Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX To : XXXX / XXXX  / Equifax Subject : Formal Request for Blocking of Fraudulent/Erroneous Accounts Under FCRA & 15 USC 1681c2 Dear Credit Bureau I am formally requesting the immediate blocking and removal of certain derogatory and inaccurate accounts appearing on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2.

These accounts are either the result of identity theft, erroneous reporting, or have surpassed their allowable reporting period. You are hereby notified that the following items must be removed and permanently blocked from my credit report : Negative Accounts to Be Blocked and Removed XXXX XXXXXXXX XXXX Status : Paid, was a Charge-off Reporting Bureaus : XXXX, Equifax Last Reported Dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( EQ ) Reason for Removal : Account is derogatory, paid, and may exceed 7-year limit or is being disputed as unauthorized. 

XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX, TN XXXX Status : Payment after charge-off / collection Reporting Bureaus : XXXX Reason for Removal : Charged-off and paid ; listing is derogatory and may not accurately reflect the current status. Also subject to verification under FCRA.

Unspecified Charge-off Accounts ( XXXX/Equifax ) Status : Charge-off Reporting Bureau ( s ) : XXXX, Equifax Comment : Paid, was a charge-off Reported On : XX/XX/XXXX Reason for Removal : Incomplete or unverifiable account identifiers ; possible identity theft or error under 1681c2.

Legal Basis for This Request Under 15 USC 1681c2, I have the legal right to request that you block and remove any item of information that resulted from identity theft or is otherwise erroneous and unverifiable. You are required by law to comply with this request within four ( 4 ) business days of receiving the necessary documentation.

I am including with this letter the following materials as required : A copy of my government-issued photo ID Proof of address ( utility bill or government correspondence ) An FTC Identity Theft Report or police report ( if applicable ) A signed affidavit attesting to the fact that the accounts are inaccurate, unauthorized, or fraudulent You are also reminded that reinsertion of any blocked information must follow strict legal procedures outlined in FCRA 1681i ( a ) ( 5 ) and may not be re-reported without proper certification and notification to me in writing.

Please provide me written confirmation that : The above accounts have been permanently removed and blocked No further derogatory data from these sources will be reinserted without full compliance with federal law Failure to act in accordance with the law may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel.

Thank you for your immediate compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation