Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Notice Demand for Deletion of Inaccurate Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as a formal and final dispute regarding the continued reporting of a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Equifax credit file.

The company has already completed its investigation and confirmed via my CFPB complaint response dated XX/XX/year> that : XXXX XXXX XXXX XXXX is instructing all 3 credit bureaus to remove the account from the consumer 's credit file All further collection efforts will cease.

Despite this acknowledgment and their legal obligation to report only accurate and verified data, Equifax continues to display this collection, which constitutes a direct violation of multiple federal consumer protection laws.

Account Details Being Disputed : Debt Collector : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance : [ Insert reported amount if still showing ] Status : Still reporting on Equifax despite deletion instruction Violations of Federal Law : FCRA 1681e ( b ) Equifax is failing to ensure maximum possible accuracy by continuing to report a collection the furnisher has confirmed should be removed.

FCRA 1681i ( a ) Failure to delete information found to be inaccurate or unverifiable after a reasonable reinvestigation.

FCRA 1681s-2 ( b ) Furnishers of information ( XXXX XXXX XXXX XXXX ) are required to notify CRAs to delete or update incorrect information. You are obligated to act on their request.

FCRA 1681c-2 This account must be suppressed or deleted if it is unverified or disputed without sufficient documentation.

FDCPA 1692e ( 8 ) Continued communication of false credit information, including failure to communicate that a disputed debt is disputed.

FDCPA 1692f Unfair or unconscionable means to collect or report a debt that has already been ordered removed.

FCRA 616, 617 Emotional and financial harm caused by willful and negligent noncompliance with the FCRA.

Legal Demand for Deletion : You are now officially on notice. 

I hereby demand the immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection from my Equifax credit report, as your own data furnisher has instructed and federal law requires.

This is your final notice. If this account is not permanently removed within 15 calendar days, I will take the following legal actions : File a supplemental complaint with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) and the Florida Attorney General Consider civil legal action for damages under FCRA XXXX for continued willful violations This account must be fully deleted from my Equifax credit report without delay. Written confirmation of this action is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation