Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2025 Via CFPB Complaint Portal and Certified Mail Re : Demand for Deletion of Unverifiable Charge-Off Accounts Deleted by XXXX After Investigation To Whom It XXXX Concern, I am writing to formally dispute the continued reporting of multiple charge-off accounts appearing on one or more of my consumer credit reports. Each of the accounts listed below was disputed with XXXX, a nationwide consumer reporting agency, and deleted in full after XXXX completed its reinvestigation. 
________________________________________ Accounts Deleted by XXXX After completing its investigations, XXXX deleted the following accounts in their entirety : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$15000.00} o Investigation Completed : XX/XX/2025 o Status : Deleted XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX : {$1000.00} o XXXX : Deleted XXXX. XXXX XXXX XXXX  o Charge-Off Amount : {$990.00} o Status : Deleted These deletions confirm that the above accounts could not be verified as accurate, complete, or legally reportable. 
________________________________________ Federal Law Violations ( FCRA ) Continued reporting of these accounts violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 5 ) Prohibition on continued reporting of unverifiable data 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to reasonably investigate disputed information Because XXXX deleted these tradelines after investigation, continued reporting by other CRAs constitutes inconsistent, unreliable, and unlawful reporting. 
________________________________________ Georgia State Consumer Protection Laws In addition to federal violations, continued reporting may violate Georgia law, including : Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) Prohibits unfair or deceptive acts in consumer transactions, including the reporting of false or misleading credit information. 
O.C.G.A. 51-1-6 Allows a private cause of action when a legal duty imposed for the benefit of another is breached.

O.C.G.A. 51-12-6 Permits recovery for injury to peace, happiness, or feelings when credit reputation is harmed. 
________________________________________ Formal Demand I hereby demand that you : 1. Conduct a new reinvestigation pursuant to federal and Georgia law 2. Delete all listed accounts if they can not be verified with competent evidence XXXX. Provide written confirmation of deletion ________________________________________ Timeframe for Compliance You have no more than 30 days to complete your reinvestigation under 15 U.S.C. 1681i ( a ). 
________________________________________ Notice of Intent to Enforce Rights Failure to comply may result in civil liability under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance Georgia Fair Business Practices Act Treble damages and attorneys fees I reserve all rights to pursue private legal action, submit additional complaints to the CFPB, and seek relief in Georgia state or federal court. 
________________________________________ Sincerely, XXXX XXXX XXXX. 
XXXX ________________________________________

Company response to consumer: Closed with explanation