Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
Equifax Information Services LLC Reference XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate, Fraudulent, and Unverifiable Information under the FCRA and FDCPA To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I am formally disputing the accuracy, completeness, and legitimacy of multiple accounts, inquiries, and addresses appearing on my Equifax credit report. 
Under FCRA 607 ( b ), you are legally obligated to maintain maximum possible accuracy in consumer reports. Furthermore, FCRA 611 ( a ) requires you to complete a reasonable reinvestigation of each disputed item within 30 days, and to delete any item that can not be verified. Under FDCPA 809 ( b ), no debt collector may continue reporting a debt without providing proper validation. 
After careful review, I found numerous accounts, inquiries, and addresses that are inaccurate, unverifiable, outdated, fraudulent, or incomplete. Specifically, I dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally , the following addresses are inaccurate and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Legal Basis for Demands FCRA 607 ( b ) Mandates credit bureaus to report only accurate and complete information.

FCRA 611 ( a ) Requires deletion of unverifiable items within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) Prohi
bits furnishers from reporting information they know or should know is inaccurate.

FCRA 605 ( a ) Restricts obsolete information ( older than 7 years for derogatory accounts ).

FCRA 605B / 15 U.S.C. 1681c-2 Requires blocking of information resulting from identity theft upon proper notice. FDCPA 809 ( b ) Requires prope
r debt validation before reporting ; unverifiable debts must be deleted.

My Demands 1. Immediately conduct a full reinvestigation of each disputed item.

2. Delete all unverifiable, fraudulent, or inaccurate accounts, inquiries, and addresses from my credit file.

3. Provide me with a corrected credit report reflecting these deletions within 30 days, as required by law.

4. Furnish written confirmation that each disputed item has been either verified ( with full documentation ) or permanently deleted. 
Failure to comply will constitute a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office, and pursue legal remedies under FCRA 616617 for damages.

This letter serves as my official notice. Please treat this matter with urgency.

TransUnion Consumer Solutions RE : Formal Dispute of Inaccurate, Unverifiable, and Fraudulent Information Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am formally disputing multiple inaccurate, incomplete, fraudulent, and/or unverifiable items currently appearing on my TransUnion credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C.

1692 et seq. ).

Under FCRA 607 ( b ), TransUnion is required to ensure the maximum possible accuracy of consumer reports. Further, under FCRA 611 ( a ), disputed information must be verified or deleted within 30 days.

The FDCPA also prohibits reporting debts that can not be validated ( 15 U.S.C. 1692g ( b ) ). 
The following accounts are disputed and must be deleted immediately unless full, documented, and verifiable proof of accuracy is produced : XXXX XXXX XXXX XXXX XXXX XXXX Payment history/rating inaccurate. XXXX XXXX XXXX XXXX XXXX Fraudulent account, no knowledge of this debt. XXXXXXXX XXXX XXXX XXXX XXXX  Status, balance, past due, and payment history inaccurate. Account in litigation. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent account, unverifiable. XXXX. XXXX XXXXXXXX XXXX XXXX Fraudulent collection account. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Incorrect address, not mine. XXXX. XXXXXXXX XXXX XXXX, never authorized. XXXX. XXXXXXXX XXXX XXXX XXXX Status, balance, past due, and payment history inaccurate. Account in litigation. XXXX XXXX XXXX XXXX XXXX  Status and payment history inaccurate. 
Account in litigation. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Status, balance, past due, and payment history inaccurate. Account in litigation. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent account, unverifiable. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Status and payment history inaccurate. Account in litigation. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Status and payment history inaccurate. Account in litigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent collection account. XXXX. XXXX XXXX XXXX XXXX  Inaccurate payment history. XXXX. XXXXXXXX XXXX XXXX XXXX Fraudulent collection account. XXXX XXXX XXXX XXXX XXXX Status and payment history inaccurate. Account in litigation. XXXX. XXXX XXXXXXXX XXXX XXXX Fraudulent collection account. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent collection account. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent collection account. XXXX XXXX XXXX XXXX  XXXX XXXX Status and payment history inaccurate. Account in litigation. XXXX. XXXX XXXX XXXX XXXX Fraudulent collection account. XXXX. XXXX XXXX Fraudulent inquiry, never authorized. XXXXXXXX XXXX XXXX XXXX XXXX Status, balance, past due, and payment history inaccurate. Account in litigation. XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent collection account. XXXX. XXXXXXXX XXXX XXXX XXXX not mine. XXXX. 
XXXX XXXX XXXX XXXX Status and payment history inaccurate. Account in litigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never authorized. 
Legal Demand If TransUnion can not verify these items with documented evidence from the original creditor, they must be deleted immediately as required under FCRA 611 ( a ). Reporting unverifiable or fraudulent accounts constitutes a violation of the FCRA and may also fall under FDCPA 807 ( 8 ) ( false credit reporting ) and 1692g ( b ) ( failure to validate debt ). Continued reporting of unverifiable information will be documented as willful noncompliance, for which I reserve the right to seek damages under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ).

