Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Formal Demand for Immediate Deletion of Negative Accounts from Credit Report per FCRA & FDCPA Dear Sir/Madam, I am writing to formally dispute and demand the immediate deletion of certain closed and negative accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., as well as all applicable case law and regulations.

As per my rights under FCRA 15 U.S.C. 1681i ( Dispute of Accuracy ), 1681s-2 ( Responsibilities of Furnishers of Information ), and FDCPA 1692g ( Validation of Debts ), I am demanding the immediate deletion of the accounts listed below due to the following legal violations : Failure to Validate and Verify Information Reporting of Time-Barred Debt Violation of 30-Day Dispute Response Rule Reporting Without Permissible Purpose Multiple Late Payments on Closed Accounts Re-aging or Inaccurate Date Reporting Inconsistent Reporting Across Bureaus Accounts to Be Deleted : 1. XXXX XXXX XXXX 5 late payments Violates FCRA 1681s-2 for failure to update or remove outdated or incorrect info Late payments must not remain post-account closure unless verified under FCRA 1681i 2. XXXX XXXXXXXX XXXX XXXX XXXXXXXX No late payments, closed, non-derogatory, no permissible reason to report negatively 3. XXXX XXXX XXXX Closed with no derogatory info ; negative data older than 12 months may be excessive 4. XXXX XXXX  XXXX 6 late payments Potential re-aging violation under FCRA 1681c ( a ) ( 4 ) Must validate per FDCPA 1692g 5. XXXX XXXX XXXX  XXXX Account age 6 years, closed, no latesshould be automatically purged per FCRA 1681c 6. XXXX XXXX XXXX XXXX 6 late payments ; challenging accuracy and timeline per FCRA 1681i 7. XXXX XXXX XXXXXXXX Closed, no lates, possibly reported incorrectly under FCRA 1681e ( b ) 8. XXXX XXXX XXXX XXXX Debt collector ; requires full validation under FDCPA 809 ( 15 USC 1692g ) Failure to validate = violation = must be deleted 9. XXXX XXXX XXXX XXXX Known violator ; multiple court rulings ( see XXXX XXXX XXXX XXXX XXXX ) Must show full validation and legal right to report 10. XXXX XXXXXXXX XXXX XXXX XXXX 3 late payments on closed acct ; must be verified or deleted per FCRA 1681i 11. XXXX XXXX XXXXXXXX Closed, no payment history ; unverifiable, possibly redundant data under 1681b ( a ) Legal Demands : In accordance with FCRA 611 ( 15 USC 1681i ), I demand that you : 1. Investigate and verify the accuracy, validity, and legal reporting basis for each of the accounts listed above within 30 days.

2. Provide all relevant documents, including contracts bearing my signature, dates of delinquencies, and validation notices as required by FDCPA 809.

3. Cease reporting unverifiable or inaccurate data immediately.

4. Delete any account that can not be validated, has been re-aged improperly, or has exceeded the 7-year reporting limit as outlined in FCRA 1681c.

Failure to comply with these requirements will result in formal complaints being filed with the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General A civil lawsuit for statutory damages under FDCPA 813 and FCRA 616

Company response to consumer: Closed with non-monetary relief