Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
Final Dispute Letter to Equifax Date : XX/XX/XXXX Re : Final Dispute of Inaccurate Accounts, Demand for Legally Required Verification InformationConfirmation : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX )XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) CFPB Complaints : XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ) To Equifax, As a consumer with extensive knowledge of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and proven litigation success against credit bureaus and collectors ( e.g., XXXX, XXXX XXXX ), I submit this final dispute of the inaccurate XXXX XXXX XXXX XXXX accounts ( XXXX XXXX XXXX XXXX ) and XXXX XXXX account ( XXXX XXXXXXXX ) on my Equifax credit reports, as detailed in my XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX reports ( XXXX XXXXXXXX ), XX/XX/XXXX dispute results ( XXXX  XXXX ), and my CFPB complaint ( XXXX XXXXXXXX, closed XX/XX/XXXX ). XXXX XXXX owns XXXX XXXX  and XXXX XXXXXXXX. Since XX/XX/XXXX, I have provided legible drivers license, Social Security card ( XXXX ), and utility bill with every dispute. Your XX/XX/XXXX CFPB response, relying on e-OSCAR without providing required verification information, and the Consumer Financial Protection Bureaus {$15.00} XXXX penalty against you on XX/XX/XXXX, for deficient dispute investigations and improper reinsertion of inaccuracies, compel me to sue in the XXXX XXXX XXXX for the XXXX XXXX XXXX New York, XXXX XXXX, if you do not comply within 15 days ( by XX/XX/XXXX ). I thank you for violating my rights ; all documentation, including my repeated attempts to correct these inaccurate accounts, is included in my exhibits, and the judge will see my efforts in court. I demand the following legally required information to resolve these accounts or delete them if unverifiable. 
Legally Required Demands for Disputed Accounts : XXXX XXXXXXXX XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) - Closed, Charge-Off Reported : Balance {$11000.00}, credit limit {$11000.00}, charge-off, first delinquency XX/XX/XXXX, closed XX/XX/XXXX, past due {$11000.00}, reported XXXX XXXX XXXX per XX/XX/XXXX report. XXXX XXXX owns this account. 
Demands : Provide a written investigation report, including a statement that the investigation is complete, a description of the reinvestigation procedure, and the business name, address, and phone number ( if reasonably available ) of the furnisher who verified this account, per FCRA 1681i ( a ) ( 6 ) ( B ).

Provide a revised credit report reflecting deletion of this account if unverifiable, per FCRA 1681i ( a ) ( 5 ).

Include records of my submitted identity documents ( drivers license, Social Security card, utility bill ) used in the investigation. 




XXXX XXXXXXXX XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) - Closed, Charge-Off Reported : Balance {$1600.00}, credit limit {$1500.00}, charge-off, first delinquency XX/XX/XXXX, closed, past due {$1600.00}, reported XXXX XXXX XXXX, per XX/XX/XXXX report. XXXX XXXX owns this account. 
Demands : Provide a written investigation report, including a statement that the investigation is complete, a description of the reinvestigation procedure, and the business name, address, and phone number ( if reasonably available ) of the furnisher who verified this account, per FCRA 1681i ( a ) ( 6 ) ( B ).

Provide a revised credit report reflecting deletion of this account if unverifiable, per FCRA 1681i ( a ) ( 5 ).

Include records of my submitted identity documents ( drivers license, Social Security card, utility bill ) used in the investigation. 




XXXX XXXXXXXX XXXX ( Account XXXX XXXXXXXX ) - Collection Account Reported : Balance {$2500.00}, past due {$2500.00}, first delinquency XX/XX/XXXX, collection, reported XXXX XXXX XXXX, reinserted XX/XX/XXXX after absence in XXXX XXXX, per XX/XX/XXXX report. 
Demands : Provide a written investigation report, including a statement that the investigation is complete, a description of the reinvestigation procedure, and the business name, address, and phone number ( if reasonably available ) of the furnisher or collection agency who verified this account, per FCRA 1681i ( a ) ( 6 ) ( B ). 
Provide documentation justifying the reinsertion of this account in XX/XX/XXXX, including furnisher/collection agency correspondence and notification records, per FCRA 1681i ( a ) ( 5 ) ( B ).

Provide a revised credit report reflecting deletion of this account if unverifiable, per FCRA 1681i ( a ) ( 5 ). 
Include records of my submitted identity documents ( drivers license, Social Security card, utility bill ) used in the investigation. 





Additional Demands : Provide a comprehensive investigation report for all disputes from XX/XX/XXXX to XX/XX/XXXX, including all communications with XXXX XXXX and XXXX, per FCRA 1681i ( a ) ( 6 ). 
Send revised credit reports for XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, reflecting removal of these accounts if unverifiable. 

Final Notice : This is your final opportunity to provide the legally required investigation reports, furnisher details, reinsertion documentation, and revised credit reports. Failure to comply within 15 days ( by XX/XX/XXXX ) will result in a lawsuit in the XXXX XXXX of New York, XXXX XXXX, leveraging my litigation experience, evidence of harm ( XXXX XXXX  denial, XX/XX/XXXX, score XXXX ), and the CFPBs XX/XX/XXXX findings against you. This letter, enclosures, and your response will be part of my court record. 
Respond to the address above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation