Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
Formal Complaint for Violations of the FCRA, FDCPA, Regulation F, and Related Consumer Protection Laws This letter serves as a formal complaint and demand for deletion of all these accounts for fraud and of inaccurate, inconsistent, and unlawfully reported information appearing on my consumer credit report. Your agencies have failed to comply with key provisions under : - Fair Credit Reporting Act ( FCRA ) - Fair Debt Collection Practices Act ( FDCPA ) - Regulation F, 12 CFR Part 1006 - CARES Act, Section 4021 - Permissible Purpose rules, 15 U.S.C. 1681b - 15 U.S.C. 1692g ( b ) ( failure to validate in 15 business days ) - 15 U.S.C. 1681i ( a ) ( failure to reinvestigate in 30 days ) - 15 U.S.C. 1692k Sections 3 and 5 ( civil liability for deceptive practices ) More than 30 days have passed since my original disputes were submitted. You were required under 15 U.S.C. 1681i ( a ) to reinvestigate within 30 days and under 15 U.S.C. 1692g ( b ) to respond within 15 days. It has now been over 90 days. Not only have the credit reporting agencies failed to comply, but the data furnishers listed below were also notified and have failed to respond with proper verification or reinvestigation, placing them in direct violation of federal law within 45 days allowed.

The following accounts require immediate attention for removal due to inconsistent or unverifiable reporting XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Charged-Off, Balance {$180.00}, Address : XXXX XXXX address ], Phone : XXXX XXXX phone ] - XXXX XXXX XXXX : Opened XX/XX/XXXX, Balance {$13000.00}, Account No : XXXX, Address : [ XXXX XXXXddress ], Phone : [ XXXX  phone ] XXXX XXXX XXXX XXXX XXXX Collector for XXXX  Reported Only to XXXX, No contract or permissible purpose, Address : [ XXXX address ], XXXX : [ XXXX phone ] - XXXX / XXXX XXXX XXXX XXXX Reported Only to TU, Balance : {$480.00}, Address : [ XXXX address ], Phone : [ XXXX phone ] The method of investigation for your conclusion including these six items as required by law : 1. A complete contract with wet ink signature from the original company.

2. A complete account number from the original company and not a generated partial count number from a collection agency or the CRA.

3. An itemized accounting with every billing statement, charges and additional fees.

4. The name and credentials of the individual who verified the debt.

5. The chain of custody and debt reassignment for this account.

6. Proof of permissible purpose under 15 U.S.C. 1681b for furnishing or accessing my credit file.

Desired Outcome and Relief for Damages ( provided to me under the law ) : I request immediate deletion of the accounts and inquiries listed. I also seek confirmation within 15 days and reserve the right to pursue statutory damages under 15 U.S.C. 1681n for willful noncompliance.

DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE UNAUTHORIZED INQUIRIES : - XXXX XXXX XXXX XXXX Address : [ XXXX address ], Phone : [ XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Address : [ XXXX XXXXXXXX address ], Phone : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Address : [ XXXX XXXX address ], Phone : [ XXXX phone ] DELETE.

Company response to consumer: Closed with explanation