Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date : XX/XX/XXXX XXXX  To : Experian, Equifax, TransUnion, and CFPB RE : Formal Dispute and Debt Validation Demand for Illegal and Erroneous Accounts To Whom It May Concern, I am formally disputing the validity and legal reporting of all derogatory, erroneous, and unverifiable accounts listed below under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( FACTA ). This is a formal demand for validation and immediate removal of any and all accounts that violate federal law or lack full legal substantiation. 

Disputed Accounts ( Sample from Reports DateXXXX 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 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 ( TransUnion only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion only ) XXXX XXXX Legal Grounds for Dispute : 15 U.S. Code 1681i ( FCRA ) I am demanding reinvestigation of each disputed item. If the information can not be verified within 30 days, it must be deleted from my credit report.

15 U.S. Code 1692g ( FDCPA ) Debt collectors must validate the debt in writing. I have not received any such validation for these accounts.

15 U.S. Code 1681s-2 ( FCRA ) Data furnishers may not report inaccurate information or fail to update/correct previously reported data. Many of these items show inconsistent dates and amounts across the bureaus.

FACTA Section 312 Furnishers must establish and follow reasonable policies to ensure accurate reporting, which has not been demonstrated here.

Immediate Actions Demanded : Provide full validation of each item, including signed contracts, complete payment history, name of original creditor, and chain of title. 
Remove all unverifiable, inaccurate, outdated, or erroneous accounts from all 3 credit bureaus immediately. 
Cease and desist from any further reporting or collection efforts on these accounts until full legal validation is provided.

Forward this dispute to all furnishers involved as required under 15 U.S. Code 1681i ( a ) ( 2 ).

This list is not necessarily exhaustive. Every derogatory tradeline and collection account must be validated or deleted under federal law. If you are unable to produce : A copy of the original signed contract or agreement A full itemized statement of the alleged debt Proof of legal right to collect and report the debt The complete chain of custody from the original creditor ... then you must delete the account immediately under the FCRA and FDCPA. 
This is my final warning before I escalate with additional legal actions and formal complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and other relevant authorities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief