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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Date of Birth : XX/XX/XXXX SSN : * -- XXXX RE : FORMAL SECOND NOTICE DEMAND TO DELETE UNVERIFIED NEGATIVE ITEMS IN VIOLATION OF FCRA 1681e ( b ), 1681i, 1681s-2 ( b ) To Whom It May Concern, This is your second and final formal dispute notice regarding multiple inaccurate, unverified, and legally noncompliant entries currently appearing on my credit file. These items are damaging my financial standing and personal credibility, and your continued failure to act on my prior dispute is in violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ). 
Unless you can validate each disputed item using original signed contracts, billing history, and proper documentation, these tradelines must be permanently deleted. Anything less than full legal validation will be treated as willful noncompliance. 
DISPUTED ACCOUNTS XXXX # XXXX * * * * * * * * Opened : XX/XX/XXXX | Status : Charge-Off Issue : No high balance reported, no documentation provided. This account is unverifiable and must be removed under FCRA 1681i ( a ) ( 5 ). 
XXXX # XXXX * * * * Opened : XX/XX/XXXX | High Balance : {$570.00} | Status : Charge-Off Issue : Duplicate of Comenity Victorias Secret. Multiple entries from the same origin violate FCRA 1681e ( b ) and Metro 2 format standards requiring unique tradeline reporting. 
XXXX XXXX XXXX XXXX # XXXX * Opened : XX/XX/XXXX & XX/XX/XXXX | Status : Charge-Off & Late Payment Issue : Duplicated creditor account with conflicting balances. No original agreement, payment records, or debt chain validation provided. Reporting without documentation is unlawful under FCRA 1681s-2 ( b ). 
XXXX XXXX XXXXXXXX * * * * * * * ( XXXX Accounts ) * * Opened : XX/XX/XXXX and XX/XX/XXXX | Balances : {$3000.00} {$4000.00} | Status : Late Payments Issue : Multiple tradelines from same loan origin, differing amounts and statuses. This may constitute tradeline splitting, which is deceptive and violates FCRA 1681e ( b ) and FTC deceptive reporting guidance. 
XXXX XXXX XXXX & XXXX # XXXX * * * * * Status : Charge-Off Issue : No balance disclosed, no evidence of billing cycle or collection process. Reporting utility debt as charged off without documentation is illegal under FCRA 1681c-2. 
PUBLIC RECORD DISPUTE U.S. Bankruptcy Court Reference # XXXX Filed/Reported : XX/XX/XXXX Issue : Equifax/XXXX have been warned by the CFPB that they can not lawfully report bankruptcies pulled from third-party databases unless they can prove direct sourcing and verification from court records. FCRA 1681i ( a ) mandates deletion if this can not be proven. 
NOTICE : CHARGE-OFF ACCOUNTS IRS MISCLASSIFICATION OF DEBT A charge-off is not a legally enforceable debt once it has been forgiven, canceled, or written off by a creditor. According to the Internal Revenue Service ( IRS ) Publication 4681, canceled debts above {$600.00} are considered " ordinary income '' and must be reported on Form 1099-C.

If a creditor has charged off or canceled a debt, it is no longer collectible and can not be lawfully reported as outstanding. 
By continuing to report a charged-off account as active or past due, your agency may be misrepresenting a tax-classified forgiven debt as a collectible financial obligationthis is not only inaccurate under FCRA 1681e ( b ) but may also be considered federal tax misreporting and financial defamation. 
Unless you can produce : The original creditor agreement, A signed payment contract, Documentation proving no cancellation or write-off occurred, this account must be deleted immediately to avoid liability.

OTHER LEGAL VIOLATIONS The following federal consumer protection laws are being violated : FCRA 1681e ( b ) : Failure to maintain accurate, complete, and non-duplicative data FCRA 1681i : Failure to reinvestigate disputed entries FCRA 1681s-2 ( b ) : Furnishers duty to verify all reported data upon dispute FCRA 1681c-2 : Consumer right to block fraudulent or unauthorized information FCRA 1681n & 1681o : Civil liability for willful or negligent noncompliance FDCPA 809 ( a ) : Verification requirement for any third-party reporting/collection UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These hard inquiries were made without my consent and without permissible purpose. If you can not produce verifiable consumer-initiated authorization, they must be removed immediately under FCRA 1681b ( c ).

IMMEDIATE ACTION DEMANDED You are required to : 1. Permanently delete all unverified, outdated, and misleading accounts 2. Remove unauthorized inquiries 3. Purge unverifiable public record information, including bankruptcy if not directly sourced 4. Send a writte
n response stating the results of the reinvestigation, and 5. Provide a free, updated copy of my credit report, per FCRA 1681i ( a ) ( 6 ) ( B ) ( ii ) LEGAL ESCALATION NOTICE You now have 10 calendar days to comply. If this matter is not resolved : I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Report your actions to the Federal Trade Commission ( FTC ) Notify the Tennessee Attorney Generals Office Initiate a civil lawsuit under FCRA 1681n and 1681o, seeking statutory, actual, and punitive damages This is your final warning. Do not respond with generic language or unverifiable summaries. Do not reject this dispute based on its format, tone, or origin. I am fully within my rights to use third-party assistance in asserting my rights under the law. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief