Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To : Experian | XXXX. XXXX XXXX| XXXXXXXX XXXX  XXXX TransUnion | XXXX. XXXX XXXX| XXXXXXXX XXXX XXXXXXXX Equifax | XXXX. XXXX XXXX | XXXXXXXX XXXX  XXXX RE : DEMAND FOR PERMANENT DELETION OF INACCURATE, UNVERIFIABLE, AND FRAUDULENT ACCOUNTS FCRA & FDCPA VIOLATIONS To Whom It May Concern, This letter serves as a formal dispute and legal demand for the permanent deletion of multiple items reporting on my credit profile, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The information outlined below is inaccurate, unverifiable, misleading, and in violation of federal law, including but not limited to 15 U.S.C. 1681e ( b ), 1681i, 1681b, and 1692e ( 8 ). 

I am demanding a full investigation, immediate deletion, and a permanent block from reinsertion. If not resolved within five ( 5 ) business days, I reserve the right to pursue full legal action under federal law. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX XXXX Reason for Dispute : Inaccurate late payment reporting.

Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy.

15 U.S.C. 1681i Failure to properly reinvestigate upon dispute. 
Case Law : XXXX XXXX Equifax XXXX XXXX XXXX require CRAs to maintain accurate data. 

Demand : Permanent deletion of this account and all related payment history. 

XXXX. XXXX XXXXXXXX XXXX  Secured Loan Reason for Dispute : Reported late payment is false and unverifiable.

Violations : 15 U.S.C. 1681e ( b ), 1681i Demand : Full deletion of this account from all credit reports. 

XXXX. XXXX XXXX XXXXXXXX Collection for XXXX XXXX XXXX XXXXXXXX XXXX for Dispute : Disputed account was not marked as disputed. 
Violations : 15 U.S.C. 1692e ( 8 ) Failure to report dispute to CRA.

15 U.S.C. 1681s-2 ( b ) Failure to correct data after notice. 
Case Law : Evantash v. XXXX XXXXXXXX XXXX Non-disclosure of disputes violates FDCPA. 

Demand : Immediate deletion from all credit bureaus. 

XXXX. XXXX XXXX XXXX Collection for XXXX Reason for Dispute : False account ; not properly verified or validated. 
Violations : 15 U.S.C. 1692e ( 8 ), 1681s-2 Deceptive collection conduct. 
Case Law : Henson v. Santander Consumer USA Addresses third-party collection responsibilities. 

Demand : Immediate and permanent deletion of this entry. 

XXXX. XXXX XXXX XXXX XXXX XXXX Reason for Dispute : Inaccurate medical collection ; dispute not noted. 
Violations : 15 U.S.C. 1681e ( b ), 1692e ( 8 ) Demand : Full removal of this account, including all payment remarks. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX Reason for Dispute : Account is inaccurate, misleading, and disputed. 
Violations : 15 U.S.C. 1692e ( 8 ) No dispute disclosure 15 U.S.C. 1681i No reasonable investigation Demand : Permanent removal and blocking of reinsertion. 

XXXX. Unauthorized Hard Inquiries Companies Involved : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for XXXX : No permissible purpose under 15 U.S.C. 1681b ( c ).

Violations : 15 U.S.C. 1681b Lack of consumer consent or legitimate purpose Demand : Immediate removal of all unauthorized hard inquiries. 

NOTICE OF LEGAL LIABILITY You are hereby on notice that under 15 U.S.C. 1681n and 1681o, any willful or negligent failure to comply with the FCRA entitles me to actual damages, statutory damages up to {$1000.00} per violation, plus attorneys fees and punitive damages. In addition, per FDCPA, 15 U.S.C. 1692k, you may be liable for further damages due to deceptive practices, harassment, and failure to disclose dispute status.

RESOLUTION DEMAND I am requesting : Permanent deletion of the accounts listed above.

Written confirmation of deletion within 5 business days.

Cease and desist from further reporting of any disputed information.

A copy of any documentation used to verify these accounts, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Please be advised that this is your final opportunity to correct and delete the information. Failure to do so will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney general, and potential initiation of a civil suit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief