Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This letter is a formal and final demand for the immediate deletion of the above-referenced XXXX XXXX XXXX XXXX account from my credit profile. This account is being reported inconsistently, inaccurately, and unlawfully across XXXX, XXXX, and Equifax, constituting direct violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 



Evidence of Inaccuracies Across Bureaus 1. XXXX  reports the account as Account charged off. {$26000.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX. XXXX  reports the account as Charged off as bad debt with charge-off in XX/XX/XXXX. 
3. Equifax reports the account as Charge-off with charge-off in XX/XX/XXXX. 
4. Payment history and last payment date differ across all three bureaus.

5. The status update dates and balance update dates are not uniform. 

This demonstrates clear data furnishing conflicts. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum accuracy. Multiple conflicting dates and statuses for the same account can not all be correct ; therefore, the reporting is false, misleading, and unverifiable. 



Violations of Federal Law FCRA 1681i ( a ) ( 5 ) ( A ) : Requires deletion of disputed information that is found to be inaccurate, unverifiable, or incomplete.

FCRA 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

FDCPA 807 ( 8 ) : Prohibits communicating or threatening to communicate credit information known to be false.

Case Law Precedent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) credit bureaus must do more than parrot information from furnishers ; failure to reasonably investigate warrants deletion. 



Demand for Immediate Deletion Due to the conflicting reporting and failure to maintain accuracy, this account is unverifiable under the law. You are hereby ordered to : 1. Permanently DELETE this XXXX XXXX XXXX XXXX account from my credit file with your bureau. 
2. Provide me with a corrected copy of my credit report reflecting the deletion within 15 calendar days of receipt of this notice.

3. Refrain from re-reporting this unverifiable tradeline in the future, as such would constitute willful noncompliance and expose you to liability under FCRA 616, 617. 



Notice of Liability Failure to delete this account will leave me no choice but to pursue legal remedies, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Initiating a civil action for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 

Be advised that each violation is subject to statutory damages, actual damages, punitive damages, and attorneys fees. 



Certification & Closing This letter serves as a formal dispute under the FCRA and FDCPA. Any continued reporting of this account after receipt of this notice will be treated as willful noncompliance.

Company response to consumer: Closed with non-monetary relief