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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a follow-up to my previous dispute, in which I exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. You had 30 days to respond and comply under federal law. Since you failed to make the required corrections, I now demand immediate action within 15 days from the receipt of this letter, or legal action will be pursued.

1. PERSONAL INFORMATION TO BE CORRECTED Name Correction : Remove XXXX XXXX and XXXX A XXXX. 
Correct Name : XXXX XXXX XXXX Address Correction : Remove XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This is the only address I have been associated with. I do not recognize or have any connection to the XXXX XXXX XXXX address. 

XXXX. ACCOUNT CORRECTIONS REQUESTED These accounts have been either inaccurately marked or improperly verified. I have never missed payments on these accounts, and the information reported is false, incomplete, or unverifiable : A. XXXX XXXX Issue : Listed as Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Request : I have no knowledge of this debt. I have never had an account with XXXX XXXX. 
Action : REMOVE IMMEDIATELY from all consumer reporting files. 
Legal Basis : 15 U.S. Code 1692g Debt not validated upon dispute ; FDCPA violation. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Reflecting as Paid, Closed but shows XXXX late payments as of XX/XX/XXXX. 
Request : Update to Paid As Agreed, NEVER LATE. I have never missed any payments on these accounts. 
Action : Update account status, correct payment history. 
Legal Basis : XXXX U.S. Code 1666b Creditor must provide notice at least 21 days before payment due ; 15 U.S. Code 1681s-2 Duty to ensure accurate information reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX Issue : Status Paid, Closed with 30-day late as of XX/XX/XXXX. 
Request : Do NOT remove. Instead, update status to Paid as agreed, NEVER LATE. 
Reason : This is a positive account with valuable credit history. The late payment is inaccurate and harmful. 
Legal Basis : 15 U.S. Code 1681i Failure to verify inaccurate negative information.

3. DEMAND FOR ACTION I now demand the following actions within 15 calendar days : All inaccurate names and addresses to be permanently removed. 

All inaccurate late payments to be corrected to NEVER LATE. 

Unverified collections ( XXXX XXXX ) to be deleted entirely. 

XXXX. NOTICE OF FEDERAL COMPLIANCE REQUIREMENTS If your agency can not provide documentation validating these claimsincluding original contracts, payment history, and written authorizationyou are required to : Cease reporting the disputed item ( XXXX ) immediately. 

Notify all third-party credit reporting agencies of the corrections. 

Provide a new consumer disclosure showing the updated report. 

Failure to comply will result in complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Florida Attorney Generals Office Legal counsel for civil claims under FDCPA & FCRA

Company response to consumer: Closed with explanation