Product: Credit reporting or other personal consumer reports

XXXX XXXX Prior CFPB Complaint XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX : Formal Dispute and Request for Resolution - Equifax Response To Whom It May Concern : I am writing to file a formal dispute concerning a recent report provided by Equifax. I am requesting a full investigation into the inaccuracies and the handling of my credit report under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

The specific issue relates to two accounts, namely : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax reported that both of these accounts are mine, and I have already submitted the necessary identification documents, including a government-issued ID with my correct address and my Social Security Number ( SSN ). I want to emphasize that no further identification is required as I have already provided sufficient information for verification. 

I would like to draw your attention to the following issues : 1. Timing of Payments - XXXX XXXX XXXX XXXX As per XXXX XXXX XXXX XXXX, the only way a corporation may report a payment as late is in compliance with the specific timing requirements set forth in this statute. Payment reporting must adhere to these standards, and I assert that any claim of a late payment on my accounts may not have been reported in accordance with the law. Therefore, any derogatory reporting of these payments as late may be a violation of XXXX XXXX XXXX XXXX. 

2. Fair Credit Reporting Act ( FCRA ) Violations Under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX  XXXX defines the requirements for accuracy in credit reporting and the necessity for full disclosure and validation of the information reported. 
XXXX XXXX XXXX XXXX mandates that furnishers of information to credit reporting agencies like Equifax must ensure the accuracy and integrity of the data they report. 
XXXX XXXX XXXX XXXX provides the rights for consumers to take action in case of violations, including the right to seek damages for inaccuracies. 
The response from Equifax claiming verification of these accounts as accurate, without a full resolution of my concerns or a thorough investigation, seems to constitute a stall tactic. I am requesting immediate and thorough re-investigation and correction of my credit report, as the information reported is not accurate based on the laws mentioned above. 

3. Stalling Tactics by Equifax I am baffled by XXXX attempt to stall resolution. As stated earlier, I have already provided sufficient documentation to validate my identity, including a government-issued ID and my SSN. There should be no need for additional identification to verify these accounts or resolve the dispute. I find this delay unacceptable, especially considering my efforts to cooperate in good faith. 

Request for Immediate Action In light of the legal standards mentioned, I request that Equifax provide a full, detailed response to this dispute with concrete evidence of their compliance with the laws governing the reporting of account information. I also ask for the prompt removal of any inaccurate or unverifiable items from my credit report and a formal resolution within the timeline mandated by the FCRA. 

Please provide a clear explanation of how my dispute is being addressed and ensure compliance with all relevant consumer protection laws. 

Sincerely, XXXX XXXX