Consumer complaint received 2025-08-01 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:
Subject : Urgent Request for Permanent Removal of Inaccurate Closed Account FCRA Violations To Whom It May Concern, I am filing this formal complaint regarding a closed account inaccurately reported on my credit file, which I did not authorize, open, or possess. This account is not mine, yet it continues to appear across all three major credit bureaus Experian, TransUnion, and Equifax marked as a Profit and Loss Write-off.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Despite previous disputes and notifications, this inaccurate data remains, impairing my financial reputation and causing undue harm. I am requesting immediate and permanent removal of this account from all credit reporting databases and demand that it not be reinserted under any circumstances. 
Legal Basis for My Demands : ( attached is also a copy of my identity theft report ) FCRA 1681e ( b ) : Duty to Ensure Maximum Accuracy Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

FCRA 1681i ( a ) : Reinvestigation of Disputed Information When a consumer disputes an item, agencies are required to conduct a reasonable reinvestigation and remove or correct any inaccurate, incomplete, or unverifiable information. 

FCRA 1681s-2 ( a ) : Responsibilities of Furnishers of Information Data furnishers must not report information they know or have reason to believe is inaccurate.

FCRA 1681s-2 ( b ) : Duty to Correct and Update Information Upon notice of a dispute, furnishers are required to investigate and correct any errors.

FCRA 1681i ( a ) ( 5 ) : Deletion and Notice of Reinserted Items If disputed information is removed, it can not be reinserted unless verified. If reinserted, the consumer must be notified. 

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e It is illegal to misrepresent the character, amount, or legal status of any debt.

Action Requested : - Immediate and permanent deletion of this inaccurate closed account from all three credit bureaus.- Written confirmation that this account has been removed and will not be reinserted.

- Investigation into the data furnisher 's practices for knowingly supplying false information. 
- Restoration of accurate credit reporting in compliance with federal law. 
I trust the CFPB will act decisively to enforce compliance and protect my rights under federal law. Please treat this complaint as urgent, as the continued reporting of this account is causing direct financial harm and distress As well as two auto finance XXXX XXXX and XXXX XXXX, that are showing inaccurately - This repossession is not accurately reported the post-sale deficiency was never updated or disclosed. 
- I was never properly notified or granted the right to redeem the vehicle, as required by law. 
- The account is marked as closed and charged off, yet these designations are misleading and harmful.

- I have documented proof of its removal from the other two credit bureaus.

- Equifaxs failure to correct this error after multiple disputes constitutes a violation of multiple federal statutes. 
Legal Violations and Statutory Basis : FCRA 1681e ( b ) Maximum Accuracy Requirement Equifax must maintain reasonable procedures to assure the maximum possible accuracy of credit reports. Continued inclusion of disputed and inaccurate data violates this duty.

FCRA 1681i ( a ) ( 1 ) ( A ) Duty to Reinvestigate Consumers have the right to dispute information, and Equifax is legally required to conduct a good-faith reinvestigation. Failure to update or delete unverifiable information is illegal.

FCRA 1681i ( a ) ( 5 ) ( A ) Removal and Reinsertion Safeguard If information is found to be inaccurate or unverifiable, it must be deleted and can not be reinserted without certification and consumer notice.

FCRA 1681s-2 ( b ) Furnishers Duty to Correct Errors The furnisher of this repossession data was notified of the dispute and failed to correct false information. Thats a direct violation of their legal responsibilities.

FDCPA 1692e Prohibition Against Misrepresentation Misrepresenting the legal status or amount owed after auction, and failure to notify me of my redemption rights, breaches the Fair Debt Collection Practices Act.

Uniform Commercial Code 9-610 & 9-614 Under the UCC, the secured party ( lender ) must send notice of sale and provide an opportunity for redemption. No such notice was provided.

15 U.S.C. 6801 Safeguards Rule ( Gramm-Leach-Bliley Act ) Credit reporting agencies must protect consumer data and ensure its integrity ongoing inaccurate reporting shows a failure in those obligations.

Demand for Remedy : I am demanding the immediate and permanent deletion of this repossession account from my Equifax report. It must never be reinserted or reappear. This is a flagrant and repeated violation of consumer protection laws. Equifax has failed in its duty to maintain accuracy, respond to disputes, and protect my financial identity.

Resolution Requested : - Permanent deletion of the inaccurate repossession account from my Equifax file - Written confirmation of the deletion and assurance it will not be reinserted - Investigation into the data furnishers and Equifax 's dispute-handling practices - Restitution for the harm caused by inaccurate reporting, if applicable Thank you for your time and attention to this urgent matter. I trust the CFPB will take swift action to enforce compliance and uphold federal consumer rights. 
Sincerely, XXXX XXXX XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation