Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Full Legal Dispute Inaccurate, Unverified, and Obsolete Accounts Demand for Deletion, Correction, and Compensation To Whom It May Concern, This is a formal dispute and legal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), Fair and Accurate Credit Transactions Act ( FACTA ), Gramm-Leach-Bliley Act ( GLBA ), and the California Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.1 et seq. ).

I am demanding an immediate full investigation, verification, and correction of all inaccurate, obsolete, and unverified information appearing on my credit reports dated XX/XX/year>. 

Failure to comply within statutory time limits constitutes willful and negligent noncompliance under FCRA 616617 and Cal. Civ. Code 1785.31, entitling me to statutory damages of {$1000.00} per violation, plus attorneys fees and additional relief.

1. Legal Notice & Conditions 1. FCRA 607 ( b ) requires you to maintain maximum possible accuracy in consumer reports.

2. FCRA 611 ( a ) mandates that reinvestigation be completed and verified with the consumer.

3. FCRA 623 ( a ) ( 2 ) prohibits furnishers from reporting information known to be inaccurate.

4. FDCPA 807 ( 8 ) forbids the false communication of credit information.

5. California Civil Code 1785.25 ( a ) prohibits the furnishing of inaccurate or unverifiable data.

6. FCRA 611 ( a ) ( 2 ) ( B ) mandates direct communication with the consumer during investigations.

7. FACTA 312 requires furnishers to correct and update information.

You are required to contact me in writing before concluding any investigation. Any investigation conducted without my written verification is legally invalid.

2. Disputed Accounts Department of Education Loans Each of the following federal student loans has been falsely reported as 120+ days past due. My records confirm periods of deferment and active repayment. Continued negative reporting violates FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ), FDCPA 807 ( 8 ), and Cal. Civ. Code 1785.25 ( a ).

Account Short # Balance Action Required Dept of Ed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$6000.00} ] Correct all 90120 day late marks ( XXXXXXXX XXXX ) to Pays as Agreed. Delete 180 days past due remark. 
Dept of Ed XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$8100.00} ] Update to current; delete duplicate derogatories. 
Dept of Ed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$8300.00} ] Correct to Paid/On Time. Remove outdated lates. 
Dept of Ed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$6000.00} ] Correct payment history and remove late notations. 
Dept of Ed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$4700.00} ] Update to Pays as Agreed. Delete negative remarks. 
Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$4800.00} ] Correct to Current. Remove prior dispute notation.

Dept of Ed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$2400.00} ] Remove false delinquency ; update to Pays as Agreed. 
Dept of Ed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$2500.00} ] Correct to Pays as Agreed. Verify deferment status. 
Dept of Ed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Balance : {$3800.00} ] Update to accurate current status ; remove obsolete derogatory data.

3. Collection Accounts Unverified and Unlawful Reporting XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX  ] Balance $ [ ____ ] No contract, billing statement, or signed validation links me to this debt. 
No permissible purpose exists for XXXXXXXX XXXX XXXX to access or furnish my consumer data under 15 U.S.C. 1681b ( 2 ), which requires written consumer authorization prior to any credit report access unrelated to a credit transaction.

Reporting or obtaining my data without authorization violates FCRA 604 ( a ) ( 3 ), 607 ( b ), 623 ( a ) ( 2 ) and FDCPA 809 ( b ).

Action : Delete immediately for lack of permissible purpose and validation. 

XXXX Acct # XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] Balance $ [ ____ ] Unverified ; no proof of liability or consent provided. Violates FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ).

Action : Delete or provide full signed validation. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] Balance $ [ ____ ] Account appears re-aged ; no chain-of-title verification. Violates FCRA 605 ( a ) and FDCPA 807 ( 2 ).

Action : Remove entire entry. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX  ] Balance $ [ ____ ] No permissible purpose or validation supplied. Violates FCRA 604 ( a ) and Cal. Civ. Code 1785.25 ( a ).

Action : Immediate deletion required.

4. Closed / Charge-Off Accounts XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Reported as Paid for less than full balance / collection, which is false.

Violates FCRA 607 ( b ) and Cal. Civ. Code 1785.14 ( b ).

Action : Update to Paid in Full / Pays as Agreed. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  [ XXXX XXXX XXXX XXXX  ] Balance {$0.00} Closed positively ; no verified delinquencies.

Action : Report as Closed/ Paid as Agreed.

5. Damages and Remedies Under FCRA 616-617, FDCPA 813, and Cal. Civ. Code 1785.31, I claim {$1000.00} per wrongful or unverified item.

Failure to correct within 15 calendar days will result in complaints to the CFPB, FTC, and California Attorney General, and potential civil litigation for defamation and negligent reporting.

6. Required Action Summary Conduct full reinvestigation with written confirmation to me.

Correct or delete each inaccurate or unverified entry.

Change all late payments to Paid on Time / Never Late.

Provide updated written results and revised reports within 15 days.

Cease all future publication of unverifiable data.

Company response to consumer: Closed with explanation