Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Re : Dispute Resolution - Removal of Unverifiable Account from Experian & TransUnion * * To : TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : IMMEDIATE REMOVAL REQUEST Inaccurate & Unverified Accounts ( See Below ) To Whom It May Concern, I am writing to dispute the inaccurate, unverified, and damaging information being reported on my consumer credit file. These accounts are erroneous, incomplete, unverifiable, and in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal demand for their immediate deletion from all three of my credit reports. 

The following accounts must be deleted at once : XXXXXXXX XXXX  Account # XXXX / XXXX / XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX Let me make myself clear : I do not acknowledge these alleged debts as valid. 

These accounts are being reported without legally sufficient validation, violating 15 USC 1681i ( a ). 

No original signed contracts, statements, or chain of custody documents have been provided from any creditor or debt buyer. 

These are zombie debts, often sold and resold, yet you continue to report them without verifiable proof of ownership or liability. 

Multiple accounts are duplicated, inconsistently reported, or entirely unverifiable under Metro 2 compliance.

Your failure to provide verifiable documentation and accurate reporting represents a blatant violation of : FCRA 611 Procedure in case of disputed accuracy FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) ( 5 ) Duty to notify of delinquency FDCPA and FACTA regulations regarding third-party debt collectors As a consumer, I am exercising my legal right to challenge inaccurate and unverifiable information. The burden of proof is on you. If these accounts can not be verified with original documentation ( not screenshots, generic system printouts, or unverifiable metadata ), they must be permanently deleted.

I am demanding the following : 1. Immediate deletion of all listed accounts from my credit file.

2. A written response confirming the removal.

3. A newly updated copy of my credit report from each bureau reflecting these deletions. 



You are now on legal notice. If these items remain past the 30-day compliance window, I will : File complaints with the CFPB, FTC, and my Attorney General Pursue legal action for emotional distress, defamation, and willful FCRA violations Demand compensation for any negative impact these inaccurate accounts have caused I expect full deletion of the accounts listed and no further updates, verbiage modifications, or stall tactics. If these entries are not immediately removed, I will take further legal action without hesitation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation