Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Subject : Follow-Up Dispute Verification Failure to Comply with FCRA and TILA ( XXXX XXXXXXXX XXXX ) To Whom It May Concern, This letter serves as a formal follow-up complaint and demand for immediate correction of erroneous information being reported by Equifax regarding the accounts listed below. These accounts continue to appear on my credit report despite prior disputes, and the reporting is factually inaccurate, inconsistent, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

ACCOUNT TO BE DELETED IMMEDIATELY : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Issue : Equifax shows this account as charged off, but also indicates " consumer disputes reinvestigation in progress. '' Furthermore, high credit limits and charge-off amounts differ from XXXX and XXXX. This inconsistency violates the requirement of maximum possible accuracy and constitutes an unresolved dispute under federal law. 

LEGAL VIOLATIONS COMMITTED BY EQUIFAX : 15 U.S. Code 1681i Failure to Investigate Accurately Equifax did not provide a valid or complete reinvestigation after I submitted a dispute. No proof of a thorough process or final findings was provided within the required timeframe.

15 U.S. Code 1681e ( b ) Inadequate Compliance Procedures Equifax failed to use reasonable procedures to assure the maximum possible accuracy of my credit report. The inconsistencies in status, balances, and reporting timelines reflect a failure of internal control.

15 U.S. Code 1681s-2 Failure of the Furnisher to Correct Equifax continues to report inaccurate data from furnishers who have failed to validate the disputed information. These furnishers have not corrected or proven the validity of the information.

15 U.S. Code 609 ( a ) ( 1 ) ( A ) Failure to Provide Verification I have not received original documentation or consumer-signed contracts to support the accuracy of these accounts. Without physical verification, Equifax has no legal basis to continue reporting them.

15 U.S. Code 1681i ( 7 ) Description of Investigation Not Provided Equifax has not delivered a written description of the reinvestigation process or findings within 15 days as required.

Truth in Lending Act ( TILA ), 15 U.S. Code 1601 Lack of Transparency and Accuracy The reporting of these accounts lacks transparency, is misleading, and fails to reflect truthful account history, which violates consumer protections under TILA.

Public Law 91-508, Title VI, Section 611 A-D Improper Retention of Disputed Data Equifax failed to remove incomplete or unverifiable information, contrary to their legal obligations. 

RESOLUTION DEMANDED : I am demanding that Equifax immediately delete XXXX XXXX XXXX account from my credit file due to Equifaxs failure to comply with multiple provisions of federal law as outlined above.

If Equifax fails to comply, I will submit a formal complaint to the Federal Trade Commission ( FTC ), and reserve the right to pursue legal action under the FCRA and TILA.

Thank you for your immediate attention to this matter. I request a written confirmation of deletion within 15 calendar days from the date of this letter.

Company response to consumer: Closed with non-monetary relief