Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am filing this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. My Equifax report, dated XX/XX/XXXX, contains numerous inaccurate, outdated, and unverifiable derogatory entries, including a dismissed XXXX XXXX XXXX unauthorized hard inquiries, and multiple charge-off and collection accounts that are either factually incorrect or conflict with Metro 2 coding. 

Equifax continues to : Report a dismissed XXXX XXXX XXXX ( Case # XXXX ) that was sourced from XXXX, a third-party vendor that is not the original court of record. 

Leave unresolved disputes in a perpetual state of under reinvestigation, violating FCRA 1681i ( a ).

Retain unauthorized hard inquiries that were made without my consent in violation of FCRA 1681b ( f ).

Misreporting account statuses after closure or payment ( e.g., reporting charge-off or collection on {$0.00} balance accounts ) violates Metro 2 guidelines and FCRA 1681e ( b ). 

Equifax was already found liable in the XXXX data breach and continues to mishandle my sensitive information, using data from vendors like XXXX, which has experienced its breach and lacks direct verification authority. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. I am exercising this right and demanding strict adherence to the terms. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that " can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

You have 30 days from the receipt of this letter to complete a lawful investigation. If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed. I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

Company response to consumer: Closed with explanation