Consumer complaint received 2025-06-28 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:
Subject : FINAL NOTICE Equifax 's Willful Violations of the FCRA and TILA Immediate Deletion Demanded To Whom It May Concern, This letter serves as my final formal dispute and demand for immediate deletion of several inaccurate, unverifiable, and misleading accounts reported by Equifax. Despite clear contradictions and inconsistencies in the information provided across credit bureaus, Equifax continues to report data in violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Your agency has failed to comply with your statutory duties under these laws, and you are now officially notified that if these violations are not corrected within 15 days, I will escalate this case to appropriate federal and state regulators, and consider litigation. 

DISPUTED ACCOUNTS REPORTED BY EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} | Past Due : {$6900.00} Credit Limit : {$0.00} Status : Collection/Chargeoff Violation : While Equifax reports this account as charged-off with a delinquent balance, XXXX  lists it as open with a {$0.00} balance. This contradiction is evidence of negligent reporting. No updated credit limit or activity verification provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} | Past Due : {$3800.00} Credit Limit : {$0.00} Status : Collection/Chargeoff Violation : Repetitive charge-off reporting with no supporting documentation. Payment history and reporting dates conflict with other bureaus. No explanation or documentation has been provided upon dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} | Past Due : {$7600.00} Credit Limit : {$0.00} Status : Collection/Chargeoff Violation : Equifax continues to report this account with missing credit limit, mismatched last payment dates, and no reinvestigation outcome. Other bureaus report different statuses and limits, making this inherently unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} | Past Due : {$2500.00} Credit Limit : {$0.00} Status : Collection/Chargeoff Violation : Credit limit inconsistently reported, and monthly payment history does not match usage. Repeated CO notations with no updated billing structure or reinvestigation response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} | Past Due : {$4400.00} Credit Limit : {$0.00} Status : Collection/Chargeoff Violation : Account shows delinquencies ( 90, 120, 150 days ), with {$0.00} limit and no payment terms disclosed. Contradictions with XXXX  and XXXX  present. 

LEGAL VIOLATIONS BY EQUIFAX Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : Failure to ensure maximum possible accuracy. Contradictions between Equifax, XXXX, and XXXX  demonstrate a systemic failure to verify data. 1681i ( a ) : No valid reinvestigation or correction completed within the 30-day dispute window. 1681i ( a ) ( 5 ) ( A ) : Failure to delete or modify inaccurate or unverifiable data. 609 ( a ) ( 1 ) ( A ) : Failure to provide source documentation ( signed contracts or billing agreements ). 609 ( a ) ( 2 ) : No disclosure of the furnishers or the method used for verification. 1681s-2 ( a ) : Failure by data furnishers and Equifax to correct disputed information when notified . 1681b ( a ) ( 2 ) : Continued reporting of outdated charge-offs without permissible purpose. 1681i ( 7 ) : No reinvestigation summary provided. 616 & 617 : Equifax is now exposed to actual and statutory damages for willful and negligent noncompliance with the FCRA. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. : Failure to disclose accurate credit terms, account structure, or repayment terms. Regulation Z 12 C.F.R. 1026.7 : No clear billing history, credit limit, or payment disclosure for any of the charged-off accounts. Misrepresentation and failure to update billing obligations constitutes a violation of consumer protections under TILA.

DEMAND FOR RESOLUTION You are now required to : Immediately delete the five accounts listed above from my Equifax credit file.

Provide original documentation and verification, including any signed credit agreements or billing statements used to validate the accounts.

Deliver a full written reinvestigation summary, as required by 15 U.S.C. 1681i ( 7 ).

NOTICE OF ESCALATION If Equifax fails to delete the inaccurate accounts and comply with federal law within 15 calendar days, I will escalate this case to : The Federal Trade Commission ( FTC ) My states Attorney Generals Office The State Department of Financial Services And I will consider filing a federal lawsuit under FCRA 616 and 617 for willful noncompliance and damages.

Equifax has a legal obligation to correct or delete any inaccurate, unverifiable, or incomplete credit data. I will not hesitate to take appropriate legal action to protect my rights under the law.

Company response to consumer: Closed with non-monetary relief