Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
URGENT - Formal Dispute & Demand for Immediate Deletion of Inaccurate and Unverified Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : URGENT - Formal Dispute & Demand for Immediate Deletion of Inaccurate and Unverified Accounts Due to Severe Hardship To Whom It May Concern, I am writing to formally dispute multiple inaccurate, unverifiable, and outdated items on my credit report. These errors are causing me extreme hardship, including denial of housing, financial opportunities, and an unfairly damaged credit score. 
I am at immediate risk of homelessness because landlords are denying my applications based on these false and outdated reports. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I demand an immediate investigation and deletion of these accounts within 30 days, or I will escalate the matter legally. 
ACCOUNTS IN DISPUTE - DEMAND FOR DELETION Charge-Offs ( Unverified & Inaccurate Reporting Violations ) - XXXXXXXX XXXX - Account # : XXXX - Balance : {$7800.00} - Violation : This charge-off is reporting an incorrect balance, violating 15 U.S.C. 1681c ( a ) ( 4 ). 
- If Equifax can not obtain original signed documentation from XXXX ( not just third-party collectors ), this account must be deleted immediately. 
- XXXXXXXX XXXX - Account # : XXXX - Balance : {$820.00} - Violation : This account contains re-aging violations under 15 U.S.C. 1681c ( c ). 
- If it can not be fully verified, it must be deleted immediately. 
Collection Accounts ( Failure to Validate, No Proof of Debt, Re-Aging Violations ) - XXXX XXXX XXXX- Account # : XXXX ( Original Creditor : XXXX ) - Balance : {$900.00} - Violation : The collection agency has failed to provide validation of this debt, violating 15 U.S.C. 1692g. 
- If they can not provide original signed documents, Equifax must delete this account immediately. 
- XXXX XXXX XXXX - Account # : XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$640.00} - Violation : This account appears to have been re-aged, violating FCRA 1681c ( a ) ( 4 ). 
- If Equifax can not provide full proof of ownership, this account must be deleted. 
- XXXX XXXX XXXX - ( Multiple Accounts ) - Account # : XXXX ( Original Creditor : XXXX XXXX  ) - Balance : {$580.00} - Account # : XXXX ( Original Creditor : XXXX XXXX ) - Balance : {$880.00} - Account # : XXXX ( Original Creditor : XXXX XXXX  ) - Balance : {$1500.00} - Account # : XXXX ( Original Creditor : XXXXXXXX XXXX ) - Balance : {$870.00} - Account # : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) - Balance : {$1000.00} - Account # : XXXX ( Original Creditor : XXXX XXXX. ) - Balance : {$2000.00} - Violation : These accounts are owned by a debt buyer that has failed to provide original signed documentation. 
- If Equifax can not verify the legitimacy of these accounts, they must be removed immediately. 
- XXXX XXXX XXXX - Account # : XXXX ( Original Creditor : XXXX XXXX ) - Balance : {$550.00} - Violation : This account was previously disputed, and under 15 U.S.C. 1681s-2 ( a ) ( 3 ), it must be marked as disputed. 
- If Equifax can not verify its accuracy, it must be deleted. 
VIOLATIONS THAT REQUIRE DELETION * Re-Aging of Accounts- Some collection accounts have fraudulently updated dates to appear newer, violating FCRA 1681c ( a ) ( 4 ). 
* Duplicate & Unverified Reporting - Some accounts are appearing more than once, violating 15 U.S.C. 1681a. 
* Failure to Provide Debt Validation - Debt collectors must provide validation upon request under 15 U.S.C. 1692g. If they fail to prove the debt, the accounts must be removed. 
HARDSHIPS CAUSED BY THESE ERRORS- I have been denied multiple housing applications because of these false and outdated accounts. 
- I am struggling financially and unable to secure stable housing for myself. 
- I am at immediate risk of homelessness if these errors are not corrected. 
Equifax has a legal obligation under FCRA 1681e ( b ) to ensure maximum possible accuracy in reporting. These violations must be corrected immediately to prevent further harm. 
MY LEGAL RIGHT TO A REINVESTIGATION Under 15 U.S.C. 1681i, Equifax must reinvestigate these accounts within 30 days. If any account can not be 100 % verified with original documentation, you must delete them immediately. 
Failure to comply will result in the following actions : * A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) * A formal complaint with the Federal Trade Commission ( FTC ) * A complaint to my State Attorney General 's office * Legal action for damages caused by Equifax 's inaccurate and negligent reporting DEMAND FOR IMMEDIATE ACTION * Delete all inaccurate, unverifiable, and outdated accounts from my credit file immediately. 
* Provide me with an updated credit report reflecting these deletions. 
* If you believe any accounts are valid, provide me with ALL supporting documentation, including original signed agreements, detailed payment history, and proof of validation. 
This letter serves as formal legal notice under FCRA and FDCPA. If I do not receive confirmation of deletion within 30 days, I will proceed with legal action and regulatory complaints. 
I request a swift response, as my ability to secure safe and stable housing depends on the immediate resolution of these issues. 
**Why I Am Filing Through the CFPB : ** I have made multiple attempts to resolve these inaccuracies directly with Equifax , yet my disputes have been ignored or improperly handled. Equifax has failed to verify these accounts using **original signed documentation** as required by **15 U.S.C. 1681i**, which constitutes a violation of my rights under the Fair Credit Reporting Act. Due to this negligence, I am now filing my dispute through the **Consumer Financial Protection Bureau ( CFPB ) ** to ensure full compliance with federal law.

Company response to consumer: Closed with non-monetary relief