Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Re : XXXX XXXX, Account # XXXX Formal Deletion Demand 1. Background I am submitting this formal dispute and deletion demand regarding XXXX XXXX account # XXXX. I previously provided multiple complaints via the CFPB portal. XXXX has repeatedly : Marked my prior disputes as duplicates without reviewing new evidence. 

Provided non-authoritative, boilerplate responses. 

Admitted to a XXXX  XXXX  error in their correspondence, which invalidates all reported activity and calculated interest. 

Refused to provide proper verification of post-default interest, the contract XXXX, or any itemized accrual schedules. 

All prior communications, including proof and supporting documentation, have been submitted through the CFPB portal. 

XXXX. Evidence of Inaccuracies and Violations XXXX  XXXX Error XXXX admitted a XXXX  date referenced in prior reporting was a typo. 

This date is used as the basis for reported delinquency and interest calculations.

The admission of the error renders all reporting materially inaccurate, in violation of FCRA 607 ( b ) and 611 ( a ). 

Lack of Authoritative Documentation XXXX has failed to provide complete, verifiable documentation of the debt, including contractually agreed XXXX, itemized payments, and proof of agreement to discretionary charges. 

The documents they provided in the typo correction were not authoritative and can not serve as legal verification.

May Clause and Boilerplate Responses XXXX responses use may clauses regarding reporting and debt validation. 

None of their communications verify the clause or substantiate the debt with authoritative evidence. 

Continued reliance on such discretionary language is unlawful under FCRA 611.

Veiled Threats and Intimidation XXXX suggested escalation to the state AG and repeated references to collection and credit harm. 

Such tactics constitute unfair or deceptive practices under FDCPA 807 and FCRA 623 ( a ) ( 5 ).

3. Legal Obligations of Creditors and Bureaus Under FCRA 607 ( b ), furnishers must ensure the accuracy and completeness of all report
ed information.

Under FCRA 611 ( a ), upon receiving a dispute, furnishers must conduct a reasonable investigation. 

XXXX has admitted to errors and yet continues to report the account inaccurately. 

Refusal or delay in removing inaccurate information violates both the FCRA and state consumer protection laws. 

By failing to respond substantively, XXXX is effectively acknowledging that the account is unverifiable.

4. Evidence Submission and ID Requirement I am submitting my government-issued ID per Equifaxs re
quest, albeit this request is not lawful under FCRA ; bureaus can not refuse to process a dispute solely because ID was not previously provided. 

All evidence, including ID and prior documentation, has now been submitted via the CFPB portal. 

Equifax and other bureaus can not claim non-receipt ; any continued inaction constitutes further regulatory violation. 

XXXX. Formal Deletion Demand Based on the above evidence : I demand deletion of XXXX XXXX account # XXXX from all credit reporting agencies. 

If Equifax, Experian, or TransUnion fail to remove this account or respond substantively, I will submit this letter and supporting evidence as proof to the CFPB and any relevant state regulators. 

By refusing or delaying action, the bureaus are complicit in continued inaccurate reporting.

6. Consequences for Non-Action Continued reporting of this account in its inaccurate state exposes both XXXX and the bureaus to enforcement actions under FCRA 623 ( a ) ( 5 ), 607 ( b ), and state consumer protection laws. 

All communications, evidence, and documentation are now fully in the record. 

Any refusal to comply will be formally escalated to the CFPB as evidence of noncompliance, which the bureau can consider in regulatory or enforcement actions. 

Attachments : XXXX correspondence, including admission of XXXX  typo Itemized interest calculations showing discretionary post-default charges Government-issued ID

Company response to consumer: Closed with explanation