Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
INFORMATION ON MY CREDIT REPORT IS INACCURATE NOTICE OF CONSUMER RIGHTS & LEGAL BASIS FOR DISPUTE Prepared for : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Date : XX/XX/XXXX This letter is submitted under authority of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ) to demand investigation, verification, and deletion of inaccurate or unverifiable credit information.

Applicable Federal Statutes FCRA 1681i Right to reinvestigation of disputed information.

FCRA 1681e ( b ) Duty to maintain maximum possible accuracy.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) Prohibits false furnishing and requires correction/deletion.

FCRA 1666b Requires accurate reporting of credit transactions and payments.

FCRA 1681n & 1681o Civil liability for non-compliance.

FDCPA 1692g & 1692e ( 8 ) Requires validation of debt and prohibits false credit communication.

FDCPA 1692c ( c ) Cease and desist right from further contact.

UCC 1-308, 3-501, 9-210 Right to reservation of rights, proof of claim, and accounting.

Enforcement Precedent : The Consumer Financial Protection Bureau ( CFPB ) has issued enforcement actions and consent orders against XXXX Equifax, and XXXX  for failing to properly investigate disputes and reporting inaccurate information. Compliance with all FCRA standards is required. 

DISPUTE & CEASE-AND-DESIST LETTER EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Cease and Desist Negative Credit Reporting Dear XXXX Dispute Department , I am formally disputing the accuracy and validity of the following accounts listed on my credit report. Under the FCRA, FDCPA, and XXXX, I demand that each account be verified with documentary proof or permanently deleted from my credit file. 

Disputed Accounts 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 | Balance : {$2300.00} | Last Activity : XX/XX/XXXX | Last Payment : XX/XX/XXXX These items are being reported inaccurately and without proper validation or contractual evidence. Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days. Failure to verify the accuracy of each item must result in its deletion from my credit file.

Furthermore, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against all major credit bureaus for improper investigations and continued reporting of inaccurate data. In light of these precedents, I expect strict compliance with the FCRA and FDCPA.

Cease and Desist Notice Under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist from any collection activities or communications regarding these accounts except to confirm deletion or closure of your investigation. Any further reporting or attempt to collect without verification will constitute a willful violation of federal law subject to civil penalties under 15 U.S.C. 1681n and 1692k.

If the furnisher or Equifax can not produce the original signed agreements, complete payment histories, and chain-of-title documentation, these accounts must be deleted immediately. Please send written confirmation of the results of your reinvestigation to my mailing address above. 

Thank you for your prompt attention and compliance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief