Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
DISPUTE LETTER TO TRANSUNION & EQUIFAX ( FCRA VIOLATION DEMAND FOR IMMEDIATE DELETION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX To : XXXX XXXX Department XXXX XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Demand for Deletion Under FCRA To Whom It May Concern, Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the inaccurate and unverified account appearing on my credit report. You are hereby put on notice that the following account is being erroneously reported and must be immediately deleted due to non-compliance with federal consumer protection laws. 
Furnisher : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  : [ Insert Partial Account Number ] Date Opened : XX/XX/XXXX Balance : {$760.00} FCRA VIOLATIONS MANDATORY DELETION REQUIRED BY LAW 1. VIOLATION OF 15 U.S.C. 1681e ( b ) DUTY TO ENSURE MAXIMUM POSSIBLE ACCURACY XXXX and Equifax have failed to ensure maximum possible accuracy, as mandated by 1681e ( b ), which states : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Since the furnisher has not provided legally sufficient documentation proving I owe this alleged debt, this entry must be deleted immediately per statutory requirements.

2. VIOLATION OF 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) FAILURE TO CONDUCT A REASONABLE INVESTIGATION Upon dispute, a credit bureau must conduct a reasonable reinvestigation within 30 days. The law states : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Any reinvestigation must produce original, verifiable documentation, not mere confirmation from the furnisher. If no valid proof exists, this account must be permanently deleted.

3. VIOLATION OF 15 U.S.C. 1681b ( a ) IMPERMISSIBLE REPORTING WITHOUT CONSENT Under 1681b ( a ), a credit reporting agency may only report accounts with a permissible purpose under the law.

No such permissible purpose exists for reporting fraudulent, inaccurate, or unverified debts. 

DEMAND FOR IMMEDIATE ACTION Given these clear legal violations, TransUnion and Equifax are required to : 1. IMMEDIATELY DELETE THIS ACCOUNT from my credit file under FC

RA 1681i ( a ) ( 5 ). 2. Provide written confirmation of the deletion within 15 days. 3. Cease all reporting of unverified information and prevent re-insertion per 1681i ( a ) ( 5 ) ( B ).

Failure to comply will result in legal action under 15 U.S.C. 1681n, which entitles me to : Actual damages, Statutory damages of up to {$1000.00} per violation, Attorneys fees, and Punitive damages for willful noncompliance. 

I expect a written response confirming deletion within 15 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation