Consumer complaint received 2025-10-14 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:
Date : XX/XX/XXXX Re : URGENT Demand for Immediate Deletion & Willful Violation Notice Consumer : XXXX XXXX XXXX XXXX Tradeline : XXXX  / Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as CHARGE-OFF / DEROGATORY Balance shown {$25000.00} / {$26000.00} ; Date of Last Activity : listed XX/XX/XXXX / XX/XX/XXXX ( inconsistencies present ). 


To Whom It May Concern : This is a formal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and notice of potential willful violations. The above-referenced tradeline is inaccurate, inconsistent between bureaus, and/or not supported by appropriate verification. You have a statutory duty to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation on notice of dispute ( 15 U.S.C. 1681i ).

I hereby demand, forthwith and not later than XXXX business days, that you : XXXX. Immediately mark this account as UNDER DISPUTE ( if not already ) and confirm in writing. 
XXXX. Conduct a full, documented, and meaningful reinvestigation into the reporting of this account not a sham or automated re-fingerprint. You must contact the furnisher and require them to provide the original signed contract, chain of title, complete account history, proof of amount owed, dates, and any settlement documentation. If the furnisher fails to provide admissible verification within the statutory investigatory window, you must delete the tradeline from my file entirely across all sections and notify all recipients who received the tradeline in the last XXXX years. See 15 U.S.C. 1681i ( a ) ( 5 ), 1681s-2 ( b ). 
XXXX. If you choose to verify rather than delete, provide verifiable documentary proof : ( a ) original application / signature ; ( b ) chain of assignment/ownership ; ( c ) complete payment history showing how amount was calculated ; ( d ) proof that the consumer was properly notified of charge-off dates per account contract. A simple electronic response from the furnisher that lacks these documents is unacceptable. 
XXXX. Provide written confirmation of your actions and full copies of all correspondence exchanged with the furnisher, within XXXX business days. Failure to do so is evidence of willful noncompliance. 



By your continued reporting of inaccurate or unverifiable information you are exposing yourself to statutory and punitive damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and to attorneys fees and costs. This letter constitutes a demand for relief and notice that I will seek maximum statutory and punitive damages, actual damages for lost credit opportunities, emotional distress, and any other relief permitted by law if you fail to delete the tradeline immediately. 


Demand amount ( initial negotiation demand ) : Minimum {$50000.00} from the bureau for willful violations regarding this tradeline ( in addition to separate demands to the furnisher ). This is a good-faith settlement demand to avoid litigation. If you prefer to litigate, I will pursue full statutory and punitive relief available under federal and state law. 


Sincerely,

Company response to consumer: Closed with explanation