Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Attn : Compliance Department XXXX XXXX XXXX XXXX, NV XXXX Re : Disputed Kikoff Account Demand for Immediate Deletion To Whom It May Concern : I am writing in direct response to your most recent reply to my CFPB complaint regarding the above-referenced XXXX  account . After reviewing your response, my credit reports, and the documents you furnished ( including the account agreement and payment history ), I must again dispute the accuracy and legal sufficiency of your reporting.

1. Failure to Provide Actual Proof of Obligation Your response again fails to produce any signed or verifiable application, contract, or billing statements establishing my liability. The Credit Account Agreement you sent is a generic form with no personal identifiers or my signature. Reliance on internal review or MFA logins does not satisfy FCRA 1681g or 1681i. When a consumer disputes an account, the furnisher must be able to produce documentary evidencenot merely assert that data matches its own files.

2. Inaccurate Reporting to XXXX  Your own payment history shows only a {$60.00} purchase on XX/XX/XXXX with minimal {$5.00} payments and the account closed on XX/XX/XXXX with a small balance outstanding. Nowhere in your records do you show a valid charge-off status or 90-120-150-day delinquencies. Yet XXXX  currently reports this tradeline as Collection/Chargeoff with escalating derogatory codes. This materially misrepresents the account and violates FCRA 1681e ( b ) s maximum possible accuracy standard.

3. Inconsistent Reporting Across Bureaus XXXX  has already deleted this same account, but XXXX continues to show it. Under the FCRA, if information can not be verified, it must be deleted from all consumer reporting agenciesnot selectively left on one file.

4. Billing Rights Ignored Even your own Credit Account Agreement acknowledges my rights under the Fair Credit Billing Act to dispute charges in writing and receive documentation. By refusing to provide verifiable proof of obligation while continuing to report derogatory information, you are not honoring those rights.

5. Continued Furnishing of False Delinquency Codes XXXX currently shows a collection/chargeoff status with late payment codes that your own statements do not support. This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they knowor have reasonable cause to believeis inaccurate. 
My Demand I formally demand that XXXX XXXX XXXX immediately delete this tradeline from XXXX, Equifax, and any other consumer reporting agency. If you continue to claim this account is valid, you must provide within 15 days full documentary proof of the alleged obligation, including : - The signed application or account agreement with my personal identifiers ; - All billing statements and payment histories ; - Any charge-off documentation substantiating the derogatory codes being reported.

If you can not provide this proof, you are required under FCRA 1681i ( a ) ( 5 ) ( A ) to delete the information.

Continued furnishing of unverifiable and inaccurate data will leave me no choice but to pursue all remedies available under the FCRA, including civil litigation for statutory damages, attorneys fees, and injunctive relief.

Please confirm in writing whether you will delete this tradeline or provide full validation within the timeline required by law. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation