Consumer complaint received 2025-02-24 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:
I am writing to formally dispute multiple inaccurate entries on my Equifax credit report and to demand their immediate correction or removal. Despite my repeated requests, Equifax has failed to provide the method of verification for the accounts listed below, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This refusal, coupled with the obvious errors in these entries, breaches your legal duty under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy and 15 U.S.C. 1681i ( a ) ( 1 ) to conduct a reasonable investigation of disputed information. These inaccuracies are causing me harm, and I insist on swift compliance with federal law.

The accounts in question, along with their specific violations, are as follows : Account : XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number Ending : XXXX Date of First Delinquency : XX/XX/XXXX Date Opened : XX/XX/XXXX Historical Account Information : No data available prior to XX/XX/XXXX Violation : The date of first delinquency ( XX/XX/XXXX ) is reported nearly ten months prior to the account opening date ( XX/XX/XXXX ). This is factually impossible and violates FCRA 1681c ( a ) ( 5 ), which governs the timelines for reporting delinquent accounts. This entry must be removed immediately. 

Account : XXXX XXXX XXXX Account Number Ending : XXXX Date of First Delinquency : XX/XX/XXXX Date Opened : XX/XX/XXXX Historical Account Information : No data available prior to XX/XX/XXXX Violation : The delinquency date ( XX/XX/XXXX ) predates the account opening ( XX/XX/XXXX ), rendering this entry inaccurate under FCRA 1681e ( b ). Your failure to provide the method of verification, despite my multiple requests, further violates 1681i ( a ) ( 6 ). This account must be deleted without delay. 

Account : XXXX XXXX XXXX Account Number Ending : XXXX Date of First Delinquency : XX/XX/XXXX Date Opened : XX/XX/XXXX Historical Account Information : No data available prior to XX/XX/XXXX Violation : The delinquency date ( XX/XX/XXXX ) is listed before the account opening ( XX/XX/XXXX ), in breach of FCRA 1681i ( a ) ( 5 ) ( A ), which requires removal of inaccurate or unverifiable information. This entry demands immediate correction or deletion. 

Account : XXXX XXXX XXXX Account Number Ending : XXXX Date of First Delinquency : XX/XX/XXXX Date Opened : XX/XX/XXXX Historical Account Information : No data available prior to XX/XX/XXXX Violation : The delinquency date ( XX/XX/XXXX ) precedes the account opening ( XX/XX/XXXX ), violating FCRA 1681a ( f ) and 1681i ( a ) ( 1 ). Your refusal to substantiate this data necessitates its prompt removal.

Demand for Immediate Action : Under the FCRA, 15 U.S.C. 1681 et seq., and in light of your obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations, I demand the following : Immediate removal of the four accounts listed above from my credit report, given their demonstrable inaccuracies and your failure to verify them as required by FCRA 1681i ( a ) ( 6 ).

Full disclosure of all historical account information and the method of verification purportedly used, to be provided within the 30-day period mandated by FCRA 1681i ( a ) ( 6 ) ( A ).

Written confirmation of these corrections, sent to me and all other consumer reporting agencies, as required by FCRA 1681i ( a ) ( 5 ) ( C ).

Your persistent refusal to address these inaccuracies, despite my multiple requests, has caused me measurable harm. Should you fail to comply promptly, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action under FCRA 1681n and 1681o, which provide for statutory damages, actual damages, punitive damages, and attorneys fees for willful or negligent noncompliance. I urge you to rectify these matters immediately and provide written confirmation of your actions within the statutory timeframe. This is a formal demand grounded in federal law, and I expect nothing less than full compliance.

Company response to consumer: Closed with non-monetary relief