} Issue : This late payment is unsupported. I request full reinvestigation and documentation or removal under FCRA. 
Disputed Addresses The following addresses are outdated or unrelated and must be removed : XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Legal Obligation and Consequences of Noncompliance You are reminded that under the FCRA, you are obligated to : Remove unverifiable information within 30 days Provide written documentation supporting your reporting Notify all data furnishers of disputes and corrections Prevent re-insertion of removed items without proper notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Failure to act lawfully exposes you to liability under 15 U.S.C. 1681n and 1681o, including civil penalties, attorneys fees, and actual damages.

Immediate Actions Required 1. Delete all unverifiable and inaccurate accounts listed above.

2. Remove incorrect and outdated addresses from my credit file. 
XXXX. Provide documentation for any entry you choose to retain. 
XXXX. Confirm all changes in writing within XXXX calendar days. 
Escalation in Progress Due to the lack of response to my first dispute, I have initiated formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). If this matter is not resolved immediately, I will escalate to the Georgia Attorney Generals Office and consider legal action. 
Do not respond with template letters or automated replies. I expect a full, lawful resolution without delay. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief