Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
Subject : Formal Dispute XXXX XXXX Reporting on My Equifax Credit Report Dear Equifax XXXX Department, I am formally disputing the reporting of the XXXX XXXX account on my Equifax credit report. This account is inaccurate, unverifiable, and improperly reported in violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and 31 U.S.C. 5118. I demand the immediate and permanent removal of this account from my credit report. 
Legal Basis for My Dispute XXXX. Violation of 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. If Equifax can not verify the XXXX XXXX account with original documentation that meets legal standards, it must be deleted immediately. 
XXXX. Violation of 15 U.S.C. 1681i Failure to Conduct a Proper Investigation Under the FCRA, if I dispute the accuracy of an account, Equifax must conduct a reasonable reinvestigation within XXXX  days. XXXX XXXX must provide verifiable proof that I agreed to this debt, including a wet-ink signature contracta mere data entry or electronic verification is insufficient under the law. 
3. Violation of 31 U.S.C. 5118 XXXX  XXXX Laws and the Discharge of Debt According to 31 U.S.C. 5118, no creditor can demand payment in a specific form of currency, as all debts must be payable in legal tender. If XXXX XXXX  has attempted to enforce a debt without proper validation or has reported inaccurate information, it is in violation of federal law.

4. Violation of 15 U.S.C. 1681c ( a ) Obsolete Information Reporting If this account is outdated, charged off, or past the statute of limitations, its continued reporting is a direct violation of FCRA regulations. No debt should be reported beyond the legally permissible timeframe.

Demand for Resolution To resolve this matter fairly and lawfully, I request the following actions : Immediate removal of the XXXX XXXX account from my Equifax credit report. 
A written statement confirming the permanent deletion of the account. 
A full description of XXXX investigation process, including the method used to verify the accounts accuracy. 
If Equifax fails to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Please provide a written response confirming your resolution within XXXX days, as required by law. I have enclosed copies of my identification and relevant documents to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Name ] Subject : Formal Dispute XXXX XXXX Reporting on My Equifax Credit Report Dear Equifax XXXX Department, I am formally disputing the reporting of the XXXX XXXX account on my Equifax credit report. This account is inaccurate, unverifiable, and improperly reported in violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and 31 U.S.C. 5118. I demand the immediate and permanent removal of this account from my credit report. 
Legal Basis for My Dispute XXXX. Violation of 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. If Equifax can not verify the XXXX XXXX account with original documentation that meets legal standards, it must be deleted immediately. 
XXXX. Violation of 15 U.S.C. 1681i Failure to Conduct a Proper Investigation Under the FCRA, if I dispute the accuracy of an account, Equifax must conduct a reasonable reinvestigation within XXXX days. XXXX XXXX must provide verifiable proof that I agreed to this debt, including a wet-ink signature contracta mere data entry or electronic verification is insufficient under the law. 
3. Violation of 31 U.S.C. 5118 XXXX XXXX Laws and the Discharge of Debt According to 31 U.S.C. 5118, no creditor can demand payment in a specific form of currency, as all debts must be payable in legal tender. If XXXX XXXX has attempted to enforce a debt without proper validation or has reported inaccurate information, it is in violation of federal law.

4. Violation of 15 U.S.C. 1681c ( a ) Obsolete Information Reporting If this account is outdated, charged off, or past the statute of limitations, its continued reporting is a direct violation of FCRA regulations. No debt should be reported beyond the legally permissible timeframe.
Demand for Resolution To resolve this matter fairly and lawfully, I request the following actions : Immediate removal of the XXXX XXXX account from my Equifax credit report. 
A written statement confirming the permanent deletion of the account. 
A full description of XXXX investigation process, including the method used to verify the accounts accuracy. 
If Equifax fails to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Please provide a written response confirming your resolution within 30 days, as required by law. I have enclosed copies of my identification and relevant documents to facilitate your investigation. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief