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: VA

Complaint narrative:
This letter serves as a formal dispute and demand for the immediate removal of all inaccurate, outdated, incomplete, unverifiable, and fraudulent items currently reported on my credit file. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Federal Trade Commission Act ( 15 U.S.C. 4158 ), and supporting legal precedents. 
I demand a reinvestigation and deletion of the following account from my credit file Disputable accounts * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX - XXXX Bank * XXXX XXXX Shears LEGAL GROUNDS FOR REMOVAL Under the FCRA : 1681i ( a ) ( 1 ) ( A ) : You are required to reinvestigate any disputed information within XXXX  days of receiving notice.

1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be deleted from the consumers file.

1681i ( a ) ( 2 ) ( b ) : The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller 1681e ( b ) : You are required to maintain maximum possible accuracy in your reporting.

1681c ( a ) : You are prohibited from reporting obsolete information ( e.g., charge-offs and collections older than XXXX years ).

1681b ( f ) : You are required to ensure that any entity accessing my credit report has a permissible purpose.

1681g & 1681h : You are required to provide full disclosure of any information used to generate my credit file. 

Further, under 15 U.S.C. 45 ( a ) of the FTC XXXX, inaccurate or deceptive practices in furnishing or maintaining consumer credit data can be considered unfair or deceptive acts or practices ( XXXX ) and are prohibited. 

I hereby formally dispute and demand the immediate removal of the following categories of information from all three of my credit reports : XXXX. All charge-offs and collections, particularly those which are unverifiable, not validated, or past the legal reporting limit. 
XXXX. All late payments, especially those reported inaccurately or without proper notification. 
XXXX. All hard inquiries that were made without my authorization or a permissible purpose under 1681b. 
XXXX. Any public records or judgments that are not verifiable by third-party documentation. 
XXXX. Any and all items that violate the FCRAs accuracy and verifiability standards. 

Furthermore, the case Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) holds that credit reporting agencies are required to go beyond a mere parroting of information from the furnisher and must conduct a reasonable investigation.

Also, Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) affirmed that if a CRA fails to comply with the FCRA, the consumer has a private right of action to seek damages and statutory penalties.

Action Requested : Per the above-stated laws and court rulings, I formally demand that you : Investigate all disputed items listed above. 
Delete or correct all information that can not be verified with XXXX XXXX accuracy. 
Provide a complete copy of my updated credit report showing the changes made. 
Cease the reporting of any unverifiable or obsolete negative information. 
Provide the method of verification used for any item that remains. 
Provide WET signature to the original grantor and the third party debt collector. 

If you fail to comply within 30 days as required by law, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX, and may pursue legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief