Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
* * FORMAL LEGAL DEMAND & DISPUTE NOTICE * * * Via Certified Mail & Electronic Submission * * * XXXX XXXX * * XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX | XXXX : XXXX | XXXX : XXXX * * TO : * * Equifax | Experian | TransUnion | Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Copies to Creditors : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX * DATE : * * XX/XX/XXXX * * RE : * * URGENT DEMAND TO CORRECT CREDIT REPORTING VIOLATIONS * 15 U.S.C. 1681 ( FCRA ), 12 U.S.C. 5531 ( CFPB UDAAP ), XXXX. FIN. CODE 392 * -- - # # # * * I. LEGAL BASIS FOR DISPUTE * * XXXX. * * Fair Credit Reporting Act ( FCRA ) Violations * * - * * 15 U.S.C. 1681e ( b ) * * : Failure to maintain reasonable accuracy.

- * * 15 U.S.C. 1681i * * : Willful disregard of reinvestigation duties.

- * * 15 U.S.C. 1681c * * : Reporting expired derogatory information ( >7 years ).

2. * * CFPB Authority * * - * * 12 U.S.C. 5531 * * : Unfair, Deceptive, or Abusive Acts/Practices ( UDAAP ). 

XXXX. * * Texas State Law * * - * * Texas Finance Code 392.304 ( a ) ( 8 ) * * : False credit reporting. 
- * * Texas DTPA 17.46 ( b ) * * : Deceptive trade practices. 

-- - # # # * * II. EVIDENCE OF INACCURACIES * * * ( Cross-Referenced from Attached Documentation ) * | * * Account * * | * * Violation * * | * * Proof * * | * * Demand * * | | -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| | * XXXX XXXX * * | Falsely reported as " open '' with {$230.00} balance ( XXXX ) despite XXXX closure. | Closure date : XX/XX/XXXX ( XXXX ) | * * Delete immediately * * | | * * XXXX XXXX * * | Duplicate entries ( XXXX & XX/XX/XXXX ) misrepresenting history. | Duplicate closure records ( XXXX ) | * * Remove duplicates * * | | * * XXXX XXXX  * | Incorrect " Collection/Charge-Off '' status after {$0.00} balance/closure. | {$0.00} balance reported ( XXXX ) | * * Update to " Paid as Agreed '' * * | | * * XXXX XXXX * * | " Late30Days '' despite {$0.00} balance/closed status ( XXXX ). | Account status : Closed | * * Correct payment history * * | | * * XXXX XXXX * * | Unverified " Open '' status with {$10.00} balance ( XXXX ). | No contractual proof | * * Delete or validate within 30 days * * | -- - # # # * * III. DEMANDS TO CREDIT BUREAUS ( EQUIFAX, EXPERIAN, TRANSUNION ) * * Pursuant to * * FCRA 1681i * *, you must within * * 30 days * * : 1. * * Delete * * all unverifiable accounts ( XXXX, XXXX XXXX ). 
2. * * Correct * * inaccurate statuses ( XXXX, XXXX XXXX ). 
3. * * Remove * * duplicate entries ( XXXX XXXX ). 
4. * * Provide * * : - Methodologies used to verify disputed items ; - Documentation proving account validity ; - Certification of compliance with Metro 2 reporting standards. 

XXXX * * WARNING * * : Failure to comply will result in federal litigation seeking : XXXX - * * {$5000.00} per violation * * ( Texas DTPA 17.50 ( b ) ( XXXX ) ) ; > - * * $ XXXX statutory damages * * ( FCRA 1681n ) ; > - * * Punitive damages * * for willful non-compliance. 

-- - # # # * * IV. DEMANDS TO DATA FURNISHERS ( CREDITORS ) * * Under * * FCRA 1681s-2 ( b ) * *, you must : XXXX. * * Cease reporting * * invalid accounts ( e.g., XXXXs " open '' status post-closure ). 
2. * * Audit all reporting * * for XXXX XXXX XXXX ending XXXX. 
XXXX. * * Submit written confirmation * * of corrections to all bureaus within 15 days. 

> * * Legal Notice * * : Continued reporting of unverified accounts violates * * TEX. FIN. CODE 392.304 ( a ) ( 8 ) * *. 

-- - # # # * * V. CFPB COMPLAINT FILING * * A formal complaint is being filed with the CFPB for : - * * Systemic inaccuracies * * across multiple creditors ; - * * Failure to investigate * * disputes ( CFPB File # : [ TO BE ASSIGNED ] ). 

-- - # # # * * VI. LITIGATION READINESS * * If unresolved within 30 days, we will file in : - * * XXXX XXXX XXXX ( XXXX Texas ) * * for FCRA violations ; - * * Texas XXXX XXXX * * for DTPA claims. 
* Seeking injunctive relief + statutory + punitive damages. * -- - * * ATTACHMENTS : * * 1. Closure proofs ( XXXX, XXXX, XXXX ) XXXX. TransUnion dispute history ( XXXX ) XXXX. Redacted SSN/DOB verification XXXX * RESPONSE REQUIRED TO : * * XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX - * * SIGNED : * * [ XXXX XXXX XXXX XXXX Bar ID ] | [ Law Firm ] | [ Contact ] > * * NOTICE * * : This letter constitutes a pre-litigation demand. All rights preserved under federal and state law.

Company response to consumer: Closed with non-monetary relief