Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> EquifaxXXXX XXXX XXXXXXXX, GA XXXX Via Certified Mail, Return Receipt Requested Subject : Formal Dispute of Inaccurate and Unverifiable Information FCRA 1681i, 1681e ( b ) To Whom It May Concern, I am formally disputing multiple entries on my credit report issued by Equifax under the rights granted to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This letter constitutes a legal demand for investigation and correction/deletion of the following items that are either : 1. Inaccurate, 2. Incomplete, 3. Unverifiable, or 4. Outdated under 1681c. 

Disputed Entries : XXXX XXXX XXXX / XXXX an alleged collection account. I have not received any documentation proving the validity of this account, nor a contract bearing my signature or proof of assignment. This violates FCRA 1681e ( b ) and FDCPA 809. 
XXXXXXXX XXXX XXXX XXXX accounts ) Past due amounts and payment history are inconsistent across months and bureaus. Also reporting overutilization at 105 % and 107 %, violating Metro 2 standards. 
XXXX XXXX XXXX XXXX  open accounts ) Dates of delinquency are inconsistent and payment history appears duplicated and erroneous. This constitutes procedural inaccuracies under Metro 2 and FCRA 1681i. 
XXXX XXXX XXXX ( 2 accounts ) Reporting high utilization and late payments. Dispute history ignored by furnishersthis violates FCRA 1681s-2 ( b ). 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX ) Reporting over 140 % utilizationno supporting contract or validation provided. Misleading balance and status reporting. 
XXXX XXXX is showing multiple lates within a short time span with questionable accuracy, and remains unverified after prior disputes. 
XXXX ( Multiple Tradelines ) These student loan tradelines are duplicated with different account numbers and conflicting statuses. This undermines the integrity of your report and constitutes double jeopardy reporting in violation of 1681e ( b ). 
XXXX XXXX XXXX XXXX ( 2 accounts ) Closed accounts continue to report high balances and late payments without validation or correction after prior disputes. Reporting a {$1900.00} past due on a closed account violates both FCRA and Metro 2 rules. 

Demand for Resolution : Pursuant to FCRA 1681i ( a ) ( 1 ), you are legally required to complete a reasonable reinvestigation of each disputed item within 30 days. If you can not verify an item with full documentationincluding a signed contract, payment ledger, and compliance with Metro 2 formatyou must delete the item under 1681i ( a ) ( XXXX ) ( A ). 
Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Notice to the Federal Trade Commission ( FTC ) Legal action for statutory damages under FCRA 1681n and 1681o Public exposure via social platforms, review sites, and watchdog networks I expect an updated copy of my credit report reflecting these deletions within 30 days. You are also required to send notice of your findings to the furnishers as per 1681i ( a ) ( 6 ).

This letter serves as official notice. Govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief