Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
Dear Equifax Information Services LLC, I am writing to demand the immediate removal of the following items from my credit report, as they have been unverifiable and Equifax has failed to comply with federal consumer protection laws. Your companys actions, as outlined in the recent Consumer Financial Protection Bureau ( CFPB ) enforcement action dated XX/XX/XXXX, further highlight systemic failures in dispute resolution processes, which directly align with my experience. 
The CFPBs findings against Equifax include : Failing to conduct adequate investigations of consumer disputes. 
Ignoring evidence and documentation submitted by consumers. 
Reinserting previously deleted inaccuracies into credit reports. 
Issuing confusing and contradictory responses to consumers. 
Sharing inaccurate credit scores and data with lenders due to flawed internal processes. 
These violations, which resulted in a {$15.00} XXXX penalty and mandatory compliance reforms, provide clear evidence of Equifaxs repeated failure to uphold its legal obligations. My dispute mirrors these systemic failures and must be addressed immediately. 
Specific Items for Dispute The following items were initially disputed on XX/XX/XXXX and continued on with the last dispute being on XX/XX/XXXX, yet Equifax failed to complete a reasonable investigation within the legally required XXXX period, as mandated by Section 1681i of the Fair Credit Reporting Act ( FCRA ) : Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Consumer Protection Laws XXXX. Failure to Investigate Within 30 Days ( FCRA Section 1681i ) : Equifax failed to investigate my disputes within the required time frame.

2. Failure to Ensure Maximum Accuracy ( FCRA Section 1681e ( b ) ) : The continued reporting of unverifiable items violates this provision.

3. Failure to Verify or Validate Disputed Information ( FCRA Section 1681i ( a ) ( 6 ) ) : Without verification, the disputed items must be deleted.

4. Failure to Provide Documentation of Verification ( FCRA Section 1681i ( a ) ( 4 ) ) : Equifax failed to provide documentation showing how the items were verified.

5. Re-Aging of Debt ( FDCPA Section 807 ( 8 ) ) : Altering delinquency dates to extend reporting periods constitutes a violation.

6. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : XXXX delays and failure to provide proper documentation are unfair practices. 
Actions Demanded Given the CFPBs findings and the aforementioned violations, I demand the immediate removal of the following items from my credit report : Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I require written confirmation of their removal within 15 days of receiving this letter. Failure to comply with this request will result in the following actions : XXXX. Filing formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my state attorney generals office. 
XXXX. Pursuing legal action under the FCRA, FDCPA, and other applicable laws, which allow for the recovery of statutory damages, actual damages, attorney fees, and court costs. 
The CFPBs enforcement action demonstrates Equifaxs obligation to address consumer disputes lawfully and expeditiously. I expect prompt resolution and confirmation of your actions in compliance with federal and state laws. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief