Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
dispute letter that combines the FCRA, FDCPA, FACTA, and XXXX Request Universal Credit Dispute & Deletion Request Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX To : XXXX  XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Equifax XXXX XXXXXXXX XXXX, XXXX  XXXX Subject : Formal Demand for Investigation and Deletion of All Inaccurate, Unverifiable, and Outdated Information Under FCRA, FDCPA, FACTA, and 15 U.S.C. 1681i Dear XXXX, Equifax, XXXX  I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and Section 609 of the FCRA ( 15 U.S.C. 1681g ) regarding the accuracy, validity, and verification of the information appearing on my credit file. 

After obtaining my most recent credit report from your bureau, I have identified negative items, inquiries, and outdated accounts that are inaccurate, incomplete, unverified, and/or not in compliance with federal law. This includes, but is not limited to : All late payments All collection accounts All charge-offs All repossessions All foreclosures All XXXX  All judgments All outdated accounts beyond the allowable reporting period under FCRA 605 ( a ) All hard inquiries not expressly authorized by me in writing This is my formal demand that you : Immediately conduct a full investigation of each negative item in compliance with FCRA 611 ( 15 U.S.C. 1681i ). Provide the complete method of verification for each item, including the name, address, and telephone number of the furnisher of the information ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ). Under Section 609 of the FCRA, provide a copy of any and all original signed contracts, applications, or documentation bearing my signature that you relied upon to verify these accounts or inquiries. If you can not produce verifiable, original documentation within the statutory 30-day time frame, you must immediately delete the items from my file. Remove any account or item that can not be fully verified in accordance with the FDCPA 809 ( b ) if it is a collection account. Remove any outdated information beyond the legal reporting period ( FCRA 605 ( a ) generally 7 years, or 10 years for certain bankruptcies ). Delete all unauthorized hard inquiries in compliance with FCRA 604.

I also place you on notice that I am aware of my right to damages under FCRA 616 and 617 for willful or negligent noncompliance, including statutory damages, actual damages, attorneys fees, and costs. 

Please send me the results of your investigation to my address above within the required 30 days from your receipt of this letter, as mandated by FCRA 611 ( a ) ( 1 ) ( A ).

Failure to comply will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and to consider legal action for full enforcement of my rights under federal law. 

Thank you for your prompt attention to this matter. I expect full compliance and the permanent deletion of all unverifiable, inaccurate, and outdated information from my credit report. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation