Consumer complaint received 2025-04-12 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15U.S.C.1681i ( a ) ( 7 ), creditreporting agencies must provide a detailed description of the investigation procedure performed in response to a consumer dispute within15days of receipt.

In my prior dispute letter dated XX/XX/XXXX, I

requested verification of the account identified below.To date, I have not received an adequate description of the investigative steps taken to ensure the informations accuracy and verifiability. # # # Account Details in Dispute Creditor Name XXXX XXXX XXXX XXXX  Partial Account XXXX XXXX High Balance {$890.00} Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Status Closed Collection/Chargeoff ( Derogatory ) Key Discrepancy : Only Equifax reports this derogatory chargeoff ; XXXX and XXXX show no record of the account, calling into question the datas accuracy and legitimacy. # # # Discrepancies Identified & Legal Violations 1. Inconsistent Reporting Across BureausLegal Basis : FCRA1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. A legitimate debt should appear uniformly across all national CRAs.Requested Action : Manual verification with originalsource documentation. Delete the account if consistency can not be established. 2. Unverified ChargeOff StatusLegal Basis : FCRA1681s2 ( a ) ( 1 ) ( A ) furnishers may not report information they know or should know is inaccurate.Requested Action : Provide documentation substantiating the chargeoff ( e.g., account ledger, chargeoff worksheet ). Absent proof, delete the account. 3. PaymentHistory Errors ( Equifax ) Equifaxs twoyear grid shows a mix of OK, 30,60,90,120day lates, and CO , which is impossible once an account is charged off.Legal Basis : FCRA1681e ( b ) and UDAAP12U.S.C.5531 deceptive or misleading reporting.Requested Action : Correct or delete the payment history ; if accuracy can not be ensured, delete the entire tradeline. 4. Failure to Provide Investigation DescriptionLegal Basis : FCRA1681i ( a ) ( 7 ) CRAs must supply a full procedural description within15days of a consumers request.Requested Action : Deliver the complete investigation narrative or delete the account for noncompliance. # # # Basis for Dispute & Governing Law ( unchanged ) * 609 [ 15U.S.C.1681g ] Right to full file disclosure and manual verification. * 611 [ 15U.S.C.1681i ] Reinvestigation of disputed information ; 611 ( a ) ( 5 ) deletion of unverifiable data. * 623 [ 15U.S.C.1681s2 ] Duties of furnishers to report accurately. * 607 [ 15U.S.C.1681e ( b ) ] Reasonable procedures for maximum possible accuracy. * 604 [ 15U.S.C.1681b ] Permissible purpose for accessing a consumer report. * Truth in Lending Act ( TILA ) 1601 Ensuring truthful credit disclosures. * Public Law91506, TitleVI, 611 Removal of inaccurate or incomplete information. Supporting Case Law ( retained ) : * Cortezv.TransUnion, LLC,617F.3d688 ( 3dCir.2010 ) * Dennisv.BEH1, LLC * Hensonv.CSC Credit Services,29F.3d280 ( 7thCir.1994 ) # # # Consequences of NonCompliance If I do not receive the required investigation description within15days, or if the account can not be fully verified, I demand its immediate deletion. Otherwise, I will : * File complaints with the, FTC, and my state attorney general ; * Initiate a claim seeking up to {$5000.00} per violation in smallclaims court; * Pursue additional relief for defamation and willful FCRA noncompliance. # # # Summary of Requested Relief 1. Provide a complete, written description of all investigative procedures used. 2. Produce the original, signed contract or other primary evidence validating the debt. 3. Delete the XXXX tradeline if verification is not supplied within15days.

4. Confirm in writing that any deletion is permanent and will not be reinserted without full statutory compliance.

Company response to consumer: Closed with explanation