Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
This is my third formal dispute concerning the inaccurate and unverifiable reporting of the following account on my Equifax credit report. Despite previous disputesLetter XXXX dated XX/XX/XXXX and Letter XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX you have failed to investigate properly, correct the inaccurate reporting, or provide adequate validation, as required by law. 

Furthermore, this account has been formally reported as part of an identity theft claim, and your ongoing reporting of this derogatory information constitutes a willful and repeated violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

As a result of your continued failure to comply, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). If this matter is not resolved immediately, I will escalate the issue even further to additional regulatory authorities, legal representatives, and federal oversight entities to seek appropriate relief and accountability. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX  Partial Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} Status : Collection/Chargeoff ( Derogatory ) Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Account previously in dispute now resolved by data furnisher Dispute Issues : You continue to report a derogatory account that is part of an identity theft investigation, without validating the debt or providing supporting documentation. 

The account has been labeled resolved without giving me access to verification records, contracts, or original creditor information. 

Your reporting is inaccurate, incomplete, and unverified, and you are knowingly maintaining it despite being alerted multiple times.

Violations of Federal Law Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) : Failure to conduct a lawful reinvestigation within 30 days.

1681i ( a ) ( 6 ) ( B ) : Failure to issue results of the reinvestigation.

1681i ( 7 ) : No disclosure of your investigation process provided.

1681e ( b ) : Failure to ensure maximum possible accuracy.

1681s-2 ( b ) : Continued reporting of inaccurate and disputed information after notice.

609 ( a ) ( 1 ) ( A ) & ( 2 ) : Failure to disclose sources and full information used in reporting.

616 & 617 : You are now subject to civil liability for both willful and negligent violations.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) : Failure to provide full and accurate disclosure of account history.

15 U.S.C. 1666 ( b ) : Failure to correct billing-related errors in a timely manner.

15 U.S.C. 1640 : Civil liability for damages resulting from noncompliance.

Other Legal Breaches 15 U.S.C. 1692e ( 8 ) FDCPA : Knowingly reporting disputed or false information without proper labeling.

12 U.S.C. 5531 ( c ) : Violations of the Consumer Financial Protection Act due to deceptive or abusive practices.

Public Law 91-508, Title VI, 611 ( A ) - ( D ) : Failure to provide valid documentation for reinsertion or continuation of disputed data. 

Final Warning Legal Escalation Pending You are now formally demanded to : Permanently delete the XXXX  XXXX XXXX  account from my Equifax credit file. 

Send me written confirmation of deletion within XXXX business days. 

Provide a complete reinvestigation report, including supporting documents, contracts, and source information. 

Please be advised that this situation is causing me severe psychological and emotional distress, as well as ongoing harm to my financial reputation. Your continued mishandling of this dispute is not only unlawful, but also abusive and damaging to my well-being. 

If this matter is not resolved promptly and in accordance with the law, I will pursue all available remedies, including : Civil action for damages Claims for emotional distress and punitive damages Legal injunctions Attorneys fees and court costs This letter constitutes a final notice before legal action. You are now officially on record for knowingly and repeatedly violating my consumer rights.

Company response to consumer: Closed with explanation