Consumer complaint received 2025-08-15 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 XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of All Negative Accounts Immediate Deletion Required NOTICE OF FORMAL DISPUTE AND DEMAND FOR IMMEDIATE REMOVAL Dear Equifax Compliance Department , I am writing to formally dispute all negative accounts currently reported on my Equifax credit file. Many of these accounts are unvalidated, inaccurate, duplicated, or unverifiable, violating multiple federal statutes. 

Furthermore, these false and misleading reports constitute defamation of my character, damaging my personal and professional reputation. Combined with the reporting of these accounts, I have suffered significant emotional distress, XXXX, and financial hardship, including difficulty obtaining credit, housing, and other essential services. 

Additionally, my only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any accounts or reporting associated with other addresses are inaccurate, unauthorized, and defamatory, which further constitutes violations of federal consumer protection laws. 

I demand that all accounts listed below be removed immediately from my credit file within 15 calendar days. 

Accounts in Dispute and Laws Violated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : FDCPA 1692e, 1692f, 1692g ( b ) ; FCRA 1681e ( b ), 1681i ( a ) Why/How : Debt reported without proper validation ; reporting unverified debt is false, misleading, and defamatory.

Action Required : Delete immediately or provide verifiable documentation. 

XXXX. XXXX XXXX / XXXX Communications Violation : FDCPA 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) ; FCRA 1681e ( b ), 1681i ( a ) Why/How : Account reported without verification ; reporting unvalidated debt is illegal, inaccurate, and defames my character.

Action Required : Delete immediately or provide documentation. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Progress Violation : FDCPA 1692e, 1692e ( 8 ), 1692f ; FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) Why/How : Duplicate reporting without verification ; duplicate accounts are misleading and defamatory.

Action Required : Delete all duplicate entries immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Violation : FDCPA 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) ; FCRA 1681e ( b ), 1681i ( a ) Why/How : Unvalidated and unverifiable debt ; reporting without proof is false, misleading, and defamatory.

Action Required : Delete immediately or provide validation. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : FDCPA 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) ; FCRA 1681e ( b ), 1681i ( a ) Why/How : Debt is disputed yet reported as negative ; reporting disputed debt without verification is unfair, illegal, and defamatory.

Action Required : Delete immediately or provide validation. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  Violation : FCRA 1681e ( b ), 1681i ( a ), 1681c-2 Why/How : Account shows {$0.00} and closed ; any misreporting constitutes inaccurate and potentially defamatory reporting.

Action Required : Verify accuracy or delete account. 

Legal Basis for Immediate Removal Under federal law : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), 1681c-2 requires maximum possible accuracy, investigation of disputes, correction or deletion of unverifiable information.

FDCPA 1692e, 1692e ( 8 ), 1692f, 1692g ( b ) prohibits false, misleading, or unfair collection practices, including reporting unverified debt. 

All accounts listed above are unverified, inaccurate, duplicative, disputed, and defamatory, and their continued reporting constitutes a clear violation of federal consumer protection laws.

Demand You are hereby given 15 calendar days from receipt of this letter to : Delete all unverified, inaccurate, duplicate, disputed, or defamatory accounts, or Provide full, verifiable documentation for each account listed.

Company response to consumer: Closed with non-monetary relief