Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
RE : CONTINUED REPORTING OF UNVERIFIED AND INACCURATE INFORMATION FORMAL DISPUTE NOTICE To Whom It May Concern, As a legally informed consumer, I am issuing this formal dispute letter to demand immediate reinvestigation and deletion of several unverifiable and inaccurately reported items on my Equifax credit file. These entries are harming my financial reputation, and unless you can provide verifiable documentation proving their accuracy, they must be removed pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). 
Disputed Accounts 1. XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$15000.00} Issue : This charge-off continues to be reported without proof of validation. If this debt has been charged off and a 1099-C was issued, it is considered canceled income under IRS Publication 4681 and is no longer a legally collectible obligation. Reporting it as an active account misrepresents my financial status. 
2. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$190.00} Issue : This is a third-party collection account that remains unverified. I demand full documentation from the original creditor, including proof of assignment, consumer consent, and a copy of the original signed agreement. 
3. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$720.00} Issue : Marked as having late payments, but no supporting billing or contractual documentation has been provided. If you can not verify payment history and consumer obligation, this entry must be removed. 
4. XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} Issue : This item also reports late payments without proper validation or full documentation of consumer agreement. If you can not verify with original records, this item must be deleted immediately. 
5. XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$610.00} Issue : This entry is reported as a late payment, but I have not received any lawful validation of the obligation. No billing records or signed agreements have been provided. This must be removed unless fully verified. 
Disputed Hard Inquiries The following hard inquiries appear on my credit report without my authorization. Under 15 U.S.C. 1681b, you are required to verify that all inquiries had a permissible purpose and were made with consumer consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unless Equifax can provide concrete proof that I authorized these inquiries, they must be deleted immediately to prevent further damage to my creditworthiness. 
Legal Basis for Dispute This request is based on your legal obligations under the following statutes : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 IRS Publication 4681 Guidelines for canceled/charged-off debts Consumer Financial Protection Bureau ( CFPB ) and FTC Enforcement You are required to conduct a reasonable reinvestigation and respond within 30 days. Continued reporting of unverified or inaccurate information constitutes negligent or willful noncompliance and subjects you to liability under 15 U.S.C. 1681n and 1681o.

Immediate Actions Required 1. Delete all inaccurate and unverifiable accounts and inquiries. 
2. Provide full documentation if any item is to remain, including : o Signed contracts or agreements o Complete billing and payment history o Proof of assignment and debt ownership o Signed authorization for inquiries 3. Cease further reporting of any entry that can not be lawfully verified. 
Notice of Escalation A formal complaint is being prepared for submission to the CFPB, FTC, XXXX XXXX XXXX, and the South Carolina Attorney Generals Office. Continued failure to correct these violations will also result in legal review for damages. 
You have 10 calendar days to comply before this matter is formally escalated. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Legal File

Company response to consumer: Closed with non-monetary relief