Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Formal Dispute & Legal Notice of Demand for Immediate Deletion of Inaccurate, Unverified, and Illegally Reported Items Under Federal Law XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as a formal dispute and legal demand for immediate investigation and removal of inaccurate, outdated, unverifiable, or legally non-compliant information currently reported on my credit file under the following statutes : 1. Collections Accounts Under 15 U.S. Code 1692 ( FDCPA ) and 15 U.S. Code 1681 ( FCRA ), you are required to verify the accuracy and legality of any collection account reporting. If you can not provide a copy of the original signed contract and itemized accounting, these items must be deleted immediately.

2. Late Payments Pursuant to 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, any reported late payments that have not been lawfully validated and properly noticed in writing are in violation of billing error correction rules and must be removed without delay.

3. Charge-Offs You are reporting accounts as charged off without full legal substantiation. Under 15 U.S. Code 1935 and 15 U.S. Code 1981 ( 2 ) ( a ), I demand deletion of these entries unless you can prove with authenticated records that the account was legally charged off under the law and not a violation of equal rights or contract law.

4. Verified Disputes According to 15 U.S. Code 1681i ( a ) ( 7 ), if you mark an account as " verified '' but fail to provide full documentation proving accuracy, you are in violation of federal law. Any item previously disputed that you have marked as verified must be removed immediately.

5. Hard Inquiries Any hard inquiry placed on my credit file without my express written consent is in violation of 15 U.S. Code 1681b. I demand removal of all unauthorized inquiries within 48 hours, or I will take legal action.

Legal Basis for Immediate Action Under the Fair Credit Reporting Act, any unverifiable, inaccurate, outdated, or incomplete items must be deleted within 30 days of disputebut due to repeated violations of my rights and multiple failures to provide lawful verification, I demand deletion within 48 hours or I will initiate federal legal proceedings against your agency and all furnishers involved.

If these items are not deleted in full within 48 hours of receipt of this notice, I will proceed to : - File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) - File complaints with my state Attorney General - Sue for damages under the FCRA and FDCPA, including {$1000.00} per violation and punitive damages under 1681n and 1681o Final Notice This is your final opportunity to resolve these violations without litigation. This letter serves as notice of intent to sue. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation