Consumer complaint received 2025-12-29 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 : Formal Complaint, Continued Dispute, Identity Theft Notice, and Demand for Immediate Deletion of Inaccurate Credit Information To Whom It XXXX Concern, This letter serves as a formal complaint, continued dispute, and notice of identity theft regarding inaccurate, incomplete, and misleading credit information that Equifax continues to report on my consumer file, despite prior notice and the expiration of the statutory reinvestigation period. 

I previously disputed the inaccurate reporting of the accounts listed below more than XXXX ( XXXX ) days ago. I have reviewed multiple Equifax credit reports obtained at different times, and no corrections, deletions, or material changes have been made. The same inaccuracies and contradictions remain, demonstrating that Equifax has failed to conduct a reasonable reinvestigation as required by law. 

DOCUMENTED INACCURACIES AND CONTRADICTIONS XXXX XXXXXXXX XXXX / XXXX Account reported as closed and paid while simultaneously reported as XXXX XXXX balance reported with ongoing derogatory status Inconsistent payment history and delinquency reporting Inconsistent reporting of key dates confirming lack of reasonable reinvestigation XXXX ( XXXX XXXX XXXX ) Account XXXX XXXX {$0.00} balance yet maintained as Collection/Chargeoff Account marked Closed while continuing to report derogatory status Paid charge-off remark conflicts with ongoing negative reporting Two-year payment history not reported, yet derogatory history is displayed Inconsistent delinquency reporting ( XXXX / XXXX / XXXX / 120 days late ) without supporting payment history Key account fields missing or blank ( account type, term length, payment frequency ), confirming unverifiable reporting Account listed as Account not disputed, despite prior disputes submitted These contradictions confirm that the information is inaccurate, incomplete, misleading, and unverifiable. 

IDENTITY THEFT NOTICE CAUSED BY EQUIFAXS NEGLIGENCE Due to XXXX continued inaccurate reporting and failure to correct known errors, I was forced to file an Identity Theft Report. Continued publication of false and misleading information has compromised my personal information, creditworthiness, and financial security, implicating violations of XXXX XXXX. XXXX and XXXX XXXX. XXXX. 

LEGAL VIOLATIONS 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) Reporting inaccurate information 15 U.S.C. 1681c-2 Failure to block identity-theft-related information 15 U.S.C. 1681n and XXXX Civil liability for willful and negligent noncompliance ACCOUNTS DEMANDED FOR IMMEDIATE DELETION XXXX XXXX Bank / XXXX Account Number : XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX FINAL DEMAND I hereby demand IMMEDIATE DELETION of the accounts listed above, written confirmation of compliance, and full disclosure of the verification methods used. 

Failure to comply will result in escalation to the Federal Trade Commission ( FTC ), State Attorney General, and civil litigation without further notice.

Company response to consumer: Closed with explanation