Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : FORMAL DEMAND TO DELETE ALL INACCURATE, UNVERIFIABLE, AND DEROGATORY INFORMATION FCRA 1681i To Whom It May Concern : I am writing to formally dispute and demand the immediate deletion of all negative, derogatory, or inaccurate items on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The items reported by your agency are inaccurate, outdated, unverifiable, or misleading and are damaging my ability to secure credit, employment, housing, and insurance. You are hereby notified under FCRA 1681i ( a ) to conduct a reasonable reinvestigation of all negative accounts, and unless you can substantiate each item with verifiable and legally permissible documentation from the original furnisher, they must be deleted immediately.

Please be advised that under FCRA 1681n and 1681o, I will pursue statutory damages of {$1000.00} per violation per day for willful or negligent noncompliance. This includes your failure to remove unverifiable data or correct any errors within the 30-day window required by law.

Furthermore, this letter serves as your notice of intent to sue if all disputed items are not permanently removed from my credit report within 15 business days of receipt. You are required to : 1. Remove all derogatory and disputed accounts.

2. Send confirmation of the deletions in writing.

3. Cease any further reporting of unverifiable or inaccurate information. 

Hard Inquiries ( may impact credit score ) : TransUnion : 1. XXXX  Date : XX/XX/year> XXXX. XXXXXXXX XXXX Date : XX/XX/year> 3. XXXX XXXX XXXX Date : XX/XX/year> 4. XXXX XXXX XXXX XXXX Date : XX/XX/year> 5. XXXX Date : XX/XX/year> 6. XXXX XXXX Date : XX/XX/year> 7. XXXX XXXX XXXX Date : XX/XX/year> Experian : 1. XXXXt Date : XX/XX/year> 2. XXXXXXXX XXXX  Date : XX/XX/year> 3. XXXX XXXX XXXX Date : XX/XX/year> 4. XXXX XXXX XXXX XXXX Date : XX/XX/year> 5. XXXX Date : XX/XX/year> 6. XXXX XXXX Date : XX/XX/year> 7. XXXX XXXX XXXX Date : XX/XX/year> Equifax : 1. XXXX XXXX Date : XX/XX/year> 2XXXX XXXX Date : XX/XX/year>4 3. XXXXXXXX XXXX XXXX XXXX Date : XX/XX/year> 4. XXXX XXXX XXXX  Date : XX/XX/year> 5. XXXX XXXX XXXX Date : XX/XX/year> 6. XXXXXXXX XXXX Date : XX/XX/year> 7. XXXX Date : XX/XX/year> Negative Accounts ( derogatory marks ) : TransUnion, Experian, Equifax all report the following negative or delinquent accounts : 1. First XXXXXXXX XXXX XXXX XXXX  : [ Redacted ] Status : Charged Off Balance : ~ {$500.00} Date of Last Activity : [ Estimated Early 2024 ] 2. XXXX XXXX XXXX Status : Charged Off / Past Due Balance : ~ {$800.00} Notes : Multiple 30120 day late notations 3. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charged Off Notes : High delinquency 4. XXXX Status : Charged Off / Collection Loan Type : Installment Personal Loan Balance : ~ $ XXXX Failure to comply will result in immediate legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and your states Attorney Generals Office.

This is your final notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation