Consumer complaint received 2025-07-25 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX  SSN : XXXX XXXX XXXX XXXX XXXX  To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Subject : LEGAL DEMAND FOR DELETION Unverified Charge-Off and Repossession ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), UCC Article 9, FDCPA, and Truth in Lending Act for the immediate removal of the following derogatory and unverified accounts from my Equifax credit file : Accounts in Dispute : XXXX XXXX  Account # XXXX XXXX Charge-Off {$22000.00} XXXXXXXX XXXX XXXX  Account # : XXXX Repossession {$22000.00} Federal Law Violations : 1. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to perform a reasonable reinvestigation. Reliance on third-party systems like e-OSCAR does not meet the legal requirement. If the furnisher can not provide original documentation, the account must be deleted.

2. FCRA 15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of reported data. If no complete and original documentation exists, you are violating this section by continuing to report these accounts.

3. UCC 9-210 Request for Accounting : As a consumer, I have the right to request a full accounting of this debt, including proof of the security interest and any legal repossession procedures followed.

4. FDCPA 15 U.S.C. 1692g ( b ) : If the account was handled by a third-party collector, they are required to provide debt validation. Lack of this invalidates any collection or credit reporting authority.

5. Truth in Lending Act 15 U.S.C. 1601 : If this was a financed auto agreement, I demand the original loan documentation, disclosures, and proof of lawful lending. 

I Demand the Following Documentation : Original signed contract bearing my wet signature Valid binding agreement or chain of title proving legal right to collect/report Complete flow sheet showing itemized transactions and how the charge-off/repo balance was calculated Repossession order, notice of right to cure, and deficiency balance breakdown XXXX XXXX XXXX XXXX  ) Copy of 1099-C cancellation of debt ( if applicable for XXXX XXXX XXXX  Name, title, and contact info of the person who verified this account with Equifax Clear explanation of the verification method used ( not e-OSCAR ) FINAL NOTICE : If Equifax fails to comply within 30 days from the date of this letter, I will take the following actions : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Submit a case to the Iowa Attorney Generals Office File a civil lawsuit for : Violations of FCRA 1681n & 1681o Defamation and negligent reporting Emotional and financial damages resulting from inaccurate information If these accounts can not be fully validated using legal documentation, they must be immediately removed under FCRA 1681i ( a ) ( 5 ) ( A ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief