Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
Dear Equifax and XXXX, I am writing to dispute the inaccurate and unverifiable reporting of the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) This dispute is submitted under the provisions of the Fair Credit Reporting Act ( FCRA ), as well as additional federal and state consumer protection laws. Your continued reporting of these accounts without providing proper validation violates multiple legal standards that ensure the accuracy and fairness of credit reporting. 

Violations of Federal and State Laws 15 U.S.C. 1681c ( f ) : Prevention of Reappearance of Information Once information has been removed by one credit reporting agency due to its unverifiable nature, it can not reappear or continue to be reported by other agencies without proper revalidation. XXXX has already removed the XXXX XXXX XXXX account due to its unverifiable status, requiring the same action from you. 
15 U.S.C. 1681m ( a ) : Adverse Actions Based on Inaccurate Reporting If adverse actions have been taken based on these accounts, you are required to ensure the information is accurate and substantiated. Continued reporting without validation violates my right to accurate credit reporting.

26 U.S.C. 6050P : Reporting of Cancellation of Debt Under IRS regulations, if a creditor has forgiven or canceled a debt exceeding {$600.00}, they are required to issue a XXXX form and file it with the IRS. Failure to provide this documentation when requested suggests that the debt may no longer be enforceable or valid.

15 U.S.C. 1692g ( FDCPA ) : Validation of Debts by Furnishers Furnishers of information, such as XXXX XXXX XXXX and XXXX XXXX, must provide detailed validation upon request. Your reliance on unverifiable information from these furnishers may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA )XXXX XXXX Fair Business Practices Act ( O.C.G.A. 10-1-390 ) : Deceptive and Unfair Reporting Practices The continued reporting of inaccurate and unverifiable debts on my credit report constitutes an unfair and deceptive act under Georgia state law. This is particularly concerning since XXXX has already deemed the information unverifiable. 
Additional Documentation Requested To properly validate these accounts and ensure compliance with legal requirements, I request the following documents : Double-Entry Accounting Records : Provide authenticated double-entry accounting records showing all debits and credits related to these accounts. A simple list of charges or summaries will not suffice. The ruling in XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX  ) establishes the necessity of verified documentation in response to disputes. 
XXXX Form : If the debts have been canceled, forgiven, or XXXX, provide the XXXX forms filed with the IRS, as required under 26 U.S.C. 6050P.

Original Signed Contracts or Agreements : Provide authenticated copies of the original signed agreements establishing my obligation to these debts. Without this evidence, the continued reporting of these accounts violates both federal and state laws. 
Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) As required under the FCRA, you must maintain maximum possible accuracy in consumer reports. Reporting unverifiable information that XXXX has already deemed inaccurate demonstrates a failure to uphold this standard. 
Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) Upon receiving my dispute, you were obligated to conduct a reasonable reinvestigation within 30 days. To date, you have not provided any supporting documentation, including the original signed contracts or validation of these accounts. 
Failure to Provide Verification Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) After the completion of a reinvestigation, you are required to notify me of the results, including whether the information was modified, deleted, or remains unchanged. You have failed to provide any such notice or the documents relied upon for verification.

Failure to Disclose Sources of Information ( 15 U.S.C. 1681g ( a ) ( 2 ) ) You are required to disclose the sources of disputed information upon request. While claiming that the creditors provided validation, you have failed to provide me with the documents or details of this verification. 
Reporting Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) If either of these accounts exceeds the statutory reporting period ( typically seven years ), their inclusion on my credit report is unlawful.

Failure to Provide Validation of Debt ( 15 U.S.C. 1692g under FDCPA ) If you are relying on information furnished by XXXX XXXX XXXX XXXX or XXXX XXXX, those furnishers are obligated to validate the debt upon request. Your continued reporting without providing me with the requested documentation indicates a failure to comply with this requirement. 
Unfair and Deceptive Practices ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) Reporting unverifiable or false information on my credit report without proper validation constitutes an unfair or deceptive act under XXXX  state law. 
Failure to Prevent Reappearance of Deleted Information ( 15 U.S.C. 1681c ( f ) ) XXXX has already deemed the XXXX XXXX XXXX account unverifiable and removed it from their reports. Your continued reporting of the same unverifiable account is a direct violation of this provision. 
Documentation Previously Requested To validate these accounts, I have requested the following : Authenticated Double-Entry Accounting Records : A detailed breakdown showing all debits and credits in compliance with standard accounting principles. 
XXXX Forms : Proof of debt forgiveness, cancellation, or discharge, as required under 26 U.S.C. 6050P.

Original Signed Contracts or Agreements : Authenticated evidence establishing my obligation to these debts. 
To date, you have failed to provide any of this documentation, nor have you demonstrated a reasonable investigation into my dispute. 

Demands for Immediate Action I demand the following actions be taken immediately : Deletion of Unverifiable Accounts : Remove the XXXX XXXX XXXX XXXX and XXXX XXXX accounts from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ).

Written Confirmation of Deletion : Provide written confirmation of the removal of these accounts within 15 days of receipt of this letter.

Full Documentation of Verification : If you claim these accounts have been verified, provide all supporting documentation, including : Double-entry accounting records. 
The XXXX forms ( if applicable ). 
Original signed contracts or agreements.

The name and contact information of the individual or department responsible for verifying the accounts.

Consequences for Noncompliance Failure to resolve this matter promptly will leave me no choice but to escalate the issue by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney Generals Office. 
Pursuing legal remedies under : 15 U.S.C. 1681n : Legal recourse for willful noncompliance.

15 U.S.C. 1681o : Legal recourse for negligent noncompliance.

Reporting the continued reporting of inaccurate information to the IRS if the 1099-C form is missing, as required under 26 U.S.C. 6050P.

Detailed Explanation of Verification : Explain in detail how you verified the accuracy of these accounts, including : The name and contact information of the person or department responsible for the verification. Any documentation provided by the furnishers of these accounts. 

Actions Required I demand the following actions : Immediate Deletion of Unverifiable Accounts : Since you have failed to provide sufficient validation, these accounts must be deleted per 15 U.S.C. 1681i ( a ) ( 5 ).

Written Confirmation of Deletion : Provide written confirmation that these accounts have been removed from my credit report.

Compliance with Disclosure Requirements : If you claim to have verified these accounts, provide a full report of the investigation under 15 U.S.C. 1681g and 15 U.S.C. 1681i ( a ) ( 6 ). 
Consequences for Noncompliance Failure to comply with these requests within 15 days will leave me no choice but to escalate this matter through : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX Attorney Generals Office. 
Seeking legal remedies under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). 
Reporting potential violations to the IRS regarding unfiled XXXX forms.

Company response to consumer: Closed with non-monetary relief