Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THIS IS A COPY THE LETTER SENT WITH EVIDENCE XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ExperiaXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion : P.OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Inaccurate Items - XXXX XXXX ( Account/Case # if applicable ) To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate, unverified, and unlawfully reported items on the credit file of XXXX XXXX XXXX XXXX First there is an affidavit of XXXX XXXX 
XXXX 's identification. Enclosed are XXXX distinct groups of documents, each substantiated with evidence, and citations of applicable caselaw, federal, and state rules. 
Per the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and MD XXXX XXXX XXXX XXXX you are obligated to reinvestigate these disputes promptly and delete unverifiable information. ( We do not agree or consent to the use of E-Oscar or any digital electronic review and request a human for reinvestigation. ) XXXX XXXX XXXX Discrepancy in Accuracy Between Bank Records and Credit Report This section highlights material inconsistencies between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and the information reflected on his credit report. Detailed financial documents demonstrating the reported debts lack factual and legal basis. These discrepancies violate FCRA 1681e ( b ), which mandates maximum accuracy and therefore must be removed. 

XXXX XXXX XXXX XXXXXXXX Charge Offs/Charge Offs as Income therefore it is Erroneously Reporting The enclosed IRS Publication XXXX classifies XXXX Charge Offs which is a Cancelled Debt as Income. Therefore, any XXXX Offs Must be removed as it is Income and not a Debt is classified per IRS. The accounts that are incorrect per IRS are XXXXXXXX XXXX XXXX XXXX XXXX XXXX. These certain items mischaracterized as " income '' on XXXX XXXX 
XXXX 's report are, per IRS guidelines, are taxable income. Reporting these as such constitutes defamation of character and a violation of FCRA XXXX c ( a ). 
Group XXXX : XXXXXXXX XXXX  Debt Validation Demands This group cites binding precedent ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 
XXXX ) ) and FDCPA XXXX, affirming that creditors must validate debts upon request. 
Evidence confirms no lawful validation pertaining to XXXX XXXX XXXX was provided for the disputed items, yet they remain reported. The following must be provided per case law and her demanded. Continued reporting without validation required by law & case law, breaches federal law and warrants immediate deletion. 
Valid XXXX  license per ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
A complete chain of assignments from the original creditor : A bill of sale with your name/account number ( not a bulk sale ), A signed contract or account-specific documentation proving I owe this debt ; An affidavit from the original creditor ( not the debt buyer ) Evidence the debt wasn't canceled or forgiven canceled or charged off The original credit agreement ( not a summary ).

The original creditor 's records ( not just a spreadsheet ).

Demand for Action Each group independently justifies the removal of the disputed items. All materials are legally sufficient, and rejection would constitute a willful violation of the FCRA, exposing your agency to liability under 15 U.S.C. 1681n.

Please confirm in writing within 30 days that : 1. The disputed items have been investigated ; 2. Inaccuracies have been corrected or deleted ; 3. Updated reports have been issued to all entities that received the prior erroneous data. 
This matter requires urgent resolution to avoid escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief