Consumer complaint received 2025-08-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Deletion of Inaccurate Late Payments & Collections Pursuant to 15 U.S.C. 1681i, 1681s-2, and 1692e Dear Equifax Dispute Department , I am formally disputing the accuracy and completeness of certain negative items appearing on my Equifax credit report, which I obtained on XX/XX/XXXX. These items are inaccurate, unverifiable, and/or reported in violation of federal law. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 35 days past due Basis for Dispute & Legal Grounds 1. Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) The FCRA requires consumer reporting agencies to ensure that information is accurate before including it in a consumer report. I have reason to believe these late payments and collections are either inaccurate, incomplete, or can not be properly verified. 
2. Duty to Reinvestigate Disputed Information 15 U.S.C. 1681i ( a ) Upon receiving this dispute, you must conduct a reasonable reinvestigation within 30 days. If the furnishers of this data can not produce proper documentation proving the accuracy of these entries, they must be deleted immediately.

3. Obligation of Furnishers to Provide Accurate Information 15 U.S.C. 1681s-2 ( a ) Furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. If the creditors or collection agencies can not produce signed contracts, complete payment histories, and original creditor validation, the information is unverifiable under the law. 
4. Violation of FDCPA 15 U.S.C. 1692e & 1692g Collection accounts reported without full validation of the debt ( including original signed agreements and itemized statements ) constitute a violation. Any failure to provide such proof requires immediate deletion from my credit file. 

Demand for Action I demand that Equifax : 1. Conduct a full reinvestigation of the accounts listed above. 
2. Provide me with copies of all documents used to verify each account, including contracts, payment history, and original creditor validation.

3. Remove all accounts that can not be fully verified with proper documentation.

4. Provide written confirmation of the deletions or corrections within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 

If Equifax fails to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and may pursue legal remedies under 15 U.S.C. 1681n and 1681o.

This letter serves as my formal request for compliance under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation