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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
# CREDIT REPORT DISPUTE LETTER * * Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : * * Experian, Equifax, and TransUnion Credit Reporting Agencies -- -- - # # FORMAL DISPUTE - DEMAND FOR PERMANENT DELETION * * Re : Dispute of Inaccurate and Unverifiable Account * * * * Account in Question : * * MISSIONLNTAB - {$650.00} Dear Credit Reporting Agencies, I am writing to formally dispute the above-referenced account appearing on my credit reports. This account is inaccurate, unverifiable, and must be permanently deleted from all three credit reporting agencies pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable federal consumer protection laws.

# # GROUNDS FOR DISPUTE AND LEGAL VIOLATIONS * * 1. VIOLATION OF 15 U.S.C. 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY REQUIREMENT * * Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inclusion of the XXXX account violates this fundamental requirement because : - The account information can not be verified as accurate - The reporting fails to meet the maximum possible accuracy standard - No reasonable procedures were followed to ensure accuracy before reporting - The account appears without proper substantiation or documentation Your continued reporting of this unverified account constitutes a direct violation of your statutory duty to maintain maximum possible accuracy in consumer credit reports.

* * 2. VIOLATION OF 15 U.S.C. 1681b - PERMISSIBLE PURPOSES * * Under 15 U.S.C. 1681b, consumer reports may only be furnished for permissible purposes and must contain accurate information. The XXXX account violates this statute because : - The account lacks proper verification and documentation - The information fails to meet the accuracy standards required for permissible use - The reporting serves no legitimate business purpose when the underlying information is questionable - The accounts inclusion compromises the integrity of consumer reports used for permissible purposes This violation undermines the fundamental purpose of consumer reporting and violates the statutory framework governing when and how consumer information may be reported.

* * 3. VIOLATION OF 31 U.S.C. 5118 - LEGAL TENDER AND DEBT OBLIGATIONS * * Under 31 U.S.C. 5118, which establishes the legal framework for debt obligations and monetary transactions, the XXXX account violates federal law because : - The account lacks proper legal foundation and documentation - No valid debt obligation has been established under federal monetary law - The reporting fails to comply with federal standards for debt validation - The account exists without meeting the legal requirements for legitimate debt obligations This statute requires that debt obligations be properly established and documented according to federal law, which has not occurred with this account.

# # FCRA COMPLIANCE FAILURES Your reporting of this account violates multiple FCRA provisions : * * Accuracy Requirements : * * The account fails to meet the maximum possible accuracy standard required under federal law.

* * Verification Standards : * * No proper verification has been conducted to ensure the accounts validity.

* * Consumer Rights : * * My rights under the FCRA have been violated by the reporting of unverified information.

* * Legal Standards : * * The account fails to meet the legal standards established by federal consumer protection laws.

# # LEGAL DEMANDS Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, you are legally required to : 1. * * Permanently delete * * the XXXX account ( {$650.00} ) from my credit reports immediately 1. * * Conduct a reasonable investigation * * within 30 days of receipt of this dispute 1. * * Provide written confirmation * * of the permanent deletion 1. * * Notify all parties * * who have received my credit report in the past 6 months ( or 2 years for employment purposes ) of the deletion # # VIOLATION CONSEQUENCES Your failure to permanently delete this inaccurate information constitutes ongoing violations of federal law and may result in : - Statutory damages up to {$1000.00} per violation - Actual damages for harm caused - Punitive damages for willful non-compliance - Attorneys fees and court costs - Injunctive relief requiring compliance # # REQUIRED ACTIONS I demand that you immediately : 1. * * Permanently delete * * the XXXX account ( {$650.00} ) from all my credit reports 1. * * Provide written confirmation * * of this permanent deletion within 30 days 1. * * Send updated credit reports * * showing the account has been removed 1. * * Notify all recipients * * of my credit information about this correction 1. * * Implement procedures * * to prevent future reporting of this account # # SUPPORTING DOCUMENTATION Enclosed please find : - Copy of government-issued photo identification - Copy of Social Security card or tax document - Proof of current address ( utility bill or bank statement ) # # COMPLIANCE TIMELINE This dispute must be resolved within 30 days of your receipt as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Your failure to permanently delete this account within this timeframe will result in immediate legal action for FCRA violations.

# # PERMANENT DELETION REQUIREMENT This is a demand for * * permanent deletion * *, not temporary removal or suppression. The account must be completely eliminated from your databases and may not be re-inserted at any future date without proper verification that complies with all applicable federal laws.

I expect your immediate compliance with federal consumer protection laws and permanent deletion of this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief