Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
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  Subject : Formal Dispute and Demand for Investigation Repossession Reporting ( Violation of Federal Law ) XXXX XXXX Dear XXXX XXXX I am writing to formally dispute the accuracy and legality of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you are furnishing to the credit reporting agencies under my name. After careful review, I believe this information may be * * misleading * *, * * inaccurately reported * *, and may * * exceed the applicable statute of limitations for reporting or collection * *. 

In accordance with my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Truth in Lending Act ( TILA ) * *, I am demanding a full investigation into the accuracy, legality, and timeliness of this entry. I also request that you cease reporting any unverifiable, inaccurate, or outdated information to any consumer reporting agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : or Last Digit of XXXX : XXXXXXXX XXXX XXXX XXXX Date of Alleged Repossession or XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds for My Dispute * * : 1. * * 15 U.S.C. 1666B * * This statute requires that payments must be considered on time if received by the due date and cutoff time. If your reporting of late payment or default leading to repossession was incorrect based on improper posting, the reporting is inaccurate and must be corrected.

2. * * 15 U.S.C. 1637B * * Creditors are required to provide clear billing information and terms. If you failed to properly disclose repayment, late payment, or default terms, then the account reporting may be deemed misleading or improper.

3. * * 15 U.S.C. 1681s-2 ( a ) ( 7 ) * * As a data furnisher, you are obligated to update or correct any previously reported information that you later determine to be inaccurate or incomplete. If the reporting of the repossession or balance is outdated or incorrect, you are required to notify the credit bureaus and correct or delete it.

4. * * 15 U.S.C. 1681c-2 * * Consumers have the right to block or remove information from their credit file if it is the result of fraud, identity misuse, or can not be verified. I assert my rights under this law to dispute any inaccurate or unverified reporting on this account. 
5. * * 15 U.S.C. 1681 t
hrough 1681x * * These sections outline your obligation to report accurately, to investigate disputes in a timely manner, and to ensure fair and lawful credit reporting. Continued reporting of misleading or unverifiable information is a direct violation of federal law. 

-- - # # # * * My Request * * : * * * Immediately investigate * * this account and provide full documentation supporting the validity of the reported repossession, including original signed contracts, payment history, and lawful notice of repossession. 
* If you * * can not verify * * the accuracy or legality of the reported information, you must * * cease reporting * * this account to any consumer reporting agency and * * notify all bureaus * * to delete or correct the information. 
* Provide a * * written response * * within * * 30 days * * of the date of this letter, as required under the FCRA. 

Please note that if this matter is not resolved in compliance with federal law, I reserve the right to escalate this issue by filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my states Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief