Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Email : XXXX Complaint Summary I am filing a formal complaint against Equifax Information Services LLC for its failure to investigate and remove multiple inaccurate and incomplete tradelines on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute these erroneous accounts, Equifax has failed to provide a clear or consistent process to verify and rectify the disputed information. 

Below is a summary of the critical issues and inaccuracies I have documented in my recent dispute letters to Equifax. These misreportings have damaged my creditworthiness, and XXXX refusal or inability to correct them violates federal law. 

Accounts Under Dispute XXXX XXXX XXXX ( Account # XXXX ) Key Issues : Contradictory reporting ( Closed status but still past due ). 
Inconsistent dates ( first delinquency is earlier than the account opening date ). 
Missing or incomplete payment details ( no date of last payment, no scheduled payment amount ). 
Requested Action : Immediate removal of the inaccurate account, a thorough investigation, and an updated credit report reflecting this deletion. 
XXXX XXXX XXXX ( Account # XXXX ) Key Issues : Contradictory reporting ( Closed status but indicating Late 120 Days ). 
Inconsistent dates ( delinquency pre-dates the account opening ). 
Atypical {$0.00} limit and $ 0 monthly payment but a {$550.00} past due balance. 
Requested Action : Immediate removal of the erroneous account, an investigation, and an updated credit report. 
XXXX XXXX XXXX ( Account # XXXX ) ** Key Issues : Derogatory status conflicts with recent OK payment notation. 
First delinquency reported prior to the stated account opening date. 
Missing scheduled payment amount and contradictory data ( $ 0 monthly payment with a past due balance ). 
Requested Action : Removal of the account due to irreconcilable inconsistencies, full investigation, and an updated report. 
XXXX ( XXXX XXXX XXXX ) ( Account # XXXX ) ** Key Issues : Marked Derogatory despite recent months listed as OK. 
First delinquency date occurs months before the stated account opening date. 
$ 0 monthly payment yet a {$940.00} past due balance. 
Missing critical payment information. 
Requested Action : Immediate deletion of this account, investigation of inaccuracies, and an updated credit report.

Nature of the Violations FCRA Section 611 ( a ) Failure to Investigate Equifax has not conducted proper investigations within the 30-day timeframe required by law, despite multiple dispute letters and clear evidence of inaccuracies.

FCRA Section 623 ( a ) Accuracy & Integrity of Information Equifax continues to report contradictory, incomplete, or blatantly impossible data ( e.g., first delinquencies predating account openings ).

FCRA Section 609 ( a ) ( 1 ) Right to Information Equifax has not provided sufficient details or corrected false information, impeding my right to verify all data in my credit file.

Legal Precedent Crawford v. Equifax Information Services LLC ( 2021 ) Highlights Equifaxs duty to ensure data accuracy and to remove erroneous data once verified as such.

Smith v. Experian Information Solutions , Inc. ( 2020 ) Emphasizes the requirement for credit bureaus to correct conflicting information that unfairly harms consumer credit scores.

Johnson v. TransUnion LLC ( 2019 ) Reinforces bureaus obligation to maintain precise and consistent reporting and to correct known inaccuracies promptly.

Requested Resolution Immediate Removal of Inaccurate Accounts Remove each of the disputed tradelines ( XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX ) that contain verifiable errors and contradictory dates. 

XXXX XXXX XXXX a detailed investigation for each disputed account and provide me with documentation or proof validating the accuracy of any remaining information. 

Updated Credit Report Provide an updated credit report reflecting the deletions or corrections made as a result of this complaint. 

Notification to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX of these disputes and confirm that they have verified the accuracy of the reported information. 

Compliance with FCRA Comply fully with all FCRA provisions, ensuring the timely and accurate reporting of consumer information and preventing further harm to my credit file. 

Conclusion Equifaxs ongoing failure to investigate and correct these significant inconsistencies constitutes a breach of my consumer rights under the FCRA. I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to intervene and compel Equifax to remove the inaccurate accounts, update my credit report accordingly, and enforce compliance with federal credit reporting laws. 

I appreciate your prompt attention to this matter. Should Equifax not resolve these inaccuracies within the legally mandated timeframe, I will pursue all available remedies under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX XXXX