Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
To Whom It May Concern : I am formally demanding immediate deletion ( within 3 business days ) of the inaccurate and unverified accounts listed below. These accounts are reporting false late payments, outdated derogatory data, incorrect statuses, inconsistent balances, and missing required documentation, all of which constitute willful violations under the Fair Credit Reporting Act ( FCRA ) and fall under the same category of misconduct that caused the CFPB to sue Equifax for repeated illegal reporting practices.

Equifax can not continue reporting any account that can not be 100 % verified with original documentation, per : FCRA 602 ( A ) Accurate data only FCRA 607 ( b ) Maximum possible accuracy FCRA 611 ( a ) Failure to reinvestigate properly FCRA 623 ( a ) ( 1 ) ( A ) Furnisher prohibits reporting false data FCRA 605 ( a ) Obsolete and outdated information FDCPA 807 ( 8 ) False credit reporting CFPB vs. Equifax Enforcement Action ( 20232024 ) for reporting inaccurate data and failing to correct errors You are now on legal notice. 



ACCOUNTS REQUIRING IMMEDIATE DELETION ( 72 HOURS ) XXXX. XXXX XXXX  XXXX {$4500.00} Violations : Reporting continuous late payments after the account was closed ( illegal ). 

Reporting 757 % utilization on a closed account factually impossible.

Violates FCRA 607 ( b ) accuracy requirements.

Account appears re-aged FCRA 605 ( c ) violation.

Missing date of first delinquency FCRA 623 ( a ) ( 5 ) violation.

Required Action : DELETE the account entirely. 



XXXX. XXXX XXXX ( multiple accounts ) Violations : Reporting late payments after account closure ( illegal & inaccurate ). 
Inconsistent payment history across months FCRA 607 ( b ) violation.

Missing documentation proving each late payment FCRA 611 ( a ) ( 1 ) ( A ) failure to verify. 

XXXX XXXX is known for furnishing unverified late data ( CFPB complaint history ). 



Required Action : DELETE all XXXX XXXX entries. 



XXXX. XXXX XXXX XXXX XXXX  ( multiple accounts ) Violations : Reporting late payments every month, even on months where no statement was generated. 

Reporting impossible payment percentages ( 38 % on-time / 71 % on-time inconsistencies ).

Violates FCRA 602 ( A ) & 607 ( b ) ( maximum possible accuracy ).

You must provide the original, itemized payment history from the creditor, NOT a digital reproduction ( FCRA 611 ( a ) ( 1 ) ). 



Required Action : DELETE all XXXX XXXX negative accounts. 



XXXX. XXXX XXXX Violations : Reporting 16 % on-time payments without furnishing proof of each alleged late. 

Account shows zero balance yet still reports derogatories ( inaccurate ).

Violates FCRA 607 ( b ) ( accuracy ) and 611 ( a ) ( failure to verify ).

Required Action : DELETE the account.

LEGAL NOTICE EQUIFAX IS IN ACTIVE VIOLATION Your bureau is now operating in violation of : FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable data FCRA 616 / 617 Civil liability for willful and negligent noncompliance CFPB Supervision and Enforcement Directive ( 20232024 ) ordering Equifax to stop inaccurate reporting
Your failure to maintain accurate reporting is the same misconduct that led to the CFPBs lawsuit and multi-million-dollar penalties against Equifax.

FORMAL DEMAND YOU HAVE 3 DAYS Under FCRA 611 ( a ) ( 1 ) ( A ), once notified of inaccurate data, you must : Immediately block reporting of disputed items Reinvestigate DELETE items that can not be verified with original documentation I am granting 3 business days from receipt of this letter to remove ALL accounts listed above.

Company response to consumer: Closed with explanation