Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Demand for Investigation & Removal of Unverified Accounts FCRA, FDCPA, Metro 2 Compliance To Whom It May Concern, This letter serves as a formal dispute regarding multiple inaccurate, unverified, and potentially non-compliant accounts appearing on my credit report. Under the **Fair Credit Reporting Act ( FCRA ) **, **Fair Debt Collection Practices Act ( FDCPA ) **, and **Metro 2 compliance standards**, I demand a thorough investigation of the following accounts and their immediate removal if they can not be substantiated with proper legal documentation. 

Accounts in Violation : XXXX XXXX XXXX XXXX ( Automobile Loan ) Charge-Off - Reported Balance : {$41000.00} - Date Closed : XX/XX/XXXX - **Violations : ** Under **FCRA 611**, unverifiable accounts must be deleted within 30 days if the furnisher can not provide documentation. Furthermore, per **Metro 2 Compliance Reporting**, if this account is inaccurately classified as a charge-off while still being pursued for collection, it violates proper reporting standards and must be corrected or removed. The bureaus have failed I demand immediate REMOVAL! 

XXXX XXXX XXXX XXXX ( Unsecured Loan ) Charge-Off** - Reported Balance : {$8100.00} - Date Closed : XX/XX/XXXX - **Violations : ** Under **FCRA 609**, I am requesting complete validation of this debt, including the original signed contract. Additionally, per **FDCPA 807 ( 2 ) ( A ) **, misrepresenting the character or status of this debt is unlawful. If validation is not provided, immediate deletion is required. The bureaus have failed I demand immediate REMOVAL XXXX. XXXX XXXX XXXX Late Payments ( 120 Days ) ** - **Violations : ** The late payment reporting lacks proper verification. Under **FCRA 623**, if the original creditor no longer possesses accurate records, this account must either be marked as Paid as Agreed or removed. Failure to properly update this information constitutes a violation of Metro 2 Compliance. The bureaus have failed I demand immediate REMOVAL XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Collection** - Balance : {$210.00} - Opened : XX/XX/XXXX - **Violations : ** This account was reported without my knowledge or verification. Per **FDCPA 809 ( b ) **, I demand validation, including the original contract and proof that I was notified before collection reporting. If no such proof exists, this account must be removed. The bureaus have failed I demand immediate REMOVAL XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Collection** - Balance : {$130.00} - Opened : XX/XX/XXXX - **Violations : ** Under **FCRA 605 ( a ) **, this account is inaccurately reported beyond acceptable time frames. Additionally, per **Metro 2 Guidelines**, outdated collections with no recent activity should not be reported. I demand its immediate removal. The bureaus have failed I demand immediate REMOVAL XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Collection** - Balance : {$1400.00} - Opened : XX/XX/XXXX - **Violations : ** This account appears erroneous and unverifiable. Under **FCRA 623**, furnishers must maintain verifiable proof of debt ownership. Per **FDCPA 807 ( 8 ) **, collection agencies can not threaten reporting if they lack proper documentation. If no verifiable contract with my signature is provided, remove this account immediately. The bureaus have failed I demand immediate REMOVAL Correction of Personal Information : My credit report also contains multiple incorrect name variations and outdated addresses. Under **FCRA 611**, I request the immediate removal of : Incorrect Names MY ONLY LEGAL NAME IS XXXX XXXX XXXX Delete this inaccurate information XXXX XXXX XXXX XXXX My ONLY ADDRESS IS XXXX XXXX XXXX XXXX, LA XXXX **Incorrect Addresses : ** Delete Incorrect Addresses XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX I demand written confirmation of the results of this investigation within 30 days , as required by federal law. If my request is ignored or violations persist, I will escalate my complaint to the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and **my states Attorney General**. I expect full compliance and adherence to the law.

Company response to consumer: Closed with non-monetary relief