Consumer complaint received 2025-10-17 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:
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  To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau , This letter is a XXXX XXXX  formal dispute and demand for full investigation XXXX XXXX under my rights established by the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681s-2 ) * * and * * Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) * *. 

I am disputing the XXXX XXXX XXXX XXXX XXXX XXXX  being reported under my credit file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are * * inaccurate, incomplete, and unverifiable * * and therefore violate the FCRA if continued to be reported. 

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 XXXX XXXX XXXX XXXX Under federal law, you must : * Conduct a * * reasonable reinvestigation * * within * * 30 days * * ( 1681i ( a ) ( 1 ) ( A ) ); * Provide me with * * all documentation * * provided by the furnishers verifying these accounts; * * * Delete or correct * * any information that can not be fully verified. 

If verified, I require full documentation including : * The * * original signed application or contract * * ; * The * * complete payment and charge-off history * * ; * * * Proof of legal ownership or assignment rights * * to the alleged debt; * Evidence that the furnisher has the * * authority to report * * this information under 1681s-2 ( a ).

If such records can not be produced, these accounts must be * * immediately deleted * * from my credit reports. Continued reporting of unverifiable information constitutes * * willful noncompliance * * under * * 15 U.S.C. 1681n * *, making both the credit bureaus and furnishers liable for statutory damages.

* * Legal Precedents : * * Courts have ruled that credit bureaus and furnishers can be held liable for failing to conduct reasonable reinvestigations XXXX XXXX XXXXXXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX v. Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you can not fully verify these charge-offs with valid documentation within the 30-day investigation window, they must be * * permanently removed * * from all of my credit files. 

Please send written confirmation of deletion or verification results, along with an updated copy of my credit report. 

Failure to comply will result in formal complaints to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and consideration of * * civil action * * for damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures :

Company response to consumer: Closed with non-monetary relief