Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Inaccurate and Legally Compromised Reporting by XXXX XXXX XXXX Dear Equifax and XXXX, I am formally disputing the validity and accuracy of the XXXX XXXX XXXX collection account that is currently being reported on my credit file. This account is riddled with multiple inconsistencies, inaccurate information, and is being reported differently across both credit bureaus, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



Here are the specific reasons for my dispute : XXXX. Inaccurate Payment Information : The account shows a payment history, even though I have never made any payments on this account. 

The payment status is listed as no information, which directly contradicts the existence of a payment history. 

XXXX. Contradictory and Incomplete Reporting : Equifax and XXXX  report different details for this account, violating the requirement under FCRA 623 ( a ) ( 1 ) ( A ) that furnishers provide accurate information to all consumer reporting agencies.

This contradicts FCRA 607 ( b ) which requires CRAs to maintain maximum possible accuracy. 

XXXX. Legal Concerns Regarding Data Integrity : XXXX XXXX XXXX was involved in a XXXX data breach, impacting over XXXX XXXX consumers, as well as lawsuits involving misleading and inaccurate reporting practices. 

This breach, as documented in public records ( see attached ), involved unauthorized access to Social Security numbers, bank data, and other sensitive information. 

Due to this breach and XXXX failure to safeguard consumer data, the validity of all reported accounts from this furnisher must be heavily scrutinized. 

XXXX. FDCPA and Regulation F Violations : XXXX has previously been sued for : Misleading letters regarding statute of limitations. 

Failing to state amounts owed or interest terms. 

Sending notices that violated FDCPA 809 and Regulation F ( 12 CFR Part 1006 ).

Formal Request Under the FCRA 611 ( 15 U.S.C. 1681i ), I am demanding that you : 1. Immediately investigate the XXXX XXXX XXXX account for the above-referenced issues. 

XXXX. Delete this account from my credit file if it can not be fully verified as accurate and legally reportable. 

XXXX. Provide me with a written method of verification under FCRA 611 ( a ) ( 7 ). Specifically : Who verified the account who did you Interview What documentation was used.

The time, date, and number used to verify.

A copy of the documentation relied upon.

If the account can not be fully verified with accurate, original, and complete documentation, it must be removed within 30 days of receipt of this letter, or within 15 days under an expedited dispute resolution timeline as allowed under the FCRA. 



Enclosures : Screenshots and evidence of lawsuits and legal violations by XXXX XXXX XXXX. 

copy of my government-issued ID and SS XXXX ( if required for identity verification ). 



Failure to comply will result in complaints being filed again with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potentially, legal action for willful noncompliance under FCRA XXXX and XXXX. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation