Consumer complaint received 2025-07-30 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:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : [ XXXX ] Email : [ XXXX ] Date : [ XXXX XXXX XXXX ] * * TransUnion * * XXXX XXXX XXXX XXXX, PA XXXX * * Equifax * * XXXX XXXX XXXX XXXX, GA XXXX * * Experian * * XXXX XXXX XXXX XXXX, TX XXXX * * Subject : * * Formal Dispute and Demand for Immediate Correction of Credit Report Inaccuracies Under FCRA, XXXX XXXX, and International Credit Laws To Whom It May Concern, I am writing to formally dispute the inaccurate, incomplete, and unverified negative information on my credit reports under the following legal frameworks : 1. * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * 2. * * XXXX XXXX Credit Reporting Resource Guide Compliance Standards * * 3. * * Texas Finance Code 392 ( Debt Collection Practices ) * * 4. * * International Credit Laws ( e.g., GDPR Article 17 " Right to Erasure '' for cross-border data inaccuracies ) * * 5. * * XXXX Code Title 15, 1692e ( Prohibition of Misleading Representations in Credit Reporting ) * * # # # * * Critical Issues Identified * * 1. * * Incorrect Derogatory Marks * * - Accounts falsely reported as " Collection/Charge-Off '' ( e.g., XXXX XXXX, XXXX, XXXX XXXX XXXX ) lack proper validation under FCRA 1681i ( a ).

- * * Demand : * * Provide signed contracts or transactional proof for these debts within 30 days or delete them per * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) *. 

2. * * Payment History Errors * * - 54 late payments in TransUnion ( 76 % score impact ) and 10 in Equifax ( 93 % ) are unverified.

- * * Demand : * * Validate each late payment with original creditor timestamps or update to " Paid as Agreed '' per * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) *. 

3. * * Closed Accounts with Negative Status * * - Accounts like XXXX, XXXX XXXX, and XXXX XXXX are closed but inaccurately labeled as delinquent. 
- * * Demand : * * Remove or correct to " Closed by Consumer '' per XXXX XXXX 4.5.2 ( Account Status Codes ). 

4. * * Failure to Investigate Past Disputes * * - Evidence shows disputes were dismissed without proper investigation, violating FCRA 1681i ( a ) ( XXXX ) ( A ). 
- * * Legal Precedent : * * * Equifax XXXX $ XXXX CFPB fine for similar violations *. 

# # # * * Tactical Legal Demands * * 1. * * Immediate Removal of All Unverified Items * * - Per FCRA 1681c ( a ) ( 5 ), unverified derogatory accounts older than 7 years must be deleted. AI-driven audits ( e.g., XXXX RiskView ) confirm these items lack metadata for validation. 

2. * * Restoration to XXXX Credit Score * * - Under Texas Finance Code 392.304, credit bureaus must correct inaccuracies within 30 days. Use AI-powered score modeling ( e.g., FICO Score XD 2.0 ) to simulate removal impact and adjust scores accordingly.

3. * * Monetary Compensation * * - Demand {$10000.00} in statutory damages per FCRA 1681n for willful non-compliance, plus actual damages for denied home/auto loans.

4. * * Third-Party Audit * * - Require audit by a neutral third party ( e.g., XXXX or XXXX ) to confirm XXXX XXXX compliance under 4.3.1 ( Data Accuracy Requirements ).

# # # * * Legal Consequences of Non-Compliance * * Failure to resolve this within * * 30 days * * will result in : - Filing complaints with the CFPB ( No. XXXX ), Texas Attorney General ( Consumer Protection Division ), and FTC. 
- Litigation under FCRA 1681o for negligence and intentional infliction of emotional distress, citing * TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) *. 
- Pursuit of injunctive relief to force systemic credit report corrections. 

# # # * * Conclusion * * This dispute is * * not * * a request but a * * lawful demand * * under FCRA, XXXX XXXX, and international statutes. I expect written confirmation of receipt within 5 days and a full resolution within 30 days. Attached are highlighted credit reports and prior dispute records for expedited review. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief