Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This communication is a Debt Validation & Cease-and-Desist order under FDCPA XXXX that halts all reporting and collection until full validation is delivered. 

I am writing to formally DISPUTE and DEMAND THE IMMEDIATE DELETION of the following inaccurate, unverifiable, and legally non-compliant information from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX USC XXXX. 

ACCOUNTS DEMANDED FOR DELETION The following accounts contain inaccurate information and MUST BE DELETED in their entirety : Account XXXX - DEMAND FOR DELETION : Creditor : XXXX XXXX Account Number : XXXX Current Status : Collection Balance Reported : {$630.00} DEMAND : COMPLETE DELETION of this account due to inaccurate reporting Legal Basis for Deletion : Violation of XXXX USC XXXX ( a ) - Furnisher accuracy requirements Violation of XXXX USC XXXX XXXX Failure to properly investigate Violation of XXXX XXXX XXXX compliance requirements Method of Verification Questions ( per FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) XXXX ) Which furnisher was contacted ( name/address/phone ) and how? 

XXXX ) What documents were reviewed ( provide copies )? 

XXXX ) Who verified ( title/qualifications )? 

XXXX ) How were DOFD and balance accuracy confirmed? 

XXXX ) XXXX XXXX XXXX checks validated status/payment rating/date order? 

Violation of FDCPA XXXX - Unfair debt collection practices Violation of FDCPA XXXX - False or misleading representations Violation of FDCPA XXXX - Unfair practices in collecting debts Account XXXX - DEMAND FOR DELETION : Creditor : XXXX  XXXX XXXX Account Number : XXXX-XXXX-XXXX-XXXX ( Must be verified ) Current Status : Charge-off Balance Reported : {$5900.00} Detected Late Entries : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) DEMAND : COMPLETE DELETION of this account due to inaccurate reporting Legal Basis for Deletion : Violation of XXXX USC XXXX ( a ) - Furnisher accuracy XXXX Violation of XXXX USC XXXX - Failure to properly investigate Violation of XXXX XXXX Format compliance requirements Method of Verification Questions ( XXXX FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) XXXX ) Which furnisher was contacted ( name/address/phone ) and how? 

XXXX ) What documents were reviewed ( provide copies )? 

XXXX ) Who verified ( title/qualifications )? 

XXXX ) How were DOFD and balance accuracy confirmed? 

XXXX ) XXXX XXXX XXXX checks validated status/payment rating/date order? 

Violation of FDCPA XXXX - Unfair debt collection practices Violation of FDCPA XXXX - False or misleading representations Violation of FDCPA XXXX - Unfair practices in collecting debts Account XXXX - DEMAND FOR DELETION : Creditor : XXXX XXXX Account Number : XXXX Current Status : Charge-off Balance Reported : {$9300.00} DEMAND : COMPLETE DELETION of this account due to inaccurate reporting Legal Basis for Deletion : Violation of XXXX USC XXXX XXXX a ) - Furnisher accuracy requirements Violation of XXXX USC XXXX - Failure XXXX properly investigate Violation of XXXX XXXX Format compliance XXXX Method of Verification Questions ( per FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) XXXX ) Which furnisher was contacted ( name/address/phone ) and how? 

XXXX ) What documents were reviewed ( provide copies )? 

XXXX ) Who verified ( title/qualifications )? 

XXXX ) How were DOFD and balance accuracy confirmed? 

XXXX ) XXXX XXXX XXXX checks validated status/payment rating/date order? 

Violation of FDCPA XXXX - Unfair debt collection practices Violation of FDCPA XXXX - False or misleading representations Violation of FDCPA XXXX - Unfair practices in collecting debts Account XXXX - DEMAND FOR DELETION : Creditor : XXXX XXXX  Account Number : XXXX Current Status : Charge-off Balance Reported : {$6200.00} DEMAND : COMPLETE DELETION of this account due to inaccurate reporting Legal Basis for Deletion : Violation of XXXX USC XXXX XXXX a ) - Furnisher accuracy requirements Violation of XXXX USC XXXX - Failure XXXX properly investigate Violation of XXXX XXXX Format compliance XXXX Method of Verification Questions ( per FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) XXXX ) Which furnisher was contacted ( name/address/phone ) and how? 

XXXX ) What documents were reviewed ( provide copies )? 

XXXX ) Who verified ( title/qualifications )? 

XXXX ) How were DOFD and balance accuracy confirmed? 

XXXX ) XXXX XXXX XXXX checks validated status/payment rating/date order? 

Violation of FDCPA XXXX - Unfair debt collection practices Violation of FDCPA XXXX - False or misleading representations Violation of FDCPA XXXX - Unfair practices in collecting debts Account XXXX - DEMAND FOR DELETION : Creditor : XXXX XXXX Account Number : XXXX Current Status : Charge-off Balance Reported : {$6100.00} DEMAND : COMPLETE DELETION of this account due to inaccurate reporting Legal Basis for Deletion : Violation of XXXX USC XXXX XXXX a ) - Furnisher accuracy requirements Violation of XXXX USC XXXX - Failure XXXX properly investigate Violation of XXXX XXXX Format compliance XXXX Method of Verification Questions ( per FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) XXXX ) Which furnisher was contacted ( name/address/phone ) and how? 

XXXX ) What documents were reviewed ( provide copies )? 

XXXX ) Who verified ( title/qualifications )? 

XXXX ) How were DOFD and balance accuracy confirmed? 

XXXX ) XXXX XXXX XXXX checks validated status/payment rating/date order? 

Violation of FDCPA XXXX - Unfair debt collection practices Violation of FDCPA XXXX - False or misleading representations Violation of FDCPA XXXX - Unfair practices in collecting debts SPECIFIC DEMANDS FOR ACTION I hereby DEMAND : IMMEDIATE DELETION REQUIRED DELETE all above-listed accounts in their entirety REMOVE all associated negative payment history ELIMINATE all derogatory marks and comments EXPUNGE all collection references and charge-off notations LEGAL COMPLIANCE REQUIRED VERIFY all account numbers and creditor information SUBSTANTIATE all reported balances with documentation CONFIRM all dates and payment history with original records VALIDATE all collection activities under FDCPA requirements REINVESTIGATION STANDARDS CONTACT each furnisher within XXXX business days REQUEST complete account documentation VERIFY XXXX XXXX format compliance XXXX any unverifiable information immediately DEBT VALIDATION & CEASE-AND-DESIST ORDER Under FDCPA XXXX and FCRA XXXX, you must immediately validate every alleged debt and cease all collection, reporting, and data sharing until validation is completed. Provide : Chain of title proving legal ownership All contracts, statements, and payment histories XXXX XXXX XXXX XXXX compliance for every reported field XXXX confirmation that all collection activity is suspended pending validation Failure to validate within XXXX  days requires deletion of each account and permanent cessation of collection activity. 

XXXX ACCELERATION NO FORM LETTERS I legally and lawfully REFUSE any generic form letter response. You now have XXXX days, not XXXX, to comply with all demands above. 

STATUTORY VIOLATIONS IDENTIFIED The following violations of federal law have been identified : FCRA Violations ( XXXX USC XXXX ) XXXX ( a ) - Furnishing inaccurate information XXXX ( b ) - Failure to investigate disputed information XXXX - Inadequate reinvestigation procedures XXXX ( b ) - Failure to follow reasonable procedures FDCPA Violations ( XXXX USC XXXX ) XXXX XXXX Unfair debt collection practices XXXX - False or misleading representations XXXX - Unfair practices in collecting debts STATUTORY DAMAGES CALCULATION Based on identified violations, potential damages include : FCRA Statutory Damages : $ XXXX {$1000.00} per violation XXXX accounts = {$6000.00} FDCPA Statutory Damages : {$1000.00} per violation collection accounts Federal Compliance Violations : Student loans and regulatory violations Actual Damages : Credit score harm, loan denials, higher interest rates Punitive Damages : For willful non-compliance ( Round XXXX multiplier : XXXX ) Attorney Fees : Recoverable under both FCRA and FDCPA TOTAL POTENTIAL DAMAGES : {$14000.00} - {$26000.00} DEMAND FOR SPECIFIC PERFORMANCE Within 20 Days, YOU MUST : DELETE all disputed accounts listed above PROVIDE written confirmation of all deletions SEND updated credit report showing deletions NOTIFY all parties who received reports in past XXXX  years CONFIRM removal from all Credit reporting agencies products and services Failure to Comply Will Result In : CFPB Complaint filing State Attorney General complaint Federal Court Action for FCRA violations XXXX for XXXX XXXX XXXX to {$12000.00} Attorney Fee Recovery under XXXX USC XXXX XXXX XXXX COMPLIANCE DEMAND XXXX furnishers XXXX comply with XXXX XXXX Format requirements. Any account that fails to meet XXXX XXXX standards MUST BE DELETED immediately. 

XXXX XXXX XXXX Violations : Inaccurate account status codes Incorrect balance reporting Invalid date information Non-compliant payment history codes REINSERTION PROTECTION Any account that you delete MUST NOT be reinserted unless the furnisher certifies that the information is complete and accurate. If reinsertion occurs you are required, under XXXX U.S.C XXXX ( a ) ( XXXX ), to notify me in writing within XXXX  days and to provide all documentation supporting such reinsertion. Failure to do so constitutes an additional FCRA violation and will trigger immediate legal action. 

CONCLUSION AND DEMAND This is a formal legal demand for the IMMEDIATE DELETION of all disputed accounts. These accounts contain inaccurate, unverifiable, or non-compliant information that violates federal law. 

I DEMAND COMPLETE DELETION, NOT INVESTIGATION. INVESTIGATION IS INSUFFICIENT. 

Failure to delete these accounts within XXXX days will result in legal action to enforce my rights under federal law. 

CERTIFICATION I certify under penalty of perjury that the information in this dispute is true and correct to the best of my knowledge. 

Sincerely,

Company response to consumer: Closed with explanation