Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I am writing to formally dispute several accounts reported on my credit file that contain inaccurate information, inconsistencies across bureaus, and violations of multiple federal laws. This letter serves as an official notice under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations, requesting immediate investigation and correction/removal of the items listed below. DISPUTED ACCOUNTS REQUEST FOR CORRECTION OR REMOVAL ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of Dispute Reasons : Closed accounts still reporting active balances. Late payments reported inconsistently across credit bureaus. Derogatory statuses without proper supporting documentation. Conflicting open/close dates and last payment activity. Outdated negative information reported beyond allowable time limits. VIOLATIONS IDENTIFIED 1. FCRA 602 ( a ) Right to Fair, Accurate, and Confidential Reports These inconsistencies directly violate the purpose of the FCRA to ensure consumer reports are accurate and fair. 2. FCRA 604 ( b ) ( 2 ) Prior Written Consent If any account was opened or shared without my prior written consent, this constitutes a violation. 3. FCRA 605 ( a ) Obsolete Information Accounts like XXXX XXXX with a last payment in XXXX should no longer appear if over 7 years have passed since the negative event. 4. FCRA 623 ( a ) ( 5 ) Duty to Report Date of First Delinquency Creditors are required to report the correct date of first delinquency to determine legal reporting timelines. 5. FDCPA 807 ( 10 ) Misleading Representations Reporting closed accounts with active balances or unverifiable data is misleading. 6. FDCPA 808 Unfair Practices Maintaining harmful and unverified negative data constitutes abusive collection behavior. 7. FCRA 609 ( a ) ( 1 ) Right to Full Disclosure Consumers have the right to request and receive documentary evidence of any account reported. 8. FCRA 611 ( a ) ( 1 ) ( A ) Duty to Investigate Credit reporting agencies must investigate disputes within 30 days and remove unverifiable information. 9. FCRA 611 ( a ) ( 5 ) ( A ) Mandatory Deletion If the information can not be verified, it must be deleted immediately. 10. CFPB Regulation V 1022.43 ( e ) Requires that credit bureaus maintain reasonable procedures to ensure maximum accuracy which clearly failed in these cases. FORMAL REQUEST : Conduct a complete investigation into the accounts listed. Delete or correct any unverifiable, inaccurate, or outdated information. Provide verifiable documentation that supports any negative reporting. Mark all disputed accounts as In Dispute as required under FCRA 611 ( a ) ( 3 ) during the investigation. CONSEQUENCES OF NONCOMPLIANCE : If these violations are not resolved within the 30-day legal window, I will take the following actions : Initiate legal proceedings under the FCRA and FDCPA for damages. File formal complaints with the, FTC, and State Attorney Generals Office. Please send me a written confirmation once the accounts have been deleted or corrected. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation