Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
THIRD WARNING FINAL NOTICE BEFORE LITIGATION FORMAL FCRA COMPLAINT DEMAND FOR INVESTIGATION NON-OWNERSHIP NOTICE INTENT TO SUE Date : XX/XX/XXXX From : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To : ( Send separately to each bureau ) Equifax Information Services LLC XXXX XXXX Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX SUBJECT : THIRD WARNING FINAL NOTICE BEFORE LITIGATION ( FCRA 1681n, 1681o ) To Whom It May Concern, This letter constitutes my THIRD FORMAL NOTICE AND FINAL WARNING PRIOR TO LITIGATION. You are in receipt of prior disputes regarding inaccurate, incomplete, and unverifiable information appearing on my consumer credit file. Despite those notices, you have failed to conduct a lawful investigation, correct, or delete the disputed items as required by federal law.

You are hereby placed on formal notice that continued reporting of the items listed below constitutes willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

ACCOUNT OWNERSHIP DISPUTE THIS ACCOUNT IS NOT MINE I hereby formally dispute ownership and responsibility for all accounts listed in this notice. These accounts are NOT MINE, were not opened by me, and were not authorized by me. I did not sign any contract, application, or agreement for these alleged debts, nor did I receive any goods, services, or benefit from them.

Any continued reporting of these accounts as mine is false, inaccurate, and misleading and constitutes willful and negligent noncompliance with federal law unless and until you produce original creditor documentation bearing my signature and a complete chain of title proving legal authority to report.

DISPUTED ACCOUNTS IMMEDIATE INVESTIGATION & DELETION REQUIRED The following accounts are inaccurate, unverified, and unlawfully reported and must be permanently deleted unless fully validated with original creditor documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$600.00} UNAUTHORIZED / UNVERIFIED HARD INQUIRIES The following inquiries were not authorized, lack permissible purpose, and must be deleted unless lawful authorization is produced : XXXX XXXX XXXX  ( multiple ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MANDATORY  ORIGINAL CREDITOR DOCUMENTATION REQUIRED ( FCRA 609 & 611 ) Pursuant to FCRA 609 ( 15 U.S.C. 1681g ) and FCRA 611 ( 15 U.S.C. 1681i ), you are legally required to provide ALL of the following for each disputed account : The original creditors name and address The original signed contract or application bearing my signature Complete account history and payment ledger Chain of title / assignment proving legal ownership and authority to report The Date of First Delinquency ( DOFD ) XXXX compliant reporting records Proof of permissible purpose under FCRA 604 ( a ) ( 2 ) The method of verification, including furnisher name, address, and phone number Generic statements, screenshots, affidavits, or third-party summaries DO NOT satisfy FCRA verification requirements.

Failure to produce the above requires immediate and permanent deletion.

EXTREME CREDIT LAW AUTHORITY ( GOVERNING STATUTES ) This dispute a

nd investigation demand are governed by, but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681e ( b ) Failure to maintain reasonable procedures for maximum possible accuracy 1681g ( FCRA 609 ) Right to full file disclosure and source documentation 1681i ( a ) Failure to conduct a reasonable reinvestigation 1681i ( a ) ( 5 ) Prohibition against reinsertion without certification and notice 1681i ( a ) ( 6 ) ( 7 ) Right to investigation results and method of verification 1681s-2 ( b ) Furnisher duty to investigate disputed information 1681n Civil liability for willful noncompliance 1681o Civil liability for negligent noncompliance Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692e False or misleading representations 1692f Unfair or unconscionable practices 1692g Debt validation requirements LEGAL NOTICE INTENT TO SUE FOR DAMAGES If you fail to comply with FCRA 611 ( 15 U.S.C. 1681i ) by conducting a lawful investigation and correcting or deleting the disputed items, I will proceed with civil litigation seeking : Statutory damages Actual damages Punitive damages ( for willful violations ) Attorneys fees and court costs This constitutes final notice. No further informal attempts will be made.

REQUIRED ACTION Within the timeframe mandated by federal law, you must : Complete a lawful reinvestigation Permanently delete all unverifiable items Provide written confirmation of deletions Provide the method of verification Send an updated consumer credit report All communication must be in writing only and mailed to the address above.

This letter is sent in good faith as a final attempt to resolve this matter. Failure to comply will result in immediate legal action. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation