Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FINAL NOTICE FCRA Dispute & Demand for Immediate Deletion To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA 602, 607 ( b ), 611 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), and UCC 3-603 & 3-604 regarding the following accounts : Equifax 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  As of today, you have failed to provide a response or proof of verification within the statutory time frame. This is a direct violation of FCRA 1681i ( a ) ( 1 ) ( A ).

Let me be unequivocally clear : Unless you can produce original contracts with my wet signature proving I originated these accounts, you are required to delete these accounts immediately. 
Screenshots, digital records, or data dumps are legally insufficient. 
Closed/ Written-Off/ Paid/ Charged-Off accounts can not continue reporting or accessing my credit information without my express permission, and duplicating accounts to avoid verification/ prolong is illegal.

Basis of Dispute 1. Duplicated & Re-Aged Accounts After I disputed these accounts and requested verification, including the wet-ink signature of the original contract, the creditor ( or furnisher ) responded by changing the account number, duplicating the tradeline, and then closing it again.

This practice of re-aging or duplicating accounts to avoid deletion is a direct violation of FCRA 623 ( a ) ( 5 ) ( prohibiting re-aging of accounts ) and demonstrates malicious intent to continue harming my credit file.

2. Debt Already Satisfied/ Discharged by Creditor These accounts are already listed as closed/charged-off/written-off/paid, meaning the creditor has been compensated through insurance claims, tax write-offs, or securitization of the note. 
Under UCC 3-603 ( b ), once an obligation is satisfied by any party, it is discharged and can not lawfully be pursued or reported again.

3. Fraudulent Continued Collection By duplicating and re-aging the accounts, the furnisher is misrepresenting the status of the debt, which is a violation of both FCRA 607 ( b ) ( accuracy ) and FDCPA 807 ( 2 ) ( A ) ( false representation of debt ).

This constitutes unlawful continued collection activity through credit reporting, even though the accounts are closed.

4. Lack of Lawful Verification I specifically requested the original wet-ink signed contract for verification. Instead of producing it, the furnisher manipulated the reporting by altering account numbers. 
This is a failure to verify under FCRA 611. Without proof of an original signed contract, these tradelines are unverifiable and must be deleted.

5. Unauthorized Reporting These accounts are closed. Closed accounts should not have ongoing monthly updates or derogatory notations WITHOUT MY EXPRESSED PERMISSION. 
Allowing continued reporting access after closure is beyond the scope of authorization and constitutes willful misconduct. 

Consider this your final notice. I demand written confirmation of deletion within 10 business days of receipt. Any further delay or attempt to evade compliance will trigger immediate legal action.

This matter is urgent, non-negotiable, and any further malfeasance will escalate your liability. 

The bureau failed to comply with FCRA XXXX reinvestigation timelines. My dispute was submitted XX/XX/XXXX. No lawful response has been received. I demand deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief