Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ). I have reviewed my credit report and identified errors that are harming my financial standing and infringing upon my rights as a consumer. 

Details of Disputed Information The inaccuracies include : XXXX XXXX. 

Date Opened : Your report indicates the account was opened on XX/XX/XXXX. However, conflicting payment histories are reported by XXXX and XXXX, which raises concerns about accuracy. 

Payment History : XXXX states the first delinquency occurred in XX/XX/XXXX, while XXXX lists XX/XX/XXXX. XXXX also includes 180 days past due in XXXX XXXX, which does not align with XXXX data. 

Status Description : Your report lists the status as " Paid in Settlement. '' However, inconsistencies exist across other credit reporting agencies. 

On Record Until : XXXX reports this item will remain until XX/XX/XXXX, while XXXX states XX/XX/XXXX. This discrepancy must be addressed. 

XXXX XXXX  ( XXXX ) : Missing from Equifax Report XXXX This account appears in XXXX  report as a charged-off account with delinquencies beginning in XX/XX/XXXX and a charge-off date of XX/XX/XXXX. However, it is not reflected in XXXX records. Validation of the accounts presence and its status is required. 

Legal Basis for This Dispute As a nationwide consumer reporting agency, Equifax is legally obligated to ensure the accuracy of consumer reports and to properly handle disputes. Your recent practices, as highlighted in the Consumer Financial Protection Bureau ( CFPB ) enforcement action, demonstrate systemic failures to uphold these responsibilities. My concerns are specifically grounded in the following violations : Failure to Conduct Adequate Investigations ( 15 U.S.C. 1681i ) : Your company failed to reasonably investigate disputes by ignoring consumer-provided documentation and evidence. 

Responses from furnishers were accepted uncritically, even when they were inconsistent or contradicted other information. 

The outcome notices provided to me regarding my disputes were confusing and contradictory. 

Reinsertion of Previously Deleted Errors ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : I have identified errors that were previously disputed and corrected but have since been reinserted into my credit report without proper verification or notification.

Failure to Ensure Maximum Accuracy ( 15 U.S.C. 1681e ( b ) ) : Your internal processes allowed for duplicate reporting of the same credit accounts and the dissemination of inaccurate credit scores.

Coding errors in your system have misrepresented my creditworthiness to lenders, employers, and others.

Unfair and Deceptive Practices ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) : The systemic failures in your dispute-handling processes constitute unfair and deceptive practices, harming my financial opportunities and overall well-being. 

The CFPB 's XX/XX/XXXX, action against Equifax underscores these violations. The CFPB found that Equifax ignored consumer-submitted evidence, failed to prevent the reinsertion of previously deleted errors, and relied on flawed software that misrepresented consumer credit scores. These systemic failures directly support my dispute. 

Supporting Evidence I am providing the following documentation to substantiate my dispute : Copies of credit reports from XXXX and XXXX highlighting discrepancies. 

Billing statements and correspondence with creditors. 

Documentation of previous disputes and resolutions. 

Requested Resolution In light of these violations and the harm caused by inaccurate reporting, I demand that Equifax take the following actions immediately : Conduct a thorough and lawful investigation of the disputed information in compliance with the FCRA.

Correct or delete any inaccurate or unverifiable information within the required timeframes.

Provide me with a clear and detailed summary of your investigation, including the outcome and the steps taken to resolve the issue.

Implement measures to prevent the reinsertion of previously corrected inaccuracies without proper verification and notification.

Consumer Rights Reminder Please be advised that under 15 U.S.C. 1681n, you may be held liable for willful noncompliance with the FCRA, including statutory, actual, and punitive damages, as well as my legal costs and attorneys fees, should further action be necessary. 

Failure to address this matter promptly will result in additional steps to protect my rights. I expect to receive a written acknowledgment of this dispute within five ( 5 ) business days and a resolution within the time period specified by the FCRA. 

Thank you for your immediate attention to this matter.