Required Action I demand that TransUnion conduct a proper reinvestigation of all accounts listed above. If you can not provide written, verifiable proof within 30 days, these items must be permanently deleted. 
Please mail me a corrected credit report reflecting these deletions, along with written confirmation of your findings, at the conclusion of your investigation.

Experian RE : Formal Dispute of Inaccurate and Unverifiable Information Under FCRA and FDCPA To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). After reviewing my Experian credit report, I found numerous items that are inaccurate, incomplete, fraudulent, or unverifiable. By law, Experian is obligated to ensure the maximum possible accuracy of consumer reports ( FCRA 607 ( b ) ) and must delete or correct information that can not be verified within 30 days ( 611 ( a ) ). 
Below are the disputed items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Payment history/rating inaccurate. 
XXXX XXXX XXXX XXXX XXXX No knowledge of account ; fraudulent. 
XXXX XXXX XXXX XXXX ; identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent/unknown collection. 
XXXX XXXX XXXX XXXX XXXX inquiry ; never authorized. 
XXXX XXXX XXXXXXXX XXXX XXXX Multiple inaccuracies in status, balance, and payment history ; in litigation. 
XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent collection account. 
XXXX XXXXXXXX XXXX XXXXXXXX Incorrect address. 
XXXX XXXX XXXX XXXX Incorrect name. 
XXXX XXXX XXXXXXXX XXXX XXXX  Inaccurate status, balance, and history ; in litigation. 
XXXX ... ( continue with all disputes through XXXX XXXXXXXX as in report )...

Legal Grounds for Deletion or Correction FCRA 602 & 607 ( b ) : Credit bureaus must maintain only accurate information. These accounts contain inaccuracies, unverifiable data, or fraudulent reporting.

FCRA 611 ( a ) : You must conduct a reasonable reinvestigation and delete unverifiable items within 30 days.

FCRA 609 ( a ) ( 1 ) : I have the right to know the source of all information. If Experian can not furnish verifiable documentation from the original creditor ( not just from another bureau ), the items must be permanently deleted.

FCRA 623 ( a ) ( 1 ) ( A ) : Data furnishers are prohibited from reporting information they know, or should know, is inaccurate.

FDCPA 807 ( 8 ) : Debt collectors may not communicate false credit information.

My Demands 1 Permanently delete or correct all inaccurate, unverifiable, and fraudulent entries listed above.

2 Remove duplicate inquiries and any accounts tied to identity theft.

3 Provide me with the name, address, and phone number of each furnisher relied upon.

4 Provide me with a corrected copy of my credit report within 30 days of receipt of this letter, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( ii ).

5 Send me written confirmation of deletions and corrections.

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office, and pursue all available legal remedies. 
This letter is a good faith effort to resolve these issues amicably. Please treat this as my formal written dispute and demand for deletion or correction of the above accounts. 



I have sent these letters and they have done nothing

Company response to consumer: Closed with non-monetary relief