Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Final Dispute Letter ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Last 4 of SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX ________________________________________ RE : Final Notice of Formal Dispute Demand for Deletion Under FCRA 602, 604, 605, 609, 611, and 623 To Whom It May Concern : This is my final written dispute regarding inaccurate, unverifiable, and legally non-compliant information that you continue to report on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite my prior disputes, you have failed to provide proper verification as required by law. As recent federal lawsuits and consent decrees have shown, both XXXX and Equifax have a documented history of failing to comply with the FCRA. Continuing to report these items knowingly subjects you to statutory and punitive damages. 
I am demanding permanent deletion of the following accounts : ________________________________________ Charge-Offs ( FCRA 605 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ) ) XXXX ( Auto Loan ) Status : Charge Off, Balance {$14000.00}, XXXX : XX/XX/XXXX XXXX ( Charge Account ) Status : Charge Off, Balance {$0.00} ( sold/transferred ), XXXX : XX/XX/XXXX These charge-offs are reported inaccurately and without verifiable documentation. Under FCRA 623, furnishers can not report information they know or should know is inaccurate. Further, if you can not produce signed contracts, complete payment history, and original source documentation under 609 ( a ) ( 1 ) ( A ), you must delete these accounts.

________________________________________ Accounts With Serious Delinquencies ( FCRA 611 ( a ) ) XXXX XXXX Auto Loan ) Status : 90119 Days Past Due, Balance {$23000.00}, XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX ( Charge Account ) Status : 120 Days Past Due, Balance {$0.00} ( Closed/Paid ), severe late history These are inaccurate and unverifiable. In fact, XXXX is reporting future-dated delinquencies ( XXXX ) which is a blatant violation of accuracy standards under FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( A ).

________________________________________ Closed Accounts With Negative Marks ( FCRA 605 ( a ) ( 5 ) ) XXXX XXXX ( Secured Loan ) Status : Closed ; 6089 Days Past Due in XXXX XXXX ( Second Account ) Status : Closed ; past XXXX late history in XXXX XXXX XXXX XXXX XXXX XXXX ( Credit Card ) Status : Closed ; XXXX late payment in XXXX These accounts are closed with {$0.00} balances yet continue to harm my credit profile by reporting outdated and unverifiable late payment history. Unless you can provide certified documentation from the original creditor ( not just e-Oscar form responses ), these must be deleted. I never gave written consent to report anything on my consumer report. 
I never gave written consent to report anything on my consumer report. 

________________________________________ FCRA Violations You Are Now On Notice For : 602 ( A ) : Failure to maintain maximum possible accuracy.

604 : Reporting information without permissible purpose.

605 ( a ) : Continuing to report obsolete and damaging information.

609 ( a ) : Failure to provide source of verification when requested.

611 ( a ) : Failure to properly reinvestigate within 30 days.

623 ( a ) : Furnishing information known to be inaccurate.

1681b : Permissible purposes of consumer reports ________________________________________ DEMAND FOR REMEDY You now have XXXX business days from receipt of this notice to permanently delete the above accounts from my XXXX and Equifax credit files. If you fail to do so, I will have no choice but to escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My state Attorney General And pursue civil damages in federal court under FCRA 616 & 617, which allow for actual, statutory, and punitive damages, plus attorneys fees. 
I have already been denied credit, forced into higher interest rates, and suffered measurable financial harm as a direct result of your continued negligence. 
________________________________________ This is your final opportunity to comply with the law before I pursue legal remedies. 
Sincerely, ________________________________________ XXXX XXXX

Company response to consumer: Closed with explanation