Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
This letter serves as my SECOND WRITTEN REQUEST regarding multiple inaccurate and unverified items still appearing on my consumer credit file. These items remain on my report in violation of federal law, despite your previous claim that they were verified. 

Under the Fair Credit Reporting Act ( FCRA ) : 609 ( a ) ( 1 ) ( A ) entitles me to the method of verification and the original creditors documentation bearing my signature.

611 ( a ) ( 1 ) ( A ) requires you to conduct a reasonable reinvestigation.

611 ( 5 ) ( A ) mandates that you promptly DELETE all information that can not be verified.

607 ( b ) requires you to maintain procedures ensuring maximum possible accuracy.

623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

To date, you have supplied no documentation, no original contract, and no lawful verification for any of the disputed items. 
Your prior verification appears to be nothing more than parroting unverified furnisher data, which the court has ruled insufficient in XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 

I am a documented victim of both the XXXX XXXX XXXX XXXX and the Equifax Data Breach, making your reliance on unverifiable or inconsistent data even more reckless. 

Failure to correct these errors constitutes negligent or willful non-compliance under FCRA 616617, exposing your agency to civil liability. 

DEMAND FOR VERIFICATION OR DELETION Below are the accounts that remain inaccurate, unverifiable, contradictory, or reported in violation of the FCRA, FACTA 312, FDCPA 807 ( 8 ), and Metro 2 compliance standards. 

XXXX XXXX XXXX XXXX Ending XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Permanent deletion across Equifax, Experian, TransUnion Equifax & Experian report the account as transferred, current, and never late. 

TransUnion reports 60, 90, and 120-day delinquencies. 

This contradiction proves the information can not be verified with maximum possible accuracy ( 607 ( b ) ).

No original documentation or signed obligation has been provided ( 609 ).

This account is unverifiable, inconsistent, and materially misleading. 
Demand : Permanent deletion across all bureaus. 

XXXX. XXXX XXXX XXXX Ending XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Demand : Removal of false 30-day late ( XX/XX/XXXX ) + correction to Pays as agreed/Current The alleged 30-day delinquency for XX/XX/XXXX is false and unverifiable. 

No signed documentation has been provided ( XXXX ). 

Reporting unverifiable derogatory data violates Metro 2 and 623 ( a ) ( 1 ) ( A ).

Demand : Delete the false late payment and correct the account to Pays as agreed / Current. 

XXXX XXXX XXXX Ending XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Demand : Permanent deletion across all bureaus Equifax reports it as open and delinquent. 

Experian & TransUnion list it as closed/charged off. 

Conflicting statuses = violation of 607 ( b ) and Metro 2 rules. 

No original signed agreement has been provided ( XXXX ). 

Because the account contains conflicting, unverifiable, and misleading information, Demand : Permanent deletion across all bureaus. 

XXXX XXXX XXXX Ending XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Demand : Permanent deletion across all bureaus Multiple late payments are reported inconsistently across bureaus. 

Closure remarks are inaccurate and unverified.

Violates 602 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), FACTA 312, FDCPA 807 ( 8 ), and Metro 2. 

No original verification provided. 

Demand : Permanent deletion of entire account. 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Demand : Permanent deletion across all bureaus Equifax & Experian list the account as transferred/current.

TransUnion lists 30, 60, 90, 120, and 120+-day lates.

Conflicting data = failure to meet 607 ( b ) s accuracy requirement. 

Demand : Permanent deletion due to contradictory and unverifiable reporting. 

XXXX. Bankruptcy XXXX XXXX. XXXX ( XXXX XXXX  XXXX Discharge ) Demand : Permanent deletion Reporting a discharged bankruptcy as a derogatory active item is misleading. 

No lawful verifying source has been provided ( XXXX ). 

Reporting obsolete public records violates Metro 2. 

Demand : Full deletion across Equifax, Experian, and TransUnion. 

XXXX. Bankruptcy File No. XXXX ( Dismissed ) Demand : Permanent deletion of bankruptcy + associated XXXX XXXX derogatories Dismissed bankruptcies are obsolete, unverifiable, and misleading. 

Associated XXXX XXXX late notations remain despite disputes. 

Violates 607 ( b ), 623 ( a ), and Metro 2. 

Demand : Delete the dismissed bankruptcy and all related derogatory accounts. 

ADDITIONAL REQUESTS Remove all nonaccount-holding inquiries older than 30 days. 

Add a XXXX Suppression to my credit file. 

Provide the full name, address, and telephone number of each credit grantor or subscriber reporting the disputed items. 

FINAL NOTICE Please delete the inaccurate information and provide corrected consumer reports to all creditors who have received a copy within the last 6 months ( or 2 years for employment purposes ). 

Failure to comply will result in legal action to enforce my rights under the FCRA, FACTA, and FDCPA.

Company response to consumer: Closed with non-monetary relief