Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dispute 2 : Complaint against Equifax To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX Date of Report : XX/XX/XXXX Subject : Formal Complaint and Demand for Debt Validation Violation of FCRA This is a formal complaint against Equifax for reporting inaccurate, incomplete, and unverified information on my credit report dated XX/XX/XXXX. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ).

This is a direct dispute of the accuracy of the information on my credit report and a demand for validation. This is not a request to place a fraud alert on my file.

Pursuant to the FCRA, you are required to conduct a reasonable investigation and verify the information in question within 30 days. Stalling tactics or failure to comply with the 30-day deadline will be treated as a willful violation of federal law, for which there are penalties.

I. Inaccurate Personal Information My report contains multiple incorrect addresses and employer listings, including " XXXX XXXX XXXX '' and " XXXX XXXX ''. This information is obsolete and inaccurate. I demand its immediate removal to protect my identity and ensure the integrity of my credit file.

II. Unverified and Inaccurate Accounts I demand immediate validation and verification for the following derogatory accounts. You are required to provide proof of your legal standing to report these items, including the original signed contract and a complete accounting of the alleged debt. 
XXXX XXXX XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : Reported as a " Derogatory '' " Charged off account '' with a balance of {$590.00}. I do not recognize this debt. Validate it or delete it. 
XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  : A second account from the same creditor, also a " Charged off account '' with a balance of {$980.00}. Validate this account or delete it. 
XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : Reported as a " Charged off account '' with a past due amount of {$2800.00}. The remarks state the original charge-off amount is in the high credit. This is confusing and likely inaccurate. I demand full validation. 
XXXX XXXX XXXX XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : Reported as a " Paid charge off ''. This negative information is inaccurate. Provide proof of the charge-off and your authority to report it. 
XXXX XXXX ( Acct # : XXXXXXXX XXXX  ) XXXX XXXX : This account is listed as a " Collection '' and is " Late 120 Days '' with a past due amount of {$450.00}. The remarks state, " Consumer disputes this account information ''. Your own report confirms this is a disputed item. I hereby reiterate my dispute. Provide strict proof from the original creditor, XXXX XXXX XXXX XXXX, that this debt is valid and that XXXX has the legal authority to collect and report on it. 
If you can not validate these debts and prove the accuracy of every item I have disputed, they must be immediately deleted from my credit file as required by law. I expect a written response with the results of your investigation mailed to my current address.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief