Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Incorrect XXXX XXXX Credit Report Dear Equifax XXXX Department XXXX I am writing to formally dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report, and after a thorough review, I discovered several inaccuracies that require your immediate attention. The incorrect information is detailed below : Dispute 1 I am writing to dispute the following information presented below that appears on my Equifax consumer report. Im challenging the validity of these records being furnished on my Equifax credit report as they are not accurate information and can be seen circled in the supporting documents added to this complaint. The Information reported does not match the information being furnished by other bureaus. I demand that you provide all information pertaining to this information being furnished listed below in compliance with all paragraphs and subparagraphs under the FCRA, Fair Credit Reporting Act, Section 609. I am demanding you to verify these records. If you can not verify these records and provide all documents needed to verify these records in compliance with Section 609 of the FCRA, I demand you to remove this information from my account immediately. 




INACCURATE INFORMATION Account Number : XXXX The original balance is reported differently from the bureaus ( pg 4 ) Account Number : XXXX The original balance is reported differently from the bureaus ( pg 8 ) The Loan Type is reported as Credit Card and the other bureaus have it reported as flexible spending credit card ( pg 9 ) The date the account was open is also different from the other bureaus ( pg 9 ) The date the account was reported is also different from the other bureaus ( pg 9 ) The date the last payment is being reported is also different from the other bureaus ( pg 9 ) Account Number : XXXX The date the account was open is also different from the other bureaus ( pg 14 ) The date the account was reported is also different from the other bureaus ( pg 14 ) The date the last payment is being reported is also different from the other bureaus ( pg 14 ) Account Number : XXXX The date the account was open is also different from the other bureaus ( pg 16 ) The date the account was reported is also different from the other bureaus ( pg 16 ) The date the last payment is being reported is also different from the other bureaus ( pg 16 ) The current balance the account is displaying is different from the other bureaus ( pg 16 ) The original balance the account is displaying is different from the other bureaus ( pg 16 ) Account Number : XXXX The date the account was open is also different from the other bureaus ( pg 21 ) The date the account was reported is also different from the other bureaus ( pg 21 ) Account Number : XXXX The current balance the account is displaying is different from the other bureaus ( pg 31 ) The date the account was open is also different from the other bureaus ( pg 31 ) The date the account was reported is also different from the other bureaus ( pg 31 ) The date the last payment is being reported is also different from the other bureaus ( pg 31 ) The status of the account is displaying different from the other bureaus ( pg 31 ) Account Number : XXXX The date the account was open is also different from the other bureaus ( pg 37 ) Creditor Information is displaying different from the other bureaus ( pg 37 ) Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these inaccuracies and the prompt correction of my credit report to accurately reflect my credit history immediately. I understand that Equifax has a legal obligation to ensure the accuracy of the information in my credit report under 15 USC 1681.

I am demanding that you : Conduct a comprehensive investigation into the disputed accounts and their associated inaccuracies. 
Correct and update my credit report as necessary to reflect the accurate information. 
Provide me with written confirmation of the resolution and any changes made to my credit report. 

I understand that you have 30 days from the receipt of this dispute letter to complete your investigation and make the necessary corrections to my credit report. If the information can not be verified, I demand you remove it from my report immediately. 

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law. I look forward to receiving written confirmation of the actions taken to rectify the inaccuracies on my credit report. 




I have attached a copy of my report with the accounts in question circled in XXXX. 

Sincerely, XXXX XXXX