Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint # filed on Equifax XXXX That Complaint # filed on sat, XXXX XXXX XXXX Equifax doesn't delete info off your credit, they put in the system, what they want to put in system. I have filed dispute after dispute delete negative items off my credit it being derogatory my account. They file info being inaccurate, & Verified account. I keep telling them, I don't need to keep filing my disputes as inaccurate, and Verified info. I need them to apply the info I gave them, reference to the different FCAR laws I reference to for derogatory access. To be deleted!

Subject : Formal Dispute and Request for Deletion of Accounts Under Federal Law To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair reporting of several accounts on my credit report. Under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and 15 U.S. Code 1666B, I request the immediate deletion of the following accounts due to improper late payment reporting and failure to adhere to federal credit reporting laws. 

First Dispute ( Confirmation Number : XXXX ) Submitted : XX/XX/year> Completed : XX/XX/year> This dispute pertained to the following accounts : XXXX XXXX XXXX  XXXX These accounts are closed and should not have any late payment reporting under 15 U.S. Code 1666, which requires that billing errors, including improper late fees, be resolved in favor of the consumer if not properly substantiated. 15 U.S. Code 1666B also explicitly prohibits the continued reporting of delinquent payments when there is a failure to properly address disputes. However, despite my request for deletion, the credit bureau only verified the information rather than correcting it as required by law. 

Second Dispute ( Confirmation Number : XXXX ) Submitted : XX/XX/year> Completed : XX/XX/year> This dispute pertained to the following accounts : XXXX XXXX ( Charge-Off & Late Payments Reported for Over 7 Years ) XXXX XXXX XXXX ( Third-Party Collection Agency ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c ( a ) ( 4 ), charge-offs and collection accounts can not be reported beyond seven years. The account with XXXX XXXX has exceeded this time frame and should have been automatically deleted. Additionally, XXXX XXXX XXXX is a third-party debt collector, and per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e, debt collectors can not report inaccurate or misleading information. Because my dispute was not properly reviewed and corrected, these accounts must be deleted from my report immediately.

Resolution Requested I request that the following corrective actions be taken within the next 30 days in compliance with federal law : 1. Immediate deletion of the XXXX XXXX XXXX and XXXX accounts due to improper late payment reporting and failure to adhere to the Fair Credit Billing Act. 


2. Removal of XXXX XXXX from my credit report since it has exceeded the 7-year reporting limit under the FCRA. 


3. Deletion of XXXX XXXX XXXX account due to potential violations of the FDCPA and improper handling of third-party collections. 



If these corrections are not made, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for further investigation. Additionally, I will consider pursuing legal action to enforce my rights under the aforementioned federal statutes.

Company response to consumer: Closed with explanation