Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute several inaccuracies on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). I also request the removal of all reported late payments associated with the accounts listed below. Please investigate and correct the following issues : XXXX. Negative Accounts Disputes XXXX  ) XXXX XXXX XXXX  XXXX XXXX Account : XXXX ) - Balance : {$3900.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Current balance incorrect ) XXXX  ) XXXX XXXX ( Account : XXXX ) - Balance : {$2100.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Never late ) - XXXX ( Current balance incorrect ) XXXX  ) XXXX XXXX  ( Account : XXXX ) - Balance : {$2200.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Current balance incorrect ) XXXX  ) XXXX XXXX XXXX  ( Account : XXXX  ) - Balance : {$65.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Balance incorrect ) XXXX ) XXXX XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$330.00} - Late Payment Amount : {$100.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Balance incorrect ) XXXX  ) XXXX XXXX XXXX  ( Account : XXXX ) - Balance : {$12000.00} - Late Payment Amount : {$300.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Account closed with balance remaining ) - XXXX ( Information incorrect ) XXXX  ) XXXX XXXXL XXXX  ( Account : XXXX ) - Balance : {$0.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Unpaid balance reported as a loss ) - XXXX ( Never late ) XXXX  ) XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$0.00} - Late Payment Amount : {$50.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not responsible for this account ) - XXXX ( Balance incorrect ) XXXX  ) XXXX XXXX XXXX ( Account : XXXX ) - Balance : {$8700.00} - Late Payment Amount : {$300.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Belongs to another individual with a similar name/address ) - XXXX ( Account closed ) XXXX  ) XXXX XXXX ( Account : XXXX ) - Balance : {$5200.00} - Late Payment Amount : {$300.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Belongs to another individual with a similar name/address ) - XXXX ( Account closed ) XXXX  ) XXXX XXXX XXXXXXXX ( Account : XXXX ) - Balance : {$4000.00} - Late Payment Amount : {$100.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Dispute investigation incomplete or not received ) XXXX  ) XXXX  XXXX, XXXX ( Account : XXXX ) - Balance : {$3200.00} - Late Payment Amount : {$300.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Belongs to another individual with a similar name/address ) - XXXX ( Account closed ) XXXX  ) XXXX XXXX ( Account : XXXX ) - Balance : {$1100.00} - Late Payment Amount : {$150.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Creditor agreed to delete ) XXXX ) XXXX  XXXX  ( Account : XXXX ) - Balance : {$990.00} - Late Payment Amount : {$100.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Account paid in full ) - XXXX ( Balance incorrect ) XXXX  ) XXXX XXXX XXXX  ( Account : [ if available ] ) - Balance : {$240.00} - Request : Remove all late payments - Dispute Codes : - XXXX ( Not mine or I'm not liable for this account ) - XXXX ( Balance incorrect ) For all accounts listed above, I assert the following FCRA Violations : - 1681i ( a ) ( 1 ) : Failure to conduct a reasonable investigation - 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information - 1681s-2 ( b ) : Failure to investigate upon receiving notice of dispute 2. Address Removal Request I request the immediate removal of all addresses associated with my credit file except for : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX All other addresses are incorrect and must be removed immediately. 

FCRA Violation : - 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy