Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX To : Equifax XXXX XXXX XXXX, XXXX, GA XXXX Re XXXX FORMAL DISPUTE DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE, CLOSED, PAID ACCOUNT Account- XXXX XXXX To Whom It May Concern : This letter serves as a formal dispute, notice of non-compliance, and demand for deletion of the above-referenced account from my credit file. The account is reported as negative despite being closed and fully paid, which constitutes inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ).

1. You Are Reporting False, Misleading, and Legally Non-Verifiable Information Under FCRA 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy. Reporting a paid, closed account with derogatory notations misrepresents my creditworthiness and causes willful injury to my financial standing. 

If the account is closed and paid, it can not legally be reported as currently derogatory, past due, or negative. Such reporting fails the accuracy standard required by federal law.

* * 2. You Must Conduct a Complete Reinvestigation ( FCRA 611 15 U.S.C. 1681i ) * * I dispute ALL negative items attached to this account.

You are required to : Conduct a reasonable reinvestigation Verify, correct, or delete the disputed information within 30 days Provide me with documentation from the original furnisher proving the accuracy of each negative mark If you can not produce written, original, admissible evidence, the FCRA requires DELETION of the item, not modification.

* * 3. Continued Reporting of Inaccurate Information Is a Willful Violation ( FCRA 616 & 617 ) * * Should you continue to report unverified, false, or misleading data regarding this paid, closed account, your organization will be in willful violation of the FCRA, exposing you to : Civil liability Statutory damages Actual damages Attorneys fees I intend to protect my rights fully and will not hesitate to escalate this matter.

4. FDCPA ( If Debt Collectors Are Involved ) If any debt collector is furnishing this information, note that under FDCPA 807, it is illegal to : Misrepresent the character, amount, or legal status of any debt Communicate false credit information Reporting a paid account as derogatory constitutes false representation and is strictly prohibited.

5. DEMAND I am demanding the immediate removal of this account from my credit file due to : Inaccuracy Failure of maximum possible accuracy standard Misrepresentation of payment status Failure to maintain legally verifiable records This dispute requires deletion not correction.

6. You Have 30 Days to Comply If you can not substantiate the accuracy of EACH derogatory remark wi
th original documentation, you are required by law to REMOVE the account entirely within 30 days.

Failure to comply will result in formal complaints to : CFPB FTC State Attorney General Legal counsel, if necessary 7. Signature Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation