Consumer complaint received 2025-08-26 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : [ Todays Date ] Via Certified Mail Return Receipt Requested TO : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX RE : FORMAL FCRA & FDCPA FACTUAL BASIS DISPUTE DEMAND FOR PERMANENT DELETION E-OSCAR Codes Listed for Each Account Below No XXXX Used To Whom It May Concern : This is a formal, legally-binding dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 1681i ( a ), 1681e ( b ), 1681s-2 ( b ) ( 1 ) ( A ) ), the Fair Debt Collection Practices Act, UCC 9-610 through 9-628 , and all other applicable state and federal statutes. I am not a credit repair company. I am the consumer, the aggrieved party, and I will initiate federal litigation without delay if these accounts are not deleted from all credit files immediately. 
Cited Case Law : - XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must conduct a reasonable reinvestigation and can not rely solely on furnishers data. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to verify through lawful reinvestigation violates 1681s-2 ( b ). - XXXX Confirms creditor liability for furnishing unverified, inaccurate information. 
Demand for Verification Details For each disputed account listed below, furnish documented proof that you verified the accuracy of the data, including : 1. Where is your proof? 2. What system did you access? 3. Date and time of access. 4. How did you review the actual original records?

Disputed Accounts & E-OSCAR Codes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Experian & Equifax Reporting - E-OSCARCodes : 112 ( Not mine ), 140 ( Inaccurate information ), 198 ( Duplicate account ) 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} Equifax Reporting - E-OSCAR Codes : 112 ( Not mine ), 140 ( Inaccurate information ), 198 ( Duplicate account ) XXXX. XXXX Acct # XXXXXXXX XXXX {$970.00} Experian Reporting - E-OSCAR Codes : 112 ( Not mine ), 140 ( Inaccurate information ) XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Open Multiple Late Payments - E-OSCAR Codes : 163 ( Never late ), 176 ( Payment history incorrect ), 166 ( Date of last payment incorrect ) XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX {$2100.00} Multiple Late Payments Closed - E-OSCAR Codes : 112 ( Not mine ), 140 ( Inaccurate ), 166 ( Date of last payment incorrect ) XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Closed Negative Account - E-OSCAR Codes : 112 ( Notmine ), 140 ( Inaccurate information ) Legal Basis for Immediate Deletion : 1. 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirement. 2. 15 U.S.C. 1681i ( a ) Reinvestigation obligations upon dispute. 3. 15 U.S.C. 1681s-2 ( b ) Prohibition against furnishing inaccurate information after notice. 4. 15 U.S.C. 1692f & 1692f ( 8 ) Unfair collection activity. 5. 15 U.S.C. 1666b Prohibits misclassification of timely payments as late. 6. UCC 9-6109-628 Requires proof of lawful assignment, notice, and commercial reasonableness in debt sales. 
This is not a stall letter. You have 15 days from receipt of this notice to permanently delete these accounts and all associated late payments from my credit files. Failure to comply will result in federal legal action for each statutory violation, seeking statutory damages, punitive damages, attorney fees, and any other relief allowed by law. 
No further disputes will be sent this is your final notice. 
Sincerely, XXXX XXXX XXXX Exhibit A Proof of Identity attached Exhibit A Proof of Identity Driver License, Social Security Card

Company response to consumer: Closed with explanation