Product: Credit reporting or other personal consumer reports

To Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : FORMAL DISPUTE OF INACCURATE ACCOUNT REPORTING URGENT ACTION REQUIRED Dear Equifax Dispute Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of account XXXX **** ( XXXXs ) on my Equifax credit file XXXX Pursuant to FCRA 611 ( a ), you are required to conduct a thorough investigation and ensure all reported information is 100 % accurate, verifiable, and complete.

I have previously disputed this account with Equifax, yet instead of correcting the errors, you simply updated the information while allowing the inaccuracies to persist. Additionally, I requested the Method of Verification ( MOV ) under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), but I never received a proper response. This is a blatant VIOLATION of my consumer rights.

FCRA VIOLATIONS & INACCURATE REPORTING DETAILS : 1. Delinquency Reporting Contradictions : The report states that this account was in delinquency as of XX/XX/XXXX. However, at no point was this account ever reported as 30, 60, 90, or more days late. Also the balance is {$0.00} ***This directly contradicts the claim of delinquency and violates FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy.

2. Inconsistent Account Closing Date Equifax has reported two different closing dates for this account in two separate credit reports : - Report # XXXX from date XX/XX/XXXX states the closing date as XX/XX/XXXX *** See attached credit report with highlighted errors*** - Report # XXXX from date XX/XX/XXXX states the closing date as XX/XX/XXXX *** See attached credit report with highlighted errors *** This contradiction within Equifax 's own records proves that the information is not accurate and violates FCRA 1681i ( a ) ( 5 ) ( B ). Furthermore, this closing date also does not match the original creditors records or the information from other credit bureaus, further proving the data inconsistencies.

3. Inconsistent & Unverified Balance Information The highest balance is reported as {$2100.00}, yet the credit limit wa
s only {$1500.00}, creating a Metro 2 compliance failure. Also credit limits and high balance It is only reported sometimes and in other months there is NO DATA means that the report is incomplete and inaccurate!

The current balance is reported as {$0.00}, yet the account is listed as Charge-Off, which is contradictory and misleading. Also! WHEN THE ACCOUNT WAS CHARGE-OFF? Theres no information of that neither. 
Additionally, per IRS guidelines, a charged-off debt is considered income and should not be reported as a debt on a consumer credit report.

4.Failure to Conduct a Proper Investigation ; Equifax has been previously fined for sham investigations and failing to properly review disputes. By simply updating incorrect data rather than conducting a proper investigation an
d correction, Equifax is engaging in the same negligent practices that have led to regulatory fines and lawsuits. Under FCRA 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and meaningful reinvestigation,
which has not happened in my case.

Metro 2 Compliance Requirements Not Met : Under Metro 2 guidelines, Equifax and data furnishers must follow the Compliance Condition Codes and report only accurate and verifiable data. Due to multiple data integrity violations, this account should be deleted immediately to remain in compliance with federal regulations.

Immediate Action Required : I demand one of the following within 30 days : 1. Full documentation proving the accuracy and verification method of this account, including all furnisher records.

2. Immediate deletion of the disputed account from my credit report if you can not verify 100 % accuracy.

Failure to comply with these legal obligations will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I will consider legal action for damages under 15 U.S.C. 1681n & 1681o, including statutory damages of up to {$1000.00} per violation, punitive damages, attorney fees, and court costs.

Additionally, I will explore legal remedies for non-compliance with FCRA & Metro 2.Please send written confirmation of your response to my mailing address above. 

Sincerely, XXXX XXXX XXXX