Consumer complaint received 2025-01-15 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: MO

Complaint narrative:
Dear Equifax, XXXX Subject : Formal Dispute and Request for Removal of Inaccurate Accounts I am writing to dispute inaccurate and unverifiable information currently being reported on my credit file. Specifically, the following accounts are being improperly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts must be investigated and, if they can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, must be immediately removed from my credit file. 

Legal Basis for My Dispute 15 U.S.C. 1692g : Debt collectors are required to provide verification of a debt upon request. If these debts are not validated, they should not be reported.

15 U.S.C. 1681s-2 : Furnishers of information must ensure the accuracy of data they report. Reporting inaccurate or unverifiable information is a violation of this statute.

15 U.S.C. 1681i : Credit reporting agencies are required to reinvestigate disputed information and remove unverifiable or incorrect data from consumer files.

15 U.S.C. 1681c-2 : This section addresses identity theft and fraudulent reporting, and it is relevant if any of these accounts were opened fraudulently or without my authorization. I am writing to formally file a complaint and dispute concerning extortionate and coercive practices related to debt collection, which violate 18 U.S.C. 894. This statute explicitly prohibits the use of violence, threats, or other unlawful means in the collection of debts or the punishment of individuals for nonpayment. 

The actions taken by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are illegal under federal law and have caused me significant stress and concern for my personal safety. As a result, I am disputing this debt and requesting a formal investigation into these practices. 

Actions Requested : Immediately cease all contact and collection efforts related to this account. 
Provide a detailed explanation of the actions and communication methods used in your collection process. 
If the debt is invalid, remove all references to this account from any reporting to credit bureaus ( XXXX, Equifax, XXXX ). 
Cooperate fully with any investigation conducted by federal authorities, including the Department of Justice or the Federal Trade Commission. 
Failure to comply with these requests will result in further legal action, including filing complaints with federal agencies and pursuing damages for violations of 18 U.S.C. 894. 

Please provide a written response to this complaint and dispute within 30 days of receipt. Action Requested I request that Equifax and XXXX take the following actions : Conduct a thorough investigation of these accounts in compliance with 15 U.S.C. 1681i. 
Provide a detailed explanation of the verification process for these accounts, including all supporting documentation and the identity of the data furnisher ( s ). 
If verification can not be completed within the legally mandated timeframe ( 30 days ), immediately remove these accounts from my credit file. 
Continued reporting of inaccurate or unverifiable information is not only harmful but a direct violation of federal law. If these inaccuracies persist, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights under the FCRA and other relevant laws.

Company response to consumer: Closed with non-monetary relief