Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services 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 Formal Dispute of Inaccurate Information on Credit Report Credit Report Number : [ Insert if available ] Dear Sir/Madam, I am writing to formally dispute the inaccurate information that appears on my credit reports issued by both Equifax and XXXX. This dispute is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and related statutes. Below are the specific details of the discrepancies and legal violations I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy : Balance Information According to my Equifax report, the balance on this account is shown as {$7100.00}, with no original balance provided. However, on my XXXX report, the original balance is listed as {$16000.00}. This discrepancy violates my rights under the FCRA to have accurate information reported on my credit report.

Applicable Law : 15 USC 1681e ( b ) This law requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The inconsistency in the original balance violates this requirement. 
15 USC 1681i ( a ) ( 5 ) This section mandates that incorrect or unverifiable information be deleted after investigation. 
Resolution Request : Please investigate this discrepancy and correct the balance information to be consistent across all reports. 

2. Inaccuracy : Payment History XXXX XXXX report lacks any payment history for this account, while my Equifax report shows consistent delinquencies from XXXX XXXX XXXX  The failure to report accurate payment history across both reports is misleading and incorrect. 
Applicable Law : 15 USC 1681i ( a ) ( 1 ) ( A ) This section gives me the right to dispute inaccurate information, and the credit bureau is required to investigate the disputed items. Omitting crucial details like payment history can misrepresent my creditworthiness. 
15 USC 1681e ( b ) This law mandates that credit bureaus follow procedures to ensure maximum accuracy in reporting. Failure to include accurate payment history is a violation. 
Resolution Request : Please update the payment history to reflect accurate information on all reports. 

3. Inaccuracy : Comments/Additional Information My Equifax report states that the account is currently under investigation ( " Consumer Disputes- Reinvestigation in Progress '' ). However, no such note appears on my XXXX report. All credit reports should accurately reflect this status until the investigation is completed. 
Applicable Law : 15 USC 1681i ( a ) ( 2 ) ( A ) This section requires the credit reporting agency to notify the creditor of a dispute within five business days. XXXX failure to reflect the dispute status could constitute a violation of this requirement. 
Resolution Request : Ensure the dispute status is reflected on all reports, and update me on the progress of the investigation. 

Additional Consumer Rights & Requests : Based on 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from alleged identity theft within four business days after receiving notice. I am requesting that the information related to the disputed accounts be blocked within this timeframe, as required by law. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), the credit reporting agency is required to ensure 100 % accuracy of the information being reported. The failure to provide accurate reporting of this account is in direct violation of these statutes.

In accordance with 15 USC 1681, these accounts have violated my federally protected consumer rights to privacy and confidentiality. Specifically : 15 USC 1681 Section 602 ( a ) : I have the right to privacy, and the reporting of inaccurate or unverifiable information violates this right. 
15 USC 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish information on my credit report without my written instructions. 
I am requesting a copy of the original agreement and terms & conditions related to this account. Failure to comply with this request will forfeit your claims and require you to delete all disputed items. 


I am requesting the immediate deletion of the disputed accounts unless you can provide proper verification in compliance with the laws mentioned. Failure to correct these inaccuracies or provide sufficient documentation will result in further action, as I may seek statutory damages of {$1000.00} per account under the FCRA for violations of my rights.

You are required to block these transactions from being reported to my consumer report within four business days from the date of receipt of this notice, as outlined in 15 U.S. Code 1681c-2. 
I look forward to your prompt response and resolution to this matter within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX