Consumer complaint received 2025-07-28 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:
RE : FORMAL DISPUTE OF INACCURATE, UNVERIFIABLE, AND OBSELETE INFORMATION DEMAND FOR PERMANENT DELETION UNDER FEDERAL LAW To Whom It May Concern : This letter serves as my formal dispute and demand for immediate removal of the following negative items from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and relevant federal codes. 

XXXX XXXX XXXX  Negative Accounts in Dispute : XXXX XXXX XXXX XXXX Account Violates 15 U.S.C. 1692g ( b ) Debt validation not provided upon request.

Violates 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting. 

This debt is unverified and must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX ) Collection Account Violates 15 U.S.C. 1681s-2 ( a ) ( 3 ) Furnisher failed to report the account as in dispute.

Violates 15 U.S.C. 1681b ( a ) ( 2 ) No permissible purpose to continue reporting a disputed account. 

Demand for immediate deletion due to non-compliance and inaccurate balance history. 

XXXX XXXX ( XXXX ) Charge-Off Violates 15 U.S.C. 1635 and 12 CFR 1026.13 Lack of accurate charge-off validation and billing error correction. 

Unverifiable and incorrectly aged account. Remove under 15 U.S.C. 1681c ( a ) ( 4 ) Obsolete information. 

XXXX XXXX XXXX XXXX XXXX Violates 15 U.S.C. 1681b ( a ) ( 2 ) No current permissible purpose.

Failure to verify lien deficiency details and repossession terms = material incompleteness.

Must be removed for violating 15 U.S.C. 1681e ( b ). 

XXXX / XXXX XXXX This item violates XXXX5 U.S.C. 1692g No full validation provided upon notice.

Incomplete reporting on dates and payment history15 U.S.C. 1681e ( b ) violation. 

Remove as unverified and inaccurate. 

Eviction Record ( XXXX or XXXX ) Public Record Incomplete and not reported with proper verification and notification15 U.S.C. 1681s-2 ( a ) ( 3 ).

15 U.S. Code 1681c requires obsolete public records over 7 years to be removed.

15 U.S.C. 1681e ( b ) also mandates that reporting agencies ensure maximum accuracy. 

DEMAND FOR ACTION : As required by federal law, you have 30 days to conduct a reasonable investigation. If the accounts listed can not be fully verified with supporting documentation ( contract with my signature, complete payment history, etc. ), they must be permanently deleted under : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If unverifiable, must delete.

15 U.S.C. 1681e ( b ) Inaccurate data must be corrected or removed.

15 U.S.C. 1681c ( a ) Obsolete items must not appear. 

If you continue to report unverifiable or inaccurate information, I will file formal complaints with the CFPB, FTC, and state attorney general and seek damages under 15 U.S.C. 1681n & 1681o for willful and negligent noncompliance.

Requested Remedy : Immediate deletion of all disputed items Reinvestigation confirmation and written response within 30 days Updated report mailed to the address above Please treat this matter with the urgency and legal seriousness it demands. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation