Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX -- - To : Equifax XXXX  XXXX XXXX XXXX, GA XXXX Subject : Formal Procedural Request Under 15 U.S.C. 1681g & 1681i Verification of Charged-Off/Closed Account & Legal Notice To Whom It May Concern, This is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g ( Section 609 ) and 15 U.S. Code 1681i ( Section 611 ). I am demanding full documentation and the complete method of verification for the following account listed on my credit report : Creditor Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX  Account Status : Charged-Off / Closed Creditor Name : XXXX XXXX XXXX Account Number : N/A Account Status : Charged-Off / Closed Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Status : Charged-Off / Closed Under Section 609 ( a ) ( 1 ) ( A ), I request a full disclosure of all documents, records, and communications used during your reinvestigation or reporting, not merely a confirmation from the original creditor. This includes but is not limited to : Original application or signed contract, Full account history and billing records, Notes, communications, or evidence of internal investigations, Names and contact details of any third parties involved in verification.

Furthermore, under 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable investigation into any disputed account and provide the results and the method of verification. Failure to fully verify or provide supporting documentation requires the account to be immediately deleted from my credit file.

> Legal Precedent Supporting My Request : 1. Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) The court held TransUnion liable for failing to conduct a reasonable investigation under 1681i. A CRA can not rely solely on the furnisher 's word.

2. Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Equifax was held accountable for not independently verifying information furnished by the creditor. 


XXXX. XXXXchardson v. Equifax, Experian, and TransUnion ( Case No. 3:19-cv-00034, N.D. Miss. ) All three bureaus were sued for continuing to report unverifiable charge-offs, and for failing to provide actual documentation after disputes under 609 and 1681i. 



These cases show that courts support the consumers right to full procedural documentationnot vague confirmationsand that credit bureaus are liable for continuing to report unverifiable information. 

Therefore, if you can not produce full documentation as required by law, this account must be removed from my credit report immediately. 

I have included valid proof of my identity and residence to comply with your request requirements. If no response or resolution is provided within XXXX XXXX, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may initiate civil action for willful noncompliance under 15 U.S.C. 1681n. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation