Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
XXXX XXXX  ACC # XXXX OPEN XX/XX/XXXX {$6900.00} XXXX XXXX - XXXX XXXX ACC XXXX OPEN XX/XX/XXXX {$620.00} INACCURATE/UNVERIFIED RE-PRESENTATION To Whom It May Concern : This letter is a formal demand for the immediate reinvestigation and deletion of these accounts which your records reflect as " verified '' despite the absence of any supporting proof or documentation. I previously disputed this account on [ date of initial dispute ], yet your bureau/furnisher reported the account as VERIFIED without providing any validation or documentation demonstrating the accuracy of the alleged debt.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, a consumer reporting agency must conduct a reasonable reinvestigation of disputed information and, if the information can not be verified, must promptly delete or correct the item. In addition, furnishers of information have duties under 15 U.S.C. 1681s-2 to investigate disputes forwarded by consumer reporting agencies and to report the results of any investigation.

You have failed to meet your statutory obligations. Specifically : 1. I have not received any documentation, itemized statements, contract, or other proof validating the alleged debt.

2. Your reporting and continued designation of this account as " verified '' is demonstrably inaccurate and materially harms my creditworthiness.

Demand : Within 30 days of receipt of this letter you must : a ) Conduct a reasonable reinvestigation of this account ; b ) Provide me in writing a complete copy of any documents or evidence you relied upon to " verify '' the account ( including, but not limited to, account statements, signed contracts, chain-of-title for any assigned debt, billing records, collection notes, or electronic account logs ) ; c ) If you can not produce competent and admissible proof validating the debt, you must delete this account entirely from my credit file with all nationwide consumer reporting agencies to which you reported it, and provide written confirmation of deletion to me and to the major credit bureaus ; d ) Cease all collection efforts and communications related to this disputed account until your reinvestigation is complete and the account is proven with admissible evidence.

Legal Notice : If you fail to comply with the FCRA and related duties, I will pursue all available legal remedies.

The FCRA provides for statutory and punitive damages for willful noncompliance ( 15 U.S.C.

1681n ) and for actual damages for negligent noncompliance ( 15 U.S.C. 1681o ). I will not hesitate to file suit seeking statutory damages, actual damages, attorneys ' fees, and costs if this matter is not corrected immediately.

Further, if you furnishers have willfully reported inaccurate information, you may also be liable for violations under state consumer protection statutes.

Preservation Notice : Preserve and retain all records, electronically stored information, communications, and evidence related to this account, including, but not limited to, internal notes, investigation logs, communications with other entities, assignment documents, and any documents you claim as proof of the debt. Any destruction or spoliation of evidence will be considered willful conduct and may be the subject of a separate claim for sanctions and spoliation damages.

Conclusion : This is my final demand for correction and proof. If you do not provide the requested documentation and/or remove the account within 30 days, I will file suit without further notice. I reserve all rights under federal and state law.

Company response to consumer: Closed with non-monetary relief