Consumer complaint received 2025-09-04 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: AZ

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XX/XX/XXXX SS # XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA, XXXX To Whom It May Concern, I am disputing certain inaccurate and incomplete items appearing on my credit report. While applying for employment and housing, I was notified of negative items reporting under my file. These entries are inaccurate, and their continued reporting has already caused adverse action against me, including denial of employment opportunities.

Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights and demanding that these items be investigated, corrected, or removed. 

Disputed Accounts XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Inaccurate / unverifiable reporting. 


Authority : 15 U.S.C. 1681e ( b ) ( Duty to Ensure Maximum Accuracy ).

Request : Delete this account immediately.

Adverse Action & Legal Basis Under 15 U.S.C. 1681a, Section 603 ( k ) ( 1 ) ( B ) ( ii ), denial of employment due to credit reporting qualifies as an adverse action.

Under 15 U.S.C. 1681m, adverse action notices must be based on accurate information. The denial of employment I experienced, based on these disputed entries, is unlawful if the information is unverified or inaccurate. 
Debt Validation Request ( FDCPA ) Pursuant to 15 U.S.C. 1692g, I am formally requesting validation of any alleged debt you claim I owe. Specifically : Proof you are legally authorized to collect this debt ( contracts, assignments, or agreements ).

Detailed accounting of the debt, including a breakdown of the balance.

Proof I am the correct debtor, including signed agreements or contracts bearing my signature. 


If you can not produce signed documentation demonstrating my legal obligation, you must delete these items from my credit file.

Relevant Case Law Chauncey v. JDR Recovery Inc., 118 F.3d 516 ( 7th Cir. XXXX ) Debt collectors must validate debts upon request and cease collection until proper validation.

Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. XXXX ) If a debt is not validated, collection can not continue. 


Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. XXXX ) Debt collectors must provide accurate, complete information when validation is requested.

Enforcement Rights Under 15 U.S.C. 1681p, I have the right to bring a civil action in federal court within the statute of limitations for violations of the FCRA.

Under 28 U.S.C. 1331, federal courts have jurisdiction over civil actions arising under federal law, including the FCRA and FDCPA. 



Final Notice You are required to complete this reinvestigation within 30 days as provided under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I also demand a detailed Method of Verification. I do not consent to automated verification methods such as E-OSCAR.

Failure to comply will leave me no choice but to escalate this matter with legal counsel and pursue remedies under both the FCRA and FDCPA.

I am sending this letter certified mail to preserve my rights. Please respond in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation