Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Request for Deletion of Inaccurate and Obsolete Account Information Under FCRA and Federal Law Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : Collection / Charge-Off Date Opened : XX/XX/year> I am writing this formal dispute and request for investigation under theFair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., andFair Credit Billing Act ( FCBA ), 15 U.S. Code 1666 and 1666 ( b ) regarding the accuracy and legal compliance of the reporting on the above-referenced account.

I respectfully request a thorough investigation and deletion of the following derogatory data reported XXXXXXXX XXXX XXXX XXXXXXXX, currently being reported as acharge-offandlate paymenton my credit file : Dispute Summary : Failure to Investigate Under 15 U.S. Code 1666 ( b ) : Under this statute, a creditor must acknowledge and investigate a billing dispute within XXXX  days and resolve it within XXXX billing cycles ( no more than XXXX  days ). There is no evidence that XXXXXXXX XXXX XXXX XXXXXXXX ever provided proper written notice, validation of debt, or dispute resolution documentation regarding this charge-off or prior delinquencies. 

Aged Account Possible Obsolete Debt Under 15 U.S. Code 1681c ( a ) ( 4 ) - ( 5 ) : This account was opened XXXX, and based on standard reporting timelines, negative information such as charge-offs and delinquencies must not remain on a consumers credit report longer than 7 yearsfrom the original delinquency date. If the original date of delinquency occurred in 2013, this item may now beobsoleteand must bepermanently deleted. 

Goodwill Removal Request : If the information is technically accurate but disproportionately damaging, I am requesting agoodwill deletionof this derogatory mark, in light of my past relationship with the creditor and improvements in my financial behavior. I ask that TransUnion and Equifax process and communicate this goodwill request to the data furnisher as a consumer-provided statement and request.

Incomplete/Unverified Reporting in Violation of 15 U.S. Code 1681i ( a ) : If XXXX XXXX XXXX XXXXXXXX is unable to fully verify the account with complete and accurate documentation ( signed agreement, payment history, and notices ), thenyou are required to delete the disputed itemfrom my credit report.

Requested Action : Conduct a reinvestigation of this account in accordance with 15 U.S. Code 1681i ( a ). 

If not verifiable or obsolete, remove all negative information associated with this account, including : Late payments Charge-off status Any remaining balance indicators or collection remarks If verified but still damaging, attach this letter to the credit file as aconsumer statementand forward agoodwill deletion requestto XXXX XXXX XXXX XXXXXXXX on my behalf. 

Please respond to this dispute in writing within30 daysas required by law under15 U.S. Code 1681i ( a ) ( 1 ). If verification is not possible or the account is obsolete, I expect full removal of the account and a corrected copy of my credit report. 

Thank you for your cooperation and for ensuring the fair and accurate reporting of consumer credit information under federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation