Consumer complaint received 2025-04-06 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: AZ

Complaint narrative:
Subject : Third Dispute & Request for Investigation Description Non-Compliance with FCRA, Identity Theft, and Immediate Deletion of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter serves as my third formal dispute regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appearing on my credit report. Despite my previous disputes, you have failed to correct or remove the inaccurate information as required by law. Furthermore, I am filing this Identity Theft complaint because the continued, unverified reporting of this account is causing significant harm and may constitute fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies must provide a detailed description of the investigation procedures conducted in response to a consumer dispute within the legally mandated timeframe. As you have not adequately resolved my initial and second disputes, I now reiterate my demands for correctionor immediate removalof this inaccurate account. 

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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXXXX/XX/XXXX Your repeated failure to address and correct these discrepancies raises grave concerns about the accuracy of my credit file. Therefore, I once again formally request that this account be removed from my credit report if it can not be verified with absolute certainty. 

Basis for Dispute and Identity Theft Complaint Given the repeated inaction and unresolved inaccuracies, I am invoking my rights under identity theft protections ( FCRA 1681c-2 ) in addition to the following FCRA provisions : 1. FCRA 1681e ( b ) Maximum Possible Accuracy * Conflicting high credit amounts, dates, and statuses indicate a lack of compliance with the duty to ensure maximum accuracy.

2. FCRA 1681i Reinvestigation of Disputed Information * You must conduct a prompt and thorough reinvestigation of any disputed data. This is my third attempt, yet the account remains uncorrected.

3. FCRA 1681c-2 Block of Information Resulting from Identity Theft * As I am disputing this account under identity theft, you are required by law to block any fraudulent or unverified information within four ( 4 ) business days, unless you possess documented proof affirming its accuracy.

4. FCRA 1681s-2 Duties of Furnishers * The original creditor ( XXXX XXXX XXXX XXXX must investigate and correct any inaccuracies upon notification. Their failure to do so renders the information unverifiable and subject to removal. 
5. FCRA 1681i ( a ) ( 7 ) Description of Procedures * You are obligated to provide me with a detailed account of how you investigated this dispute. No such description has been furnished in response to my two earlier disputes.

Investigation Description Required Pursuant to FCRA 1681i ( a ) ( 7 ), I demand a complete, step-by-step description of : 1. How you verified the account details ( dates, balances, payment history ).

2. Which documents or data sources were consultedmanual review of original contracts, or any automated method ( such as e-OSCAR ). 
3. Whether XXXX XXXX XXXX provided valid, signed documentation affirming my alleged responsibility for this debt. 
If you can not furnish credible evidence supporting the accuracy of this account within the legal timeframe, it must be removed from my credit file without delay. 

Consequences of Non-Compliance By law, if you can not verify this disputed, potentially fraudulent information, you must delete it. Failure to comply could result in : * Formal complaints filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other regulatory bodies. 
* A small claims court action seeking damages of up to {$5000.00} per violation, covering : * FCRA violations, * Negligence in fulfilling verification procedures, * Harm to my credit standing and potential defamation of character. 

Summary For the third time, I request : 1. Immediate removal of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if you can not produce verified, accurate, and complete documentation. 
XXXX. A detailed, written description of your investigation procedure, provided within the legally required timeframe under FCRA 1681i ( a ) ( 7 ). 
3. Blocking of this disputed information in light of my identity theft complaint under FCRA 1681c-2, unless you possess substantive proof of its legitimacy. 
Thank you for your urgent attention to this matter. I expect a legally compliant response detailing the actions you have taken to address these longstanding and unresolved inaccuracies.

Company response to consumer: Closed with explanation