Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as my third and final attempt to dispute and demand the permanent deletion of inaccurate, outdated, and unverifiable items from my credit report. You are now in clear violation of the Fair Credit Reporting Act ( FCRA ) for failing to conduct a reasonable reinvestigation and remove disputed items after multiple attempts on my part to resolve this matter.

I have already filed a complaint with the Federal Trade Commission ( FTC ), and if this issue is not resolved within 15 calendar days, I will escalate this case to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and will pursue civil legal action under FCRA 616 and 617 for willful and negligent noncompliance.

Negative Items Legal Violations & Deletion Requests 1. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Charge-Off Issue : Inaccurate and unverified reporting despite previous disputes. 
Request : Immediate deletion from all credit bureaus.

2. XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Status : Late Payments/ Derogatory Issue : Failed to verify accuracy after multiple disputes. 
Request : Immediate deletion due to FCRA violation.

3. XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Late Payments Issue : Inaccurate aging ; improper reporting timeline. 
Request : Immediate deletion due to stale and misleading data.

4. XXXX XXXX XXXX Account # : XXXX XXXX  * Opened : XX/XX/XXXX Status : Collection Issue : No verifiable contract or proof of debt. 
Request : Deletion based on failure to provide documentation.

5. XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Status : Collection Issue : Invalid reporting date ; no debt validation provided. 
Request : Immediate deletion for noncompliance.

6. XXXX XXXX Account # : XXXXXXXX XXXX Opened : XX/XX/XXXX Status : Collection Issue : Stale account ; unverifiable information still being reported. 
Request : Deletion under FCRA obligations. 
7. XXXX XXXX  ( Hard Inquiry ) Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry ; no permissible purpose. 
Request : Immediate removal of hard inquiry.

8. XXXXXXXX XXXX ( Hard Inquiry ) Inquiry Date : XX/XX/XXXX Issue : Inquiry was made without consent or application. 
Request : Deletion due to FCRA violation. 
Legal Reference According to FCRA 1681i, you are required to conduct a reasonable reinvestigation of disputed information. Under 607 ( b ), credit reporting agencies must ensure the maximum possible accuracy of reported data. If any item can not be verified with proper documentation, it must be deleted.

Personal Impact Statement The continued presence of these inaccurate items has caused severe personal and financial hardship. As a direct result of your failure to update or remove these accounts : I was denied housing for my family, despite otherwise qualifying, simply because of a collection account that has no verifiable origin.

Ive been forced to accept high-interest auto financing due to a derogatory item that should have been removed months ago.

A potential job offer was rescinded after a credit background check revealed outdated and inaccurate derogatory entries affecting my livelihood and mental health.

The emotional stress of repeated disputes with no resolution has taken a toll on my mental well-being and financial stability.

I have made every reasonable attempt to resolve this properly and within the bounds of the law. Your continued inaction reflects willful disregard for your responsibilities under the FCRA.

Final Demand I am demanding immediate deletion of all the accounts and inquiries listed above. Please send an updated credit report reflecting these deletions within 15 calendar days of receipt. Failure to comply will result in : A formal complaint with the CFPB, FTC, and State Attorney General Legal action for damages under FCRA 616 and 617 Requests for regulatory penalties due to repeated violations Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief