Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Equifax Subject : Formal Dispute of Charged-Off Account Reporting Request for Deletion under TILA and FCRA.

Dispute of Bankruptcy Reporting- Violation of 15 U.S.C 1681 ( FCRA ) - Request for Immediate Removal I am writing to formally dispute the inaccurate and unfair reporting of a charged-off account currently listed on my credit profile. The accounts in question is listed as : Creditor Name : XXXX Account Number : XXXX Status : Charged-Off Other Accounts also Charged Off Status 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 Under 15 U.S. Code 1601 the Truth in Lending Act ( TILA ) I assert my right to full and accurate disclosure of credit terms, which includes proper notification and accounting of any alleged debt prior to negative reporting. Failure to meet these obligations undermines my consumer rights under federal law. I have not received the proper disclosures or validation regarding this account, which may constitute a violation of TILA.

Additionally, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S. Code 1681i ( a ) which requires that any item of information disputed by a consumer must be investigated and resolved within 30 days ; 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) which requires that furnishers of information to credit reporting agencies report only accurate and complete data ; 15 U.S. Code 1681e ( b ) which mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report.

This charged-off account is causing undue harm to my credit profile. Based on the above, I demand the following : Immediate investigation and verification of this account pursuant to the FCRA ; Deletion of this account from my credit profile within four ( 5 ) business days from receipt of this letter, or provide verified and documented proof that complies with TILA and FCRA standards ; A written statement confirming the outcome of your investigation and any actions taken.

As a consumer, I did not grant any authorization or consent for this bankruptcy to be shared with or reported by your agency to third parties. Furthermore, there is no evidence that any permissible purpose existed for this information to remain on my credit file. According to 1681b, access to my consumer report or any related data is only lawful under strict, specific conditions. Reporting a bankruptcy without verified permissible purpose is a direct violation of my rights under federal law.

The reporting of this bankruptcy is causing undue harm to my creditworthiness and reputation. I am therefore demanding the following : An immediate investigation into the origin and permissibility of this bankruptcy reporting ; Removal of the bankruptcy from my credit report within four ( 4 ) business days of receipt of this notice ; A written explanation detailing who reported this information, when, under what permissible purpose, and with what proof of consent. 

If your agency can not verify that this bankruptcy was reported in full compliance with FCRA 1681b, then by law it must be removed immediately from my credit profile.

If no action is taken, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and consider legal remedies for willful noncompliance and reputational damages.

Failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for damages resulting from negligent or willful noncompliance. 

This letter serves as formal notice and request. Please treat it with urgency and respond in writing to my address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief