Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to demand immediate action regarding the inaccurate and unlawful information currently being reported on my credit report as a new account. Specifically, the following account have been listed on my consumer file in a manner that violates the Fair Credit Reporting Act ( FCRA ), and they must be corrected or removed without delay. If you fail to act within 10 days of receiving this letter, I will pursue all available legal options, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages through litigation for your willful and negligent violations of federal law. The following accounts require immediate correction or deletion : Account to Be Corrected/Removed : XXXX : XXXX XXXX XXXX . This account must be validated or deleted. If you can not provide appropriate documentation to prove this accounts validity, it must be erased from my record.If you can not substantiate the reported figures, this account must be removed from my credit file. Legal Violations : Under the FCRA and related statutes, your agency is legally obligated to ensure the accuracy of all information reported on my credit file. The following violations have occurred : Violation of 15 U.S.C. 1666b ( Timing of Payments ) You have failed to provide evidence that the creditors followed the necessary procedures for sending periodic statements at least 21 days before the due date. Failure to do so renders any late payment reporting inaccurate. Provide proof or remove the reporting. Violation of 15 U.S.C. 1637 ( b ) ( Required Information on Statements ) You have failed to provide adequate documentation demonstrating that the periodic statements sent for these accounts comply with all necessary legal requirements. If you can not validate this information, you must delete these accounts. Violation of 15 U.S.C. 1681s-2 ( Furnishers Duty to Report Accurate Information ) Under this section, furnishers are required to report only accurate information. If the creditors listed above have failed to do so, you are obligated to remove the inaccurate information from my credit report. Action Required : Immediate Removal : All of the accounts listed above must be removed from my credit report within 10 calendar days of your receipt of this letter. Proof of Compliance : Provide evidence of the accuracy of each account listed above. If you are unable to provide this, the account must be deleted from my report immediately. If you fail to meet this demand, I will not hesitate to take further action, including : Filing a complaint with the CFPB and FTC. Pursuing legal action under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ), for which I can seek statutory, punitive, and actual damages. Seeking damages for defamation, emotional distress, and harm to my financial reputation caused by these erroneous entries. I am fully prepared to take aggressive legal action if necessary, and I expect your immediate compliance. Required Documentation : If you can not provide the proper documentation to verify the accuracy of these accounts, you are legally obligated to delete them from my credit report. Your failure to act promptly on this matter will only further prove your disregard for consumer protection laws. Deadline : You have 10 calendar days from the receipt of this letter to remove these accounts from my credit report. After that, I will take all necessary legal steps to hold your agency accountable for these violations. I expect written confirmation of the removal, along with a copy of my updated credit report.

Company response to consumer: Closed with explanation