Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX, XXXX XXXX  Equifax XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX Subject : Request for Investigation and Removal of Inaccurate Charge-Off Information Dear Equifax, XXXX am writing to request an investigation into the inaccurate charge-off information appearing on my credit report provided by Equifax. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 

Account Information : - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Creditor Name : XXXX XXXX  Basis for Dispute : * * Inaccuracy of Information : * * The charge-off information reported is incorrect. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history. 

Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed.

Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately. 
Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. 

Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.

Compliance with Accuracy Procedures ( FCRA Section 1681e ) : According to Section 607 ( 15 U.S.C. 1681e ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in credit reports. The inclusion of this inaccurate charge-off indicates that thes
e procedures have not been followed.

Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 

* * Request : * * I demand that this inaccurate information be removed from my credit report immediately. I am enclosing a copy of my credit report highlighting the disputed information. 

I expect your written response confirming that this information has been removed within the 30 days required by the FCRA. If I do not receive a favorable response, I will consider taking further legal action to protect my rights. 

Given these discrepancies, and the fact that this account has already been removed from one of the major credit bureaus, I respectfully request that it be removed from all other credit reports as well, in compliance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention to this matter and look forward to your confirmation of the removal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation