Consumer complaint received 2025-06-23 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 : Immediate Demand for Full Investigation and Permanent Deletion of Derogatory Credit Entries To Whom It May Concern, This letter serves as a formal and final demand for the immediate investigation and removal of inaccurate, derogatory, and unverifiable accounts from my credit reports. These accounts are being reported without proper legal proof of ownership, and unless original signed contracts are produced, I affirm that these debts are not mine and must be deleted immediately.

I am exercising my full rights under the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). 
________________________________________ Accounts in Dispute : 1. XXXX Credit Bureaus : TransUnion, Experian, Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} Status : Open Demand : I challenge the validity of this debt. If XXXX can not produce an original, signed contract, I affirm this debt is not mine and must be removed immediately. 
________________________________________ 2. XXXX XXXX XXXX XXXXXXXX XXXX Credit Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} | Past Due : {$2700.00} Status : Closed / Derogatory Demand : I dispute ownership and liability. Unless you provide a signed agreement and complete account history, this account does not belong to me and must be deleted from my file. 
________________________________________ 3. XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Status : Charged Off Demand : This account appears without validation. If no signed, original contract is provided, I confirm that this is not my debt and demand immediate deletion. 
________________________________________ 4. XXXX XXXX  Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Status : Closed / Derogatory Comments Demand : Though this account is closed with a XXXX balance, it still reflects negatively. I demand it be deleted or corrected immediately, unless proof of contractual obligation and derogatory justification is provided. 
________________________________________ Legal Grounds : FCRA 1681e ( b ) : Requires all information to be reported with the maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) ( A ) : Any item that can not be verified must be deleted.

FCRA 609 ( a ) ( 1 ) ( A ) and 611 : I have the legal right to demand proof of any
reported account.

FDCPA 1692g ( b ) : Collectors must cease reporting if they can not validate the debt upon request.

If you can not provide signed contractual evidence, these accounts are not mine. Continuing to report them will be treated as intentional defamation, negligence, and willful noncompliance.

________________________________________ Required Action : 1. Full Deletion : Any disputed item not supported by a signed, original contract must be deleted from all credit reports immediately.

2. Proof of Investigation : Provide written results and evidence used for verification.

3. 30-Day Compliance : Act within 30 calendar days as required by federal law.

________________________________________ I will not accept vague confirmations from furnishers. Only concrete proofsigned contracts and statementswill satisfy your duty to verify. Anything less is unlawful.

Failure to comply will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General A formal lawsuit seeking actual, statutory, and punitive damages under FCRA 1681n and 1681o and FDCPA 1692k. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief