Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Equifax are required to ensure the maximum possible accuracy of the information they report. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized your obligations to promptly and thoroughly investigate disputes. 

Equifax has recently been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate credit reporting standards. I urge you to take this dispute seriously to avoid further regulatory issues or violations of my consumer rights. 

The following items on my credit report are inaccurate : XXXX XXXX XXXX. 
Reported : XXXX XXXX, XXXX Balance : {$6000.00} Status : Closed, Charge-off Payment Status : Charge-off, XXXX times late Remarks : Charged off account Discrepancy : Payment history shows late payments despite timely payments on my part. 
Request : Investigate and correct the payment history, and ensure the account is reported accurately. 
XXXX XXXX, XXXX Reported : XXXX XXXX, XXXX Balance : {$55.00} Status : In Good Standing Discrepancy : The account reflects timely payments but is showing an inaccurate credit limit of {$1000.00}. 
Request : Verify and correct the credit limit and ensure that all details align with the actual terms of the account. 
XXXX Reported : XXXX XXXX, XXXX Balance : {$0.00} Status : Closed Remarks : Account closed at consumer 's request Discrepancy : The status is marked as closed but should reflect a fully paid account in good standing. 
Request : Confirm the accurate reporting of account closure and payment history. 
XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$300.00} Status : Charge-off, Closed Payment Status : Charge-off, XX/XX/XXXX times late Discrepancy : The account is reported as closed with charge-off status, but there is no clear explanation of the status change. 
Request : Provide clarification and verify the accuracy of the charge-off information and timeline. 
XXXX XXXX  Reported : XXXX XXXX, XXXX Balance : {$310.00} Status : Closed Payment Status : Charge-off, XXXX times late Discrepancy : The account status and reported balance do not accurately reflect the actual payment history. 
Request : Verify and correct the payment history and ensure the account 's status is accurately reported. 
I demand that Equifax : Conduct a complete and thorough investigation of these matters.

Correct or delete the inaccurate information immediately. 
Provide me with a copy of the updated credit report reflecting these changes. 
Please note that failure to address this dispute within the legally required 15 days will result in further action. I am fully prepared to file a complaint with the CFPB, as outlined in their guidance, should Equifax fail to comply with its responsibilities under the FCRA. 

I trust you will handle this matter promptly and professionally. Please send all correspondence to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX