Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXXXXXX  Last XXXX of XXXX : XXXX  Phone : XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Demand for Immediate Deletion of Unvalidated Account Fair Credit Reporting Act Violations CERTIFIED MAIL RETURN RECEIPT REQUESTED To Whom It May Concern : I am formally disputing the accuracy and legality of a derogatory tradeline appearing on my Equifax consumer credit report. The account in question is allegedly being reported by XXXXXXXX XXXX XXXX ( balance {$880.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX ). 

This debt has never been validated, never verified, and no proof of ownership or liability has been produced despite my written request for validation under the Fair Debt Collection Practices Act ( FDCPA ). Therefore, your continued publication and reporting of this unverified account constitutes willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

DEMANDS UNDER THE FCRA Under 15 U.S.C. 1681i ( a ), you are legally required to : 1. Conduct a reasonable reinvestigation of this disputed information.

2. Obtain direct verification from the furnisher ( XXXX XXXX XXXX  ) that the account is accurate, legitimate, and fully validated with original documentation.

3. Delete or permanently block the account within 30 days if validation can not be obtained. 

If you are unable to provide documented proof from the original creditorincluding the signed contract, chain of assignment, and complete payment historythen you are legally obligated to delete the tradeline in its entirety from my credit file. 



LEGAL BASIS Reporting information that is unverified or inaccurate violates multiple federal statutes : FCRA 1681e ( b ) : failure to maintain reasonable procedures to assure maximum possible accuracy.
FCRA 1681i ( a ) : failure to reinvestigate disputed information in a reasonable manner.

FDCPA 1692g : continued collection activity without proper validation.

FCRA 1681n & 1681o : civil liability for willful and negligent non-compliance. 

Equifax has a non-delegable duty to ensure that the data it reports is verified and accurate, not simply reported by a furnisher. If your investigation fails to produce verifiable, documented proof, this tradeline must be deleted immediately. 



FORMAL NOTICE This letter serves as a final notice before formal escalation. If Equifax fails to correct or delete this unverified account within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney General, and I will pursue all available civil remedies for statutory, actual, and punitive damages, including attorneys fees and court costs. 

Please provide written confirmation of the outcome of your investigation, including : Whether you verified the debt with original source documentation, Whether you deleted or updated the tradeline, and The name and contact information of the furnisher you relied upon. 



REQUIRED ACTION 1. Delete the unvalidated account from my Equifax credit file immediately.
2. Provide written confirmation of deletion or verification results within 30 days of receipt.

3. Send all correspondence to my current address listed above. 

Sincerely, /s/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation