Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
Table of Authorities Federal Statutes Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

o 1681i ( a ) : Reasonable reinvestigation of disputed information o 1681s-2 ( a ) : Furnisher responsibility for accuracy o 1681no : Civil liability for negligent or willful violations Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

o 1692g : Debt validation requirements Consumer Financial Protection Act, 12 U.S.C. 5531 State Statutes ( Georgia ) O.C.G.A. 10-1-393 : Prohibition of deceptive credit reporting practices O.C.G.A. 10-1-399 : Remedies for financial harm due to misrepresentation Local Ordinances Local consumer protection codes in XXXX, GA XXXX-level consumer reporting regulations applicable to credit reporting practices Appellate & Supreme Court Decisions Spokeo , Inc. v. Robins , 578 U.S. 330 ( 2016 ) TransUnion LLC v. Ramirez , 141 S. Ct. 2190 ( 2021 ) Collins v. Experian Info. Solutions, 11th Cir., 2015 Nelson v. Experian, 11th Cir.

Guimond v. TransUnion, 9th Cir., 45 F.3d 1329 ( 1995 ) Cushman v. TransUnion Corp. , 3rd Cir., 115 F.3d 220 Dennis v. BEH, 2021 WL 2038271 ( D. Mass. ) I. Introduction Dear Sir or Madam, I submit this memorandum to formally request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding a disputed credit report entry reported by XXXX XXXX XXXX, Account # XXXX. Despite repeated efforts to dispute this account, it remains on my credit report as inaccurate, misleading, and materially harmful, impacting my financial health, creditworthiness, and access to essential financial products.

This memorandum provides a detailed factual account, a legal framework of obligations, and a procedural roadmap for regulatory agencies to compel credit bureaus to delete the disputed account.

II. Background and Account Summary The disputed account details are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$24000.00} Reported Balance : {$17000.00} Status : Charged-Off / Profit & Loss Write-Off 33 months of reporting, 28 % payments applied Open/Closed : Closed Last Payment : XX/XX/XXXX Detailed month-by-month reporting discrepancies : Year Month Reported Status Actual Payment Record Discrepancy XXXX XXXX - Payment made Missing XXXX XXXX - Payment made Missing XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payment made Incorrect XXXX XXXX CO Payments partially applied Incorrect XXXX XXXX CO Payments partially applied Incorrect The account fails verification under federal law. The balance, payment history, and charge-off status remain unsubstantiated by any statements, ledgers, or written communication from XXXX XXXX XXXX .

III. Legal Framework A. Federal Law 1. Fair Credit Reporting Act ( FCRA ) The FCRA provides explicit obligations for both consumer reporting agencies ( CRAs ) and furnishers : 1681i ( a ) : Reinvestigation CRAs must conduct a reasonable investigation of disputed items within 30 days.

1681s-2 ( a ) : Duty of Furnishers Furnishers must provide complete and accurate information.

1681i ( a ) ( 5 ) ( A ) : Correction or Deletion Any information that can not be verified must be deleted.

1681no : Civil Liability Failure to comply exposes CRAs and furnishers to liability for negligent or willful violations, including statutory and actual damages.

2. Fair Debt Collection Practices Act ( FDCPA ) 1692g : Debt Validation Upon dispute, furnishers must validate and provide documentation proving the debt.

Misrepresentation Prohibition Reporting unverifiable debts as delinquent constitutes a violation.

Enforcement Authority The FTC and CFPB can compel correction or deletion of unverified accounts.

B. Georgia State Law O.C.G.A. 10-1-393 : Prohibits deceptive or misleading credit reporting.

O.C.G.A. 10-1-399 : Provides remedies for financial harm caused by misrepresentation, including damages and court-ordered deletion.

C. Local Ordinances XXXX and XXXX XXXX consumer protection laws reinforce federal obligations for truthful and verified credit reporting.

IV. Case Law and Judicial Precedent A. Appellate Decisions 1. Collins v. Experian, 11th Cir., 2015 Failure to verify balances is actionable under FCRA 1681i.

2. Nelson v. Experian, 11th Cir. CRAs inadequate reinvestigation violates 1681i ( a ).

3. Guimond v. TransUnion, 9th Cir., 45 F.3d 1329 Unverified reporting is actionable.

4. Cushman v. TransUnion, 3rd Cir., 115 F.3d 220 CRAs must remove unverifiable accounts.

5. Dennis v. BEH, D. Mass., 2021 Confirms consumer rights to dispute unverified debts.

B. Supreme Court Decisions 1. Spokeo , Inc. v. Robins, 578 U.S. 330 ( 2016 ) Statutory violations without third-party dissemination can still cause legal injury.

2. TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ) Reporting unverifiable debts constitutes actionable harm.

These precedents establish that failure to verify, misrepresentation, and inaccurate reporting create a statutory obligation for deletion and federal enforcement.

V. Step-by-Step Investigation and Deletion Protocol Credit bureaus must follow a precise, legally mandated process : 1. Receipt Acknowledgment : Confirm dispute receipt within 5 business days.

2. Forward to Furnisher : All consumer-submitted documentation must be sent to XXXX XXXX XXXX .

3. Furnisher Verification : Provide complete documentation including : o Account opening agreement o Payment records and ledgers o Correspondence confirming legal responsibility 4. Independent CRA Review : Verify documentation independently ; automated systems are insufficient.

5. Correction or Deletion : Unverified information must be deleted immediately.

6. Written Notification : CRA must send consumer results within 30 days.

7. Record Maintenance : CRAs must maintain investigation records for compliance.

VI. Harm and Legal Justification The continued reporting of this inaccurate account has caused : Financial Harm : Denial of loans, higher interest rates, borrowing costs.

Reputational Harm : Misrepresented as delinquent.

Emotional Stress : Undue burden from repeated disputes and lost opportunities.

Courts recognize these harms as actionable under FCRA and FDCPA, giving federal agencies authority to mandate deletion.

VII. Requested Federal Action 1. Conduct immediate investigation of XXXX XXXX XXXX and associated CRAs.

2. Require full verification of the disputed account, including all supporting documents.

3. Enforce deletion if verification is inadequate.

4. Provide written confirmation of actions taken, including compliance measures. 
XXXX XXXX XXXX Account # XXXX is inaccurate, misleading, and materially harmful. Federal law, state law, and judicial precedent mandate immediate deletion if verification can not be provided. 
I request prompt federal intervention to : Verify account with complete documentation Delete unverifiable reporting Provide written confirmation of corrective actions

Company response to consumer: Closed with explanation