Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am writing to formally dispute the results of my recent credit report investigation, as communicated to me in your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Equifax has failed to properly investigate the inaccuracies I reported, and I am demanding a thorough reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

In your response, you indicated that you " verified '' the accounts I disputed but did not provide sufficient evidence that a reasonable investigation was conducted. Specifically : You failed to provide the method and details of your verification process. 

You did not address the inaccurate reporting of Disputed Accounts : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$7000.00} Issue : This account is being reported multiple times with the same creditor and open date. This constitutes a clear violation of the FCRA under Sections 1681e ( b ) and 1681i, as the information provided is neither accurate nor properly reinvestigated. XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$5300.00} Issue : Incorrectly reporting 20 late payments, while XXXX only reports 5. This discrepancy violates FCRA Sections 1681e ( b ) and 1681i. XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$2600.00} Issue : Incorrectly reporting 28 late payments, while XXXX reports 6. This violates FCRA Sections 1681e ( b ) and 1681i. XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Dispute over missed and late payments without proper documentation. This violates FCRA Section 1681i ( a ). 
XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$2300.00} Issue : Incorrectly reporting 14 late payments, while XXXX reports 5. This violates FCRA Sections 1681e ( b ) and 1681i. XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$420.00} Issue : Being reported multiple times with the same creditor and open date. This violates FCRA Sections 1681e ( b ) and 1681i. XXXXXXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$5900.00} Issue : Incorrectly reporting 18 late payments, while XXXX reports 6. This violates FCRA Sections 1681e ( b ) and 1681i. XXXX XXXX XXXX XXXX XXXX Bank ) Account # XXXX Opened : XX/XX/XXXX Balance : {$4000.00} Issue : Incorrectly reporting 25 late payments, while XXXX reports 7. This violates FCRA Sections 1681e ( b ) and 1681i. XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$3600.00} Issue : Dispute over missed and late payments without proper documentation. This violates FCRA Section 1681i ( a ). XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Incorrectly reporting 17 late payments, while XXXX reports 6. This violates FCRA Sections 1681e ( b ) and 1681i. 
Achieve Personal Loan Account # XXXX Opened : XX/XX/XXXX Balance : {$19000.00} Issue : Incorrectly reporting 25 late payments, while XXXX reports 4. This violates FCRA Sections 1681e ( b ) and 1681i. XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$420.00} Issue : Being reported multiple times with the same creditor and open date. This violates FCRA Sections 1681e ( b ) and 1681i. XXXX XXXX XXXX ( Collection Account ) Account # XXXX Balance : {$430.00} Issue : Dispute over amount and open date without proper documentation. This violates FCRA Sections 1681e ( b ) and 1681i. Inquiry from Informative Research Date : XX/XX/XXXX Issue : Unauthorized You did not remove the erroneous accounts despite my submission of supporting evidence. 

Under the FCRA, you are required to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. Since you have failed to do so, I am requesting : A detailed explanation of your verification process, including documentation from the data furnishers. 

The immediate removal of any unverified, inaccurate, or outdated information. 

A corrected copy of my credit report reflecting these changes. 

Notification to all creditors who have received my credit report within the last six months of these corrections.

If Equifax does not comply within the legally mandated timeframe of 30 days, I am prepared to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore legal options to ensure my consumer rights are upheld. 

Please send all correspondence regarding this dispute to the address listed above. I expect prompt action on this matter.