Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
I am writing to formally dispute several accounts that are listed on my credit report, which I believe to be inaccurate, incomplete, unverifiable, and/or in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

As a consumer, I am exercising my rights under Section 611 of the FCRA to request that these accounts be fully investigated, verified, or permanently removed if they can not be substantiated within the required 30-day timeframe. Furthermore, if any of the listed accounts stem from a third-party debt buyer or collection agency, I demand validation under Section 809 of the FDCPA. If the accounts can not be validated, they must be removed from my credit file. 

Disputed Accounts : XXXX. XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$7400.00} Status : Charged Off {$5900.00} written off This account is inaccurate and unverifiable. Please delete unless you can provide complete documentation showing the original agreement, payment history, and ownership chain. 



XXXX. XXXX XXXX Opened : XX/XX/XXXX | Balance : {$1500.00} Status : Charged Off {$1500.00} written off No validation has been provided for this account. As such, it must be removed under 15 U.S.C. 1681i. 



XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$3400.00} Status : Charged Off {$5200.00} written off This account appears inconsistent and may contain outdated or incorrect information. Delete unless verified with original records. 



XXXX XXXX Opened : XX/XX/XXXX | Status : Paid in settlement This item does not reflect the proper legal status post-settlement. It must be updated or removed under the FCRA 's accuracy requirement. 



XXXX XXXX Opened XXXX XX/XX/XXXX | XXXX : {$830.00} | Status : Closed Please confirm the completeness and accuracy of this account. If unverifiable, remove immediately. 



XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$2100.00} This is a debt buyer. Under FDCPA 809, they must validate the debt. If no full validation is available, it must be removed. 



XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$1800.00} XXXX request immediate investigation. If not fully verified, this must be deleted. 



XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$7000.00} As a third-party collector, XXXX must provide validation. If not, this account violates FDCPA and must be removed. 

In accordance with FCRA Section 611 ( a ), you have 30 days from the receipt of this letter to conduct a reasonable investigation. If these items can not be fully verified by the original creditor or debt owner ( not just the current furnisher ), they must be deleted. 

Also, please send me written confirmation of the results of your investigation and an updated copy of my credit report showing the outcome. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX SSN ( Last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief