Consumer complaint received 2024-10-10
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : High Credit/Credit Limit XXXX XXXX : {$10000.00} / {$7100.00} Equifax : {$10000.00} / {$0.00} XXXX : {$10000.00} / {$0.00} Inaccuracy Noted : There's a discrepancy in the credit limit reported. XXXX lists a credit limit of {$7100.00}, while both Equifax and XXXX show a credit limit of {$0.00}. 
Last Reported : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : Equifax reports the last update almost a month earlier than XXXX and XXXX. 
Comments : XXXX : Charged off as bad debt Equifax : Unpaid balance reported as a loss by the credit XXXX XXXX : Consumer disputes- reinvestigation in progress Inaccuracy Noted : The comments vary significantly, indicating different stages or perspectives on the account 's status. While XXXX and Equifax indicate the account as a loss or bad debt, XXXX notes an ongoing dispute. 
Date of Last Payment : XXXX : XXXX Equifax XXXX XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : There's inconsistency in the date of the last payment. XXXX shows a much earlier date, whereas Equifax shows a significantly later date, which might indicate more recent account activity that isn't reflected in the other reports. 
Date Last Active : XXXX : XXXX Equifax XXXX XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : There is a significant discrepancy in the reported " Date Last Active '' across the three bureaus. XXXX reports a much more recent activity date than XXXX and Equifax Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX