Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to formally dispute the reinsertion of inaccurate and incomplete information on my credit report that was previously deleted and unjustifiably reinserted. I have recently discovered that this information has been reinserted, This reinsertion violates provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i ( a ) ( 5 ) ( B ). This section outlines the conditions under which previously deleted information may be reinserted into a credit report.

Additionally, your failure to conduct a thorough and accurate investigation has caused significant harm to my credit profile and financial standing. 
The inaccurate and incomplete information regarding these accounts listed below, were previously disputed and removed from my credit report. However, the same information has now been reinserted, in violation of the following FCRA requirements : Accounts 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  ( XXXX ) : Chargeoff - {$1100.00} Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED XXXX XXXX XXXX ( XXXX ) : Collection - {$590.00} Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX XXXX XXXX XXXX : Late 30 Days - {$790.00} Delete this account. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencie XXXX XXXX XXXX XXXX  : Late 60 Days- {$1400.00} Delete this account. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting XXXX XXXX XXXX ( ***** ) : Late 90 Days - {$390.00} Delete this account. 
15 U.S. CODE 1692K - CIVIL LIABILITY CREDITONEBNK ( ********** ) : Late 60 Days - {$840.00} Delete this account. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX XXXX XXXX XXXX Late 120 Days - {$790.00} Delete this account.

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXXXXXX XXXX XXXX XXXX XXXX Late 30 Days - {$680.00} Delete this account. 
XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencie XXXX XXXX XXXX XXXX : Late 90 Days- {$750.00} Delete this account. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX XXXX XXXX XXXXate 60 Days - {$1000.00} Delete this account. 
Delete this account. 
Oh by the way I hope you understand that the FCRA states in the section below Adverse Action Notice : I also want to bring to your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported contributed directly to my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m.

The denial of employment due to this unverified and potentially inaccurate information is not only distressing but may also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter and cease all collection activities until you can provide proper validation. 
Relevant Case Law Supporting My Request : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. 
Failure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692 ( g ), I am formally requesting validation of this debt.

According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : 1. Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt. 
XXXX. Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 
XXXX. Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt. 
If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file. 
Please note XXXX sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. 
If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter... 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief