Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive reviewed your XXXX Credit Report and XXXX all the negative and derogatory items so we can prepare targeted dispute letters under the FCRA and FDCPA. 
Summary of Negative / Derogatory Items Experian XXXX XXXX XXXX Closed XX/XX/XXXX Balance {$0.00} Limit {$2500.00} Late : 30 days ( XXXX ), 60 days ( XXXX ) XXXX Credit Report XXXX XXXX XXXX XXXX Now Closed XX/XX/XXXX Past due {$760.00} Collection/Charge-off XXXX Credit Report & Scores EDC/Esusu/Sands Closed XX/XX/XXXX XXXX {$0.00} XXXX XXXX but XXXX XXXX XXXX Credit Report & Scores Equifax XXXX Current Orig. {$9400.00} Paid, but verify history XXXX Credit Report XXXX XXXX XXXX XXXX XX/XX/XXXX Past due {$4700.00} Collection/Charge-off XXXX Credit Report & Scores XXXX Funding Balance {$130.00} XXXX 120 days XXXX XXXX Credit Report & Scores Account XXXX Closed XX/XX/XXXX Past due {$280.00} Collection/Charge-off XXXX Credit Report XXXX XXXX TransUnion XXXX Funding Balance {$130.00} Collection/Charge-off XXXX Credit Report & Scores XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Report XXXX ScoresRE : SECOND WRITTEN REQUEST FAILURE TO VERIFY DEMAND FOR IMMEDIATE XXXX XXXX XXXX XXXX XXXX XXXX, LATE PAYMENTS, AND INQUIRIES This is my SECOND WRITTEN REQUEST demanding that you delete the unverified accounts, collections, charge-offs, late payments, and inquiries listed below that remain on my credit report in violation of 15 U.S.C. 1681. Under the FCRA, you are required to properly verify the accuracy of any item you report. 
In your first reinvestigation, you claimed these items were verified and reported correctly. I am demanding : XXXX. The exact documents used to verify these items XXXX. The name of the employee who verified them XXXX. Their business address and phone number XXXX. Proof that the verifier has first-hand knowledge of the accounts and inquiries. 
XXXX XXXX XXXX defines verify as to prove to be true ; to confirm by oath or affidavit. Without sworn, authenticated documentation proving these items belong to me and are accurate, you have not verified them. 
You have failed to produce the documents I requested. This means you either did not verify or can not verify these items. Under Section XXXX ( XXXX ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. 
If you fail to comply, you are liable for negligent noncompliance under Section XXXX. I will pursue litigation to enforce my rights under the FCRA. 
The following items must be verified or deleted immediately : - XXXX XXXX XXXX Closed XX/XX/XXXX {$0.00} Balance - GET IT NOW Collection/Charge-Off Closed XX/XX/XXXX {$760.00} Past Due - XXXX Closed XX/XX/XXXX {$0.00} Balance - XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX - XXXX XXXX  Inquiry XX/XX/XXXX - CAP XXXX NA Inquiry XX/XX/XXXX - XXXX XXXX Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - EXXXX XXXX XXXX XXXXnquiry XX/XX/XXXX - XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief