Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Subject : Formal Request for Deletion of Inaccurate/Obsolete Negative Entry Under 15 U.S. Code 1666 and Applicable Credit Reporting Laws Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number ( Partial for Privacy ) # XXXX Account Type : Credit Card Collection / Charge-Off / Paid, Closed Date Opened : XX/XX/XXXX I am formally writing to dispute and request deletion of derogatory information currently appearing on my credit report in relation to the above-referenced account. The information in question relates to a * * Collection/Charge-Off * * account that was * * Paid and Closed * * and no longer meets the legal standards for continued reporting under federal law. Please review the following legal justification and supporting facts : 1. * * Violation of 15 U.S. Code 1666 Billing Error Resolution * * According to * * 15 U.S. Code 1666 * *, a creditor must respond to any notice of a billing error within 30 days and resolve the dispute within two complete billing cycles ( not to exceed 90 days ). If proper verification or documentation of the debt can not be provided within this time, the item must be * * deleted * * and can not continue to be reported as accurate or unresolved.

In this case, I am requesting : * Full validation and verification of the debt, including the * * original signed contract * *, detailed billing history, and charge-off rationale.

* If such documentation can not be provided * * within 30 days * *, the item must be * * deleted from my report * * in compliance with 1666 and 1666 ( b ).

2. * * 15 U.S. Code 1666 ( b ) Continued Collection Prohibited During Dispute * * Under this statute, no creditor shall report or pursue collection of a disputed amount * * until the matter has been properly investigated and resolved * *. If this account was inaccurately reported during or after the dispute without resolution, this constitutes a direct violation of the law.

3. * * 15 U.S. Code 1681i Failure to Reinvestigate and Update * * The * * Fair Credit Reporting Act ( FCRA ) * * requires credit bureaus to * * reinvestigate disputed accounts * * within * * 30 days * * and remove any information that can not be verified as accurate. Continuing to report obsolete or unverifiable derogatory marks violates my rights under this statute.

-- - 4. * * 15 U.S. Code 1681c ( a ) ( 4 ) / ( 5 ) Obsolete Account Reporting Limits * * This account is from * * 2011 * *, with negative activity reported over * * 7 years ago * *. Per FCRA guidelines : Charge-offs and collection accounts * * may not be reported beyond * * 7 years + 180 days * * from the date of first delinquency.

If the account was charged off more than 7 years ago, it must be * * removed immediately * * as obsolete.

5. * * 15 U.S. Code 1692g ( b ) FDCPA Debt Validation Requirement * * If this debt was transferred to a third-party collector, I hereby request full * * debt validation * * under the * * Fair Debt Collection Practices Act * *. Without sufficient documentation, continued reporting or collection is unlawful and deceptive under federal law.

Requested Actions : * Immediately conduct a full * * reinvestigation * * of the item listed.

* If no verifiable records are available, or if the account is obsolete or otherwise incorrect, * * permanently delete * * this entry from my credit file.

* Provide me with a written confirmation of the results within 30 calendar days as required under 15 U.S. Code 1681i ( a ) ( 6 ).

Notice of Rights : If you fail to comply with these statutory obligations, I reserve the right to pursue a formal complaint with : * The * * Consumer Financial Protection Bureau ( CFPB ) * * * The * * Federal Trade Commission ( FTC ) * * * The * * Puerto Rico Department of Consumer Affairs * * * And/or take * * legal action * * under 15 U.S. Code 1681n & 1681o, which provide for damages and attorney fees for willful noncompliance.

Thank you for your attention to this serious matter. Please consider this notice a * * formal dispute and demand for deletion * * under my rights afforded by federal law. I expect full compliance within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation