Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Formal Legal Demand for Deletion : 15 U.S.C. 1681e ( b ) Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( or name of relevant CRA : XXXX/Equifax ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Demand for Deletion of Student Loan Tradeline due to Violation of 15 U.S.C. 1681e ( b ) Case ID : [ ] Disputed Account : DPT EDXXXX ( Student Loan ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter constitutes a formal legal demand for the immediate and permanent deletion of the above-referenced student loan tradeline from my consumer credit file. This demand is predicated on your failure to adhere to the core compliance requirements of the Fair Credit Reporting Act ( FCRA ). 

Violation of 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ), a Consumer Reporting Agency ( CRA ) is mandated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The inclusion of this student loan tradeline in my report constitutes a clear and ongoing violation of this foundational duty. 

Direct Evidence of Failed Accuracy : Your report contains a " Creditor Remark '' that explicitly states : " Dispute resolved; customer disagrees. '' This remark is a fatal flaw. It proves, on the face of your own report, that " maximum possible accuracy '' has not been achieved. The information remains disputed and, by your own admission, is not reconciled with the consumer 's position. Maintaining a tradeline with this notation is inherently a violation of your statutory duty under 1681e ( b ), as it places an unresolved, derogatory ( or potentially misleading ) item onto my report. 

Unverifiable Information : As the accuracy of this account remains in questiona fact attested to by the dispute remarkthe information is, by definition, unverifiable. Under the FCRA, when a disputed item can not be verified as accurate and complete, it must be deleted. 

Demand for Immediate Action I demand that you : Immediately Delete the DPT EDXXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in its entirety from my credit report. 

Cease and Desist from all future reporting of this account until its accuracy can be fully reconciled and substantiated with verifiable, non-contradictory documentation, which it currently is not. 

Your failure to delete this item within 30 days will be considered a willful violation of 15 U.S.C. 1681e ( b ) and will compel me to seek legal counsel to pursue litigation for statutory damages, punitive damages, and attorney fees, as provided by the FCRA. 

I await confirmation of this deletion within the statutory period. 

Sincerely, [ ] [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation