Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am writing to formally dispute several charge-off accounts and hard inquiries listed on my credit reports with both XXXX and Equifax due to negligence and noncompliance. The following accounts listed below have already been deleted from my credit report by XXXX, and MUST be deleted from XXXX and Equifax as well. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 1681n, both XXXX and Equifax are legally required to ensure that the information reported on my credit file is accurate, complete, and up-to-date. Since XXXX has removed these charge-off accounts and hard inquiries from my credit report, XXXX and Equifax must do the same and promptly delete these erroneous accounts. 

The following accounts that must be removed from my credit reports on XXXX and Equifax immediately are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is negligent and non-compliant for both XXXX and Equifax to continue reporting this inaccurate information. In compliance with the Fair Credit Reporting Act, these accounts must be removed immediately. 

In addition, the following hard inquiries have been removed from my XXXX credit report and must also be removed from my XXXX and Equifax reports : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly contacted both XXXX and Equifax regarding these discrepancies , yet these credit reporting agencies have refused to acknowledge or remove the inaccurate information from my credit reports. This is a clear violation of the Fair Credit Reporting Act, including the continuous reporting of " CO '' for charged-off accounts and the improper extension of the seven-year reporting period for these accounts to be dropped from my report. 

Furthermore, the reporting of incorrect credit limits on charged-off accounts is also a violation of consumer law. The continued presence of these accounts on my credit reports despite their removal from my XXXX report is due to negligence and non-compliance. 

I have attached copies of my personal documents to verify my identity, along with screenshots of these violations in XXXX format, and my most up to date Credit Reports from all three Credit Reporting Agencies. 

Please, for the last time, remove these negligent and non-compliant accounts and hard inquiries from my credit reports immediately. I expect to receive written confirmation of their removal within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX