Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
RE : Credit Report Dispute Filing under FCRA 611 ( a ) ( 1 ) ( A ), 15 USC 1681e ( b ), and Related Case Law I am submitting this dispute to formally challenge and request resolution regarding inaccurate, unverifiable, and harmful information that is currently being reported on my credit reports by the following creditors and furnishers.

These accounts are in violation of : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to report with maximum possible accuracy FCRA 1681e ( b ) : Reporting information with insufficient verification Case Law : Engelhardt v. Garvens ( MO ), 281 S.W. 715, 719 No proof of debt implies no valid obligation exists Additionally, under doctrine of estoppel by silence, failure to provide requested proof constitutes acceptance that such alleged debt or negative status is invalid. 

1XXXX XXXXIssue : 30-day late payment as of XX/XX/XXXX. This account is open and active. 
Action Requested : Update all payment history and remove negative mark immediately. Provide verification of delinquency or remove per FCRA 611 ( a ) ( 1 ) ( A ). 

2. XXXX XXXX ( Acct : XXXX ) Issue : Reporting a charge-off with {$2400.00} balance and history from XXXX to XXXX with continuous late entries. No proof of written notification or 1099-C form issued for IRS tax write-off.

Action Requested : Permanently delete account due to unverifiable balance, lack of 1099C, and continuous inaccurate data. Cease collection activity. 

3. XXXXXXXX XXXX XXXXXXXXIssue : Account charged off ; last update XX/XX/XXXX. Violations of proper notice, IRS filing, and unverifiable delinquency history. 
Action Requested : Delete account due to unverifiable late history and charged-off status with no proof of debt ownership.

4. XXXX XXXX ( Acct : XXXX ) Issue : Charged-off status reporting through XXXX with balance inconsistencies and no resolution offer ever provided. 
Action Requested : Delete account permanently. Account is closed and must be removed under FCRA for false data.

5. XXXX XXXX ( Acct : XXXX ) Issue : Charge-off from XX/XX/XXXX to XX/XX/XXXX. No proof of delinquency or 1099C.

Action Requested : Delete for unverifiable reporting. False balance and damage to credit score.

6XXXX XXXX XXXX XXXX ( XXXX ) Issue : Collection account reporting since XX/XX/XXXX. No letter of validation received. 
Action Requested : Cease collection, remove from all credit bureaus per FDCPA and FCRA.

7. XXXX XXXX XXXXIssue : 30-day late payment in XX/XX/XXXX on an open account. 
Action Requested : Update status to current and remove late data. No notice sent.

8. XXXX XXXX XXXX Acct : XXXX ) Issue : Charge-off {$10000.00}, reporting through XXXX. Inaccurate and harmful data. IRS tax write-off not acknowledged. No 1099C provided.

Action Requested : Remove account and all payment history. Stop reporting false data.

9. XXXX XXXX XXXXIssue : Collection account. No debt validation, no proof of assignment. 
Action Requested : Delete from all bureaus. Cease activity.

10. XXXX XXXXIssue : Reporting balance of {$5500.00} with no contract proof, no consent. 
Action Requested : Delete account permanently.

11. XXXXXXXX XXXXXXXX XXXXIssue : {$5900.00} charge-off, no IRS reporting form, false dates of charge-off.

Action Requested : Delete account under 15 USC 1681e ( b ) and case law precedent.

Hard Inquiry Removals Requested ( Unlinked to open accounts or unauthorized ) : XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries including XX/XX/XXXX XXXX I demand these hard inquiries be permanently removed due to lack of permissible purpose under 15 USC 1681b.

Summary of Request : Update open accounts immediately with accurate, current data.

Permanently remove closed or charged-off accounts that contain false, unverifiable, or outdated data.

Remove all unauthorized hard inquiries listed above.

Failure to correct and remove these items within 5 days of receipt of this dispute will result in legal action and formal complaints with the FTC, Attorney General, and pursuit of civil remedies for statutory damages under the FCRA.

Company response to consumer: Closed with non-monetary relief