Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am in the process of applying for employment and have been informed by the XXXX department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable in If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE NATL RECOVER Account Number : XXXX Please remove it from my credit report. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY CB/VICSCRT Account Number : XXXX Please remove it from my credit report. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account XXXX : XXXX Please remove it from my credit report. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY DISCOVERCARD Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS AMERICANCR Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S. Code 1643 ( b ) - Burden of Proof XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report 15 U.S. CODE 1692K - CIVIL LIABILITY XXXX Account XXXX : XXXX Please remove it from my credit report. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy ABLTY RECVRY Account Number : XXXX Please remove it from my credit report. 
15 U.S. CODE 1692K - CIVIL LIABILITY CREDIT COLL Account Number : XXXX Please remove it from my credit report. 
Delete this account. 
Oh by the way I hope you understand that the FCRA states in the section below FCRA 611 ( a ) ( 7 ) : You must provide a description of the procedure used to determine the accuracy of the information, including the business name, address, and phone number of any furnisher of information contacted.

FCRA 609 ( a ) ( 1 ) ( A ) : You are required to provide a copy of any original documentation, such as a consumer contract with my signature, necessary to verify the accuracy of the information.

FCRA 611 ( 5 ) ( A ) : You must promptly delete any information that can not be verified. 
You have not provided the necessary documentation or verification as required by these sections, indicating non-compliance with the FCRA. The law clearly outlines civil liabilities and remedies for negligent non-compliance ( Section 617 ). As such, I am prepared to pursue litigation to enforce my rights under the FCRA. I have kept detailed records of each communication, including certified mail tracking, should legal action become necessary. 
I demand that the following accounts be verified or removed immediately. The absence of a wet signature on related documentation supports my dispute and raises concerns about potential fraud in the reporting of these accounts. 
Under 15 U.S. Code 1692e, debt XXXX are prohibited from misrepresenting the character, amount, or legal status of any debt. By continuing to report this incorrect information, you are in violation of this statute. Recent case law, including XXXX v. XXXX XXXX, XXXX ( XXXX ), underscores the obligation for accurate reporting and the prohibition against harmful misrepresentations. 
This is my fourth written request for verification. Your failure to provide this information and continued violation of my consumer rights will prompt me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) if not addressed immediately. These unverified accounts are obstructing my ability to obtain credit. 
The FCRA mandates that you verify the validity of the disputed items within 30 days. If the validity can not be verified, you are legally obligated to remove the items. Continued reporting of these disputed items without verification will compel me to seek actual damages and declaratory relief under the FCRA, potentially filing a claim in any qualified state or federal court, including small claims court. 
Non-compliance with the FCRA could result in fines of {$1000.00}, in addition to actual damages and attorneys fees, which I may seek through litigation. These collections are significantly impacting my ability to purchase a home and could lead to damages in the thousands. Reporting invalidated information may also constitute defamation.

Failure to remove these accounts from my credit report will result in additional fines and punitive damages. Non-compliance may lead to further legal action with the FTC and other state or federal agencies. 
Please investigate this matter thoroughly, correct or remove the inaccurate information from my credit file, and delete the disputed accounts. I also request written confirmation of the actions taken in response to this dispute. 
Under the FCRA, you are required to complete your investigation and respond within 30 days. 
Note that I do not consent to XXXX or any automated verification processes. I require physical verification and a thorough manual investigation of my dispute. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely,

Company response to consumer: Closed with non-monetary relief