Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : Equifax XXXX  XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Information Request for Immediate Deletion Under FCRA Dear Equifax, I am writing to formally dispute inaccurate and unverifiable information currently listed on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., I am requesting the immediate deletion of the following item ( XXXX ) due to violations of my rights as a consumer and recent legal scrutiny regarding your procedures. 

Account in Dispute : Creditor Name : XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX  XX/XX/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 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 XX/XX/XXXX Reporting Agency : Equifax and XXXX  Basis of Dispute : The item is inaccurate, incomplete, and unverifiable. 
You are reporting information that can not be verified per FCRA 1681i ( a ) ( 1 ) ( A ), which mandates you to conduct a reasonable reinvestigation within 30 days. 
If the information can not be verified, you must delete it per 1681i ( a ) ( 5 ) ( A ). 
The continued reporting of this account despite its inaccuracy constitutes willful noncompliance under FCRA 1681n, and negligent noncompliance under 1681o. 

Recent Legal Precedent : Recent lawsuits against both Equifax and XXXX, including class actions and regulatory actions, have shown that both agencies have routinely violated consumer rights by failing to properly investigate disputes, verify data accuracy, and correct errors in a timely manner. Courts have found that : Agencies often rely on automated responses and do not conduct meaningful investigations, violating FCRA 1681i. 
Consumers rights to a fair dispute process have been routinely undermined. 

Given this precedent, I am asserting my rights and demanding that the account be : 1. Immediately investigated and verified using original documentation ( not automated e-OSCAR responses ).

2. Deleted if verification can not be completed within the statutory time limit. 
3. Accompanied by a written notice of results under FCRA 1681i ( a ) ( 6 ). 

Supporting Documents Included : Copy of my government-issued ID Proof of address ( utility bill or bank statement ) Copy of credit report with the disputed item highlighted Failure to comply with this request and to remove unverifiable or inaccurate information will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action for damages as allowed under FCRA 1681n and 1681o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation