Consumer complaint received 2024-08-11
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. (OH)

Re : Formal Dispute Letter for Immediate Removal of Inaccurate Accounts To Whom It May Concern, I am writing to formally dispute the following inaccurate information that appears on my credit report. I have thoroughly reviewed my credit report and have found multiple discrepancies and unverified accounts that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate reinvestigation of these items and immediate removal from my credit report. 

The details of the disputed items are as follows : XXXX. XXXX XXXX XXXX - Account # : XXXX - Balance : {$170.00} - This account lacks a conspicuously listed address as required under FCRA Section 623 ; therefore, it can not legally be reported. Remove this immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account # : XXXX - This account was reported without valid evidence in violation of FCRA 15 U.S.C. 1681i ( 7 ). Please remove it immediately. 

XXXX. XXXX XXXX - Account # : XXXX - Balance : {$1900.00} - Reported without valid verification in violation of FCRA 15 U.S.C. 1681i ( 7 ). Immediate removal is demanded. 

XXXX. XXXX - Account # : XXXX - Balance : {$780.00} - No documentation has been provided to verify this collection account. Remove it immediately. 

XXXX. XXXX - Account # : XXXX - Balance : {$0.00} - There is no evidence justifying the reporting of this account. Immediate removal is requested. 

XXXX. XXXX XXXX XXXX XXXX - Account # : XXXX - Balance : {$1600.00} - Information found to be inaccurate or unverifiable must be deleted as per 15 U.S.C. 1681i ( 5 ). Take prompt action to correct my file. 

XXXX. XXXX XXXX XXXX - Account # : XXXX - Balance : {$290.00} & {$0.00} respectively - These accounts are not recognized by me and I have received no communication regarding them. They must be removed without delay. And both have the same account number different balance. 

XXXXXXXX XXXX XXXX XXXX  - Account # : XXXX - Balance : {$310.00} - This debt has not been validated, thus it violates FCRA provisions. Remove it at once. 

XXXX. XXXX XXXX - Account # : XXXX - Balance : {$310.00} - Reported as ID theft to the original creditor. It should not be reported ; remove immediately. 

XXXX. XXXX - Account # : XXXX - XXXX : {$570.00} - I am unfamiliar with this account ; see the attached police report. Please remove it. 

XXXX. XXXX XXXX XXXX - Account # : XXXX - Balance : {$220.00} - Reporting is unsupported by valid evidence, violating FCRA 15 U.S.C. 1681i ( 7 ). Reinvestigate and delete this item. 

XXXX. XXXX XXXX - Account # : XXXX - XXXX : {$110.00} - Lack of a conspicuously listed address necessitates immediate removal of this collection account as per Section 623. 

XXXX. XXXX - Account # : XXXX - Balance : {$610.00} - Reportedly without valid evidence, in violation of FCRA 15 U.S.C. 1681i ( 7 ). Requires removal. 

XXXX - Account # : XXXX - Balance : {$0.00} - As with prior entries, Section 623 mandates removal due to inaccuracies. 

XXXