Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Credit Reporting Violations and Inadequate Investigation Procedures To Whom It May Concern, I am writing to formally dispute and bring attention to serious violations of my rights under the Fair Credit Reporting Act ( FCRA ) committed by your agency. You have failed to comply with federal law by : Falsely verifying inaccurate or fraudulent information on my credit report without conducting a lawful and reasonable investigation.

Failing to properly investigate and respond to disputes within the legally required 30-day timeframe.

Neglecting to fully verify the legitimacy of the lenders or creditors that have reported information, some of which may be fraudulent or misrepresenting the debt.

Violating my right to accurate and fair credit reporting, which has caused me financial harm and emotional XXXX Let me be clear : these actions do not align with your legal obligations under the FCRA. I am not referencing the penal codeI am asserting my federally protected consumer rights. Your failure to follow proper investigation protocols and to ensure the accuracy of my credit file is unacceptable. 

I demand the following : A full reinvestigation of all disputed accounts and inquiries, conducted in good faith and in compliance with FCRA guidelines. 

A complete list of all third-party furnishers you contacted during the verification process.

Immediate deletion or correction of any unverified, inaccurate, or fraudulent accounts. 

Written confirmation of the actions you have taken as a result of this notice. 

Please treat this as a formal dispute and a demand for compliance. I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and to pursue legal action if my rights continue to be violated. 
Subject : Formal Dispute Child Support Reporting on Credit File To Whom It May Concern, I am writing to dispute the reporting of child support information that currently appears on my credit file. This entry is inaccurate, harmful, and violates my rights under federal law. I am requesting its immediate removal.

By Law, Child Support Does Not Belong on a Consumer Credit Report if Certain Conditions Are Not Met, including : 15 U.S. Code 1681s-1 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ) allows child support agencies to furnish data to credit bureaus only if certain procedures are followed, including proper notice and due process for the individual.

According to 42 U.S. Code 666 ( a ) ( 7 ) under the Social Security Act, states may report child support arrears to consumer reporting agencies, but only after providing the obligor notice and an opportunity to contest the accuracy of the information. 

California XXXX XXXX XXXX, and similar state laws, prohibit the reporting of inaccurate or incomplete information to consumer credit agencies. 

Additionally, XXXX XXXX XXXX XXXX ( a ) ( XXXX ) prohibits credit reporting agencies from reporting adverse items ( such as delinquencies or arrears ) that are older than XXXX years, unless specifically exempted. 

If the child support agency failed to notify me properly before reporting, if the debt is outdated, or if the balance is satisfied or being actively paid through garnishment, then this reporting is unlawful and unjust. 

I Demand the Following : XXXX reinvestigation of the reported child support information under XXXX XXXX XXXX XXXX. 

Removal of the item if the child support agency can not provide full documentation proving compliance with all notification and due process requirements. 

Written confirmation from your agency that you have either deleted the item or verified it with full documentation. 

Please understand that continuing to report inaccurate or unlawful data after being notified in writing is a willful violation of the Fair Credit Reporting Act, which XXXX entitle me to actual damages, statutory damages, and attorneys fees. 

If you do not comply with this request, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action to enforce my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation