Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XX/XX/year> ] Equifax Information Services LLC XXXX : XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, GA XXXX RE : FINAL NOTICE OF INTENT TO SUE AND FORMAL REBUTTAL OF STALL RESPONSE For Violations of 38 U.S.C. 5301, FCRA 15 U.S.C. 1681 et seq., and Metro 2 Compliance To Whom It May Concern, This letter serves as my Formal Rebuttal and Final Notice of Intent to Sue against Equifax Information Services LLC for your continued violations of federal consumer protection law, including 38 U.S.C. 5301, the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and Metro 2 reporting standards.

I have already provided full identification and address verification documentation as requested. Your most recent letter constitutes an unlawful stall tactic and failure to conduct a good-faith reinvestigation as required under 15 U.S.C. 1681i ( a ).

Your continued reporting of the following items is inaccurate, incomplete, and legally impermissible : XXXX XXXX XXXX for {$2800.00} XXXX XXXX XXXX XXXX XXXX for {$27000.00} XXXX XXXX XXXX XXXXharge-off for {$770.00} Tennessee Department of Human Services-C alleged XXXX {$83000.00} XXXX XXXX are to be immediately deleted for the following reasons : Violation of XXXX U.S.C. XXXX ( a ) : The accounts directly or indirectly attach, assign, or impair federally protected benefits ( veterans benefits ) that can not be used for debt collection, reporting, or adverse profiling. 
Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishers XXXX not report any information they know or have reasonable cause to believe is inaccurate. 
Violation of FCRA XXXX ( a ) : Equifax failed to conduct a reasonable reinvestigation and instead issued a non-substantive document mismatch letter despite receiving sufficient verification. 
Violation of XXXX XXXX Compliance ( Credit Reporting Resource Guide ) : The following XXXX XXXX codes apply and must be corrected or removed : Compliance Condition Code DA Delete entire account ( data accuracy disputed ). 
XXXX XXXX XXXX XXXX XXXX disputes investigation required. 
XXXX XXXX XXXX or XXXX ( paid/settled ) improperly maintained beyond permissible reporting period. 
Base Segment Field XXXX ( Account Status ) must reflect XXXX Delete Entire Account, per XXXX XXXX manual where data can not be verified. 
Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), Equifax is required to delete or permanently block any item of information that can not be verified within the statutory period. The accounts listed above are unverifiable, legally defective, and based on federally protected funds. 
Accordingly, I hereby demand immediate deletion of these accounts from my credit profile. Equifax is hereby notified that further willful non-compliance will result in a civil action filed in the XXXX XXXX XXXX for the XXXX XXXX XXXX Tennessee, seeking : Statutory damages under XXXX U.S.C. XXXX and XXXX ; Punitive damages for willful violation ; XXXX fees and court costs ; XXXX relief for injunctive deletion and data correction. 
You are granted XXXX calendar days from receipt of this notice to correct, delete, and provide written confirmation of compliance. Failure to do so will be taken as full intent to continue violating federal law, at which point litigation will commence. 
Sincerely, XXXX XXXX XXXX Veteran / Consumer Enclosures : Copy of prior dispute correspondence Proof of identity and address previously submitted Federal benefit protection reference ( XXXX U.S.C. XXXX ) Evidence of reporting violations

Company response to consumer: Closed with explanation