Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have recently been informed that there is negative information reported by Transunion, Experian, and Equifax is in the file you maintain under my Social Security number. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with name of creditor, collection agency, or court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number Send me proof : Copy of the application for credit as I need to see exactly what debt you are trying to collect.

o Copy of the cardholder agreement ( the contract ) and any amendments as this will show what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me. 

o Monthly statements from when I had a XXXX balance up to the final Statement because I need to see all the charges, payments, credits, etc. to compare this with the cardholder agreement and see if the amount you are claiming is correct.

* What is your authority to collect this debt as I have never done business with you. If you claim to own any debt you claim I owe, give me the full purchase agreement so I can see if you really own this debt.

* Don't call me or anyone else or call my work -- -only communicate in writing.

Your company has also violated FCRA 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes to access my consumer reports, you did not have written permission of the consumer. 

XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

2. The following inquiry is more than two years old, and I would like it removed XXXX Account Number : XXXX XXXX XXXX  Please remove it from my credit report. 

3. The following inquiry is more than two years old, and I would like it removed XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within the five days ( 5 ) days of the completion of your re-investigation. I Do Not Consent To E-Oscar or Any Means of Automated Verification or Validation. If there is no contract that can be provided, then complete deletion and permanent blocking.

1. Defamation of not only my character but also my report 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim 's actions. I am including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX, XXXX CC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CXXXX XXXX XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Thank you,

Company response to consumer: Closed with explanation