Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am writing under the protections of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., to dispute false and potentially unlawful information contained within my credit file. I formally demand the immediate deletionnot correctionof inaccurate and unverifiable entries which are currently harming my financial standing and personal well-being.

Specifically, the following accounts are disputed : XXXX  ( # XXXXXXXX  ) : This account, opened on XX/XX/XXXX, reflects a charge-off for a high balance of {$1700.00}. If this account has been charged off and a 1099-C was filed with the IRS, then per IRS Publication 4681, the debt is considered canceled and must not remain reported as an ongoing liability. Continuing to list this as a charge-off misrepresents my current financial obligations and is in violation of 15 U.S. Code 1681e ( b ) which mandates accurate and up-to-date reporting. 

XXXX ( # XXXX ) : Opened XX/XX/XXXX, this entry lists a high balance of {$28000.00} and reports late payments. These late payments are being reported without full documentation and validation of timing, billing integrity, and contractual compliance. This is especially troubling if more than seven years have passed since the alleged delinquencies, which would violate the time-bar limits under 15 U.S. Code 1681c. 

XXXX XXXX XXXX # XXXXXXXX ) : This tradeline lists a high balance of {$5300.00} with the status Unrated or bankruptcy. I have not filed for bankruptcy and therefore this status is wholly inaccurate and defamatory. Reporting bankruptcy status without proof is a gross violation of 15 U.S. Code 1681i and 1681s-2 ( a ) ( 1 ) ( A ), which prohibit the inclusion of false or unverifiable data. 

XXXX XXXX ( XX/XX/XXXXXXXX  ) : This inquiry appears without my knowledge or permissible purpose. Under 15 U.S. Code 1681b, consumer reports may only be accessed for legitimate and authorized purposes. Any unauthorized inquiry is a violation of privacy and FCRA access protocols. 

These items are materially affecting my access to credit, fair housing, and peace of mind. The mental and emotional distress caused by the presence of incorrect data is substantial, including repeated denials of credit applications and the undue stress of managing disputes for accounts I do not recognize or owe. 

Under FDCPA 1692g ( a ) and 1692c, you are required to cease all collection and reporting activities until these items are properly validated. Furthermore, continued reporting of false information constitutes willful noncompliance, subject to civil liability under 15 U.S. Code 1681n. This letter serves as formal notice that you have ten ( 10 ) calendar days from receipt of this notice to comply and provide written verification, or I will initiate further action.

Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n.

I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES!

If applicable, I have enclosed supporting documents such as my identity verification, a current utility bill, and any relevant affidavits.

Company response to consumer: Closed with non-monetary relief