Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
Since Experian and Equifax have failed to remove the fraudulent accounts, provided contradictory reporting, refused to provide documentation verifying the debts, and engaged in stalling tactics, this letter serves as FINAL NOTICE before legal action. 

Instructions : Send this letter via Certified Mail with Return Receipt to Experian & Equifaxs Legal Departments. 
Attach all previous dispute letters, identity theft reports, and their contradictory responses ( including the ones you uploaded ). 
If they fail to comply within XXXX business days, immediately file a lawsuit. 


To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : FINAL NOTICE Immediate Deletion of Fraudulent Accounts & Cease Stalling Tactics To Whom It May Concern, I am demanding the immediate deletion of the fraudulent XXXX XXXX XXXX and XXXX XXXX accounts from my Experian and Equifax credit reports due to multiple serious violations of the Fair Credit Reporting Act ( FCRA ) and IRS XXXX XXXX. 

Despite my previous disputes, both agencies have : Failed to provide legally required verification documents ( FCRA XXXX & XXXX ) Failed to remove the fraudulent accounts within XXXX business days, violating FCRA XXXX Reported contradictory and inaccurate information in violation of FCRA XXXX ( b ) Continued to report these accounts even after acknowledging they were purchased by another lender Delayed resolution by repeatedly requesting the same documents I already provided Sent misleading letters claiming payment history has been updated despite no legal verification These actions are deliberate noncompliance and willful violations of federal law. 

EXPERIAN & EQUIFAX VIOLATIONS XXXX Contradictory Reporting Purchased by Another Lender But Still Reporting a Charge-Off ( FCRA XXXX ( b ) ) Experians report states : Completed investigation of FCRA dispute - consumer disagrees. Purchased by another lender. 
Equifax also continues to report the same charge-off. 
If XXXX sold the debt, they no longer own it and can not legally report it. 
If the debt was forgiven or canceled, a XXXX form should have been issued, which I have not received. 
This violation of accuracy requirements under FCRA XXXX ( b ) proves both agencies are reporting false information that must be deleted immediately. 

Immediate Action Required : Remove these accounts immediately, as you can not legally report a charge-off on a debt that has been sold. 

XXXX Failure to Provide Verification Documents ( FCRA XXXX & XXXX ) I have requested proof that I owe this debt, including : A signed contract proving I authorized this account Payment records or validation from the original creditor Any documentation proving a valid debt obligation exists in my name Neither Experian nor Equifax has provided any of these documents, meaning the account must be deleted immediately under FCRA XXXX ( a ) ( XXXX ). 
Your refusal to provide proof while continuing to report these accounts is a direct violation of my consumer rights. 

XXXXmmediate Action Required : Provide ALL documentation used to verify this account. If you can not verify, delete it immediately. 

XXXX Failure to Remove Fraudulent Accounts Within XXXX Business Days ( FCRA XXXX ) I submitted a valid identity theft report and supporting documentation on XX/XX/year>. 
FCRA XXXX requires credit bureaus to block fraudulent accounts within XXXX business days. 
It has now been over XXXX  days, and these accounts remain on my reports, meaning both Experian and XXXX are in willful violation of this federal law. 

Immediate Action Required : Remove these accounts within XXXX business days, or I will proceed with legal action. 

XXXX Deliberate Stalling Tactics & Repetitive Documentation Requests I have already provided : A valid identity theft report Government-issued ID Proof of residence & other supporting documents Despite this, Experian and Equifax continue to request the same documents, which is a stalling tactic and violates FCRA XXXX. 
Stop sending misleading letters stating payment history has been updated when the dispute is about fraudulent and unverifiable reporting. 

Immediate Action Required : Cease all future requests for the same documents I have already provided. Stop sending misleading responses to avoid compliance. 

FINAL DEMAND YOU HAVE XXXX BUSINESS DAYS TO COMPLY I am giving Experian and Equifax exactly XXXX business days from the date of this letter to : XXXX Immediately and permanently delete the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX Provide a written confirmation stating the accounts have been removed and will not be reinserted. 
XXXX Cease all further reporting of these accounts and notify any collection agencies that these accounts must not be sold, reassigned, or reported in any form. 
XXXX Cease sending misleading letters claiming updates have been made to payment history when the dispute is regarding identity theft and unverifiable reporting. 
XXXX Stop requesting documentation that has already been provided. This is a delay tactic and a violation of my rights. 

LEGAL ACTION IF YOU FAIL TO COMPLY If Experian and Equifax fail to comply within XXXX business days, I will take the following actions without further notice : File a XXXX XXXX Experian XXXX Equifax in Small Claims or Federal Court Under FCRA XXXX & XXXX, I will sue for : {$1000.00} per violation ( statutory damages ) Additional damages for harm to my creditworthiness Court costs & legal fees File Additional Complaints with Federal and State Agencies Consumer Financial Protection Bureau ( CFPB ) request fines & enforcement action. 
Federal Trade Commission ( FTC ) request an investigation into repeat violations. 
My State Attorney Generals Office request legal action for consumer protection violations. 
XXXX XXXX XXXX XXXX ( XXXX ) report noncompliance with industry standards. 

Publicly Report Experian & Equifaxs XXXX I will share documented evidence of your failures on consumer protection forums, credit reporting complaint sites, and social media. 

FINAL WARNING This letter serves as your final opportunity to resolve this matter before legal action is taken. If I do not receive written confirmation that the accounts have been deleted within XXXX business days, I will immediately file suit and pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ) and IRS XXXX XXXX. 

I expect your urgent attention to this matter and a response within XXXX business days confirming the deletion of these accounts.

Company response to consumer: Closed with explanation