Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Reinvestigation of Disputed Transactions Under the Fair Credit Reporting Act ( 15 USC 1681i ( 7 ) ) To Whom It May Concern : I am writing to formally dispute the accuracy of certain transactions reported on my consumer credit file. I demand an immediate reinvestigation of the disputed items listed below, as mandated by15 USC 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This letter serves as both notice of dispute and a request for reinvestigation in compliance with federal law. 

Disputed Transactions Account Name : XXXX XXXX XXXXXXXX XXXX  Docket # XXXX Creditor : XXXX XXXX XXXX Date/Details : XXXX date. 



Legal Basis for XXXX Under15 USC 1681i ( 7 ), Equifax is required to conduct a prompt, thorough, and complete reinvestigation of any disputed information XXXX receiving a dispute ( XXXX daysif additional information is provided ). You must review all relevant information I have provided and contact the furnisher of the disputed information to verify its accuracy. 

Additionally,15 USC 1681e ( b ) imposes an obligation on XXXX  to ensure that all information contained in a consumer report is reported withmaximum possible accuracy. Continuing to report inaccurate, incomplete, or unverifiable information constitutes a breach of this duty.

If the disputed items can not be verified, they must be corrected or deleted from my consumer report in accordance with15 USC 1681i ( a ) ( 5 ). Failure to do so would be a direct violation of the FCRA, subjecting Equifax to statutory and actual damages. 

Supporting Case Law Numerous court decisions affirm your obligations under the FCRA, including but not limited to : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies must perform meaningful reinvestigations and can not simply rely on information provided by furnishers. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court ruled that continued reporting of unverifiable or inaccurate information constitutes a clear violation of the FCRA. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This decision emphasized that credit reporting agencies are liable for failing to ensure accuracy and for noncompliance with their reinvestigation obligations. 

These rulings underscore XXXX legal responsibility to comply fully with the FCRA during the reinvestigation process. 

Demands I hereby demand the following actions be taken immediately : Reinvestigation : XXXX a comprehensive reinvestigation of the disputed items, including direct verification with the furnisher of the information. 

Correction or Deletion : If the disputed items are found to be inaccurate, incomplete, or unverifiable, they must be corrected or removed from my report, XXXX XXXX XXXX ( a ) ( XXXX ). 

Documentation : Provide me with a detailed summary of your findings, including the names and contact information of all parties contacted during the reinvestigation process. 

Notification to Third Parties : Notify any third parties who have accessed my consumer report in the past XXXX months ( or XXXX years for employment purposes ) of any corrections made, as required XXXX XXXX XXXX ( d ). 

Consequences of Noncompliance If you fail to comply with your statutory obligations, I will pursue all available remedies under the FCRA, including : Filing a formal complaint with XXXX XXXX XXXX XXXX ( CFPB ) and theFederal Trade Commission ( FTC ). 

Initiating legal action XXXX XXXX XXXX XXXX XXXX, seeking statutory damages, actual damages, attorneys fees, and court costs. 

Conclusion You are required by law to respond to this dispute and provide the results of your reinvestigation XXXX daysof receipt of this letter. I expect a timely and comprehensive resolution to this matter. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation