Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX And TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Inaccurate Account Account in Dispute : XXXX XXXX  {$9400.00} Dear Equifax and TransUnion Dispute Departments, I am writing to formally dispute the account listed under XXXX XXXX  ( XXXX  ) in the amount of {$9400.00}, currently appearing on my credit reports with your respective agencies. I am requesting the immediate and permanent deletion of this account due to concerns regarding its accuracy, legal validity, and compliance with federal consumer protection laws. 

Legal Grounds for Deletion : 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy You are required to follow reasonable procedures to ensure the maximum possible accuracy of reported information. This account fails to meet that standard and appears to be either inaccurate, unverifiable, or improperly reported. 
15 U.S.C. 1681i Reinvestigation of Disputed Information Upon receipt of a dispute, a consumer reporting agency must reinvestigate and delete any information that can not be verified within 30 days. If this account lacks proper documentation, it must be removed.

15 U.S.C. 1681b Permissible Purpose All data included in a consumer credit file must serve a legitimate, legally permissible purpose. If this account is inactive, uncollectible, or lacks contractual validation, it should not remain on file.

31 U.S.C. 5118 Unlawful or Invalid Obligations Debts not backed by lawful origination or enforceable contracts are not binding and must not be reported.

15 U.S.C. 1681s-2 ( b ) Furnishers Duty to Investigate Furnishers of data must conduct a good-faith investigation of disputed accounts and correct or delete any inaccurate or unverifiable information. 

My Formal Requests : Immediately delete the XXXX XXXX  ( XXXX {$9400.00} ) account from my Equifax and TransUnion credit reports. 
Provide written documentation showing the original signed contract and legal basis for reporting this account. 
If you can not provide such documentation, this account must be permanently removed from my credit file. 
Block reinsertion of this account unless it is fully verified under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Send me written confirmation detailing the results of your reinvestigation and any changes made to my credit report. 
Should either bureau fail to comply within the 30-day timeframe required by law, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursue all remedies available to me under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with the Fair Credit Reporting Act. 

Thank you for your prompt attention. I expect a lawful and timely resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief