Consumer complaint received 2025-05-16 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, This is a final formal dispute and legal demand for reinvestigation and permanent deletion of multiple late payment entries listed under my name and Social Security Number on my credit report. These entries are harming my credit profile and remain on record despite being inaccurate, unverifiable, and reported in violation of federal law. 
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand immediate correction or deletion. If you or the furnishers listed below can not validate these entries using original billing records and signed agreements, they must be deleted without delay. 
ACCOUNTS IN DISPUTE LATE PAYMENTS XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$87000.00} Issue : Late payment reporting lacks validation and is not supported by original billing history or contractual records. This constitutes willful misreporting if not corrected. 
XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balances : {$4000.00} & {$5500.00} ( TWO entries ) Issue : Duplicated entries, inconsistent balances, and no proof of delinquency, deferment denial, or required servicer communication under federal student loan rules. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$14000.00} Issue : Late payment appears without attached payment history, billing cycle, or hardship-related explanation. Verification has not been provided. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balances : {$4000.00} & {$5500.00} ( FOUR total entries ) Issue : This account has been duplicated across multiple furnishers with conflicting balances. Metro 2 guidelines prohibit multiple tradeline entries for a single obligation. These are likely duplicate or split tradelines, which are not only misleading but unlawful. 
APPLICABLE FEDERAL VIOLATIONS You are now in violation of multiple federal laws : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to reinvestigate and correct errors FCRA 1681s-2 ( b ) : Duty of furnishers to report only accurate, verifiable data FCRA 1681c : Reporting of outdated, obsolete, or duplicate negative data Metro 2 Guidelines : Improper split/duplicate tradeline reporting FDCPA ( if applicable ) : Failure to provide debt validation on request If you can not validate the delinquency with actual records, including the original billing statement, delinquency date, payment history, forbearance/reinstatement denials, and signed agreement, you are legally obligated to permanently delete these entries.

FINAL DEMANDS 10-DAY RESPONSE WINDOW You are hereby instructed to complete the following actions within 10 calendar days : 1. Conduct a line-by-line reinvestigation of all disputed accounts 2. Delete any late payment entries that can not be verified with original records 3. Provide written confirmation of account removal and furnishers contacted 4. Send an updated credit report reflecting accurate and corrected information Failure to comply will result in immediate regulatory escalation, including : Formal complaint to the Consumer Financial Protection Bureau ( CFPB ) Violation report to the Federal Trade Commission ( FTC ) Legal notice to the Missouri Attorney General Legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including actual and punitive damages LEGAL RIGHT TO DRAFT & DISPUTE You may not reject, delay, or ignore this dispute based on assumptions about authorship or use of third-party support. Under the FCRA, I am entitled to submit a legally valid dispute by any lawful means. Any refusal to investigate will be treated as intentional obstruction and a violation of my consumer rights.

Do not respond with form letters or vague statements. Provide real results, verified data, or delete the reporting. This is your final opportunity to comply voluntarily before I escalate to litigation and enforcement. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief