Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX RE : DEMAND FOR IMMEDIATE DELETION AND INVESTIGATION FARMERS HOME FURNITURE ACCOUNT # XXXX To Whom It XXXX Concern, I am formally disputing the accuracy and legality of the information being reported on my credit file by your agency concerning the account from XXXX XXXX XXXX XXXX Account # XXXX ). This account has been inaccurately and abusively reported as a charge-off for XXXX consecutive months. 
This prolonged derogatory reporting is not only factually inaccurate, but also in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your agency has enabled the continued furnishing of unverified and unvalidated debt data, which is being used as a tool to extort payment from me through psychological and financial coercion. 
Violations and Damages Failure to properly investigate the validity of a disputed debt ( FCRA 1681i ).

Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer information ( FCRA 1681e ).

Reckless reporting of a balance increase on a charged-off account, which is materially misleading and inherently inaccurate.

Failure to flag the debt as disputed under FCRA 1681s-2 ( b ) ( 3 ), despite ongoing issues of verification. 
Re-aging of debt through repeated charge-off status, impacting the XXXX statute for derogatory information ( FCRA 1681c ).

Your failure to stop the dissemination of this misleading data, after months of repetitive inaccuracies, indicates gross negligence and, potentially, willful noncompliance, subjecting you to statutory damages of up to {$1000.00} per violation, plus actual and punitive damages.

Let this letter serve as your final notice and formal dispute. I am demanding : 1. Immediate deletion of this inaccurate and harmful account from my credit file.

2. A full and independent investigation into the reporting procedures and the data provided by XXXX XXXX XXXX. 
XXXX. Written confirmation of the results of your investigation, and any deletion, within 15 days, not XXXX. 
Should you fail to comply, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General, and I will initiate legal action to pursue damages exceeding {$15000.00} for ongoing harm to my credit standing, mental distress, and loss of financial opportunity. 
You are hereby put on notice of these violations and expected to act swiftly. This correspondence shall be retained as part of my legal file for future proceedings. 
Sincerely, XXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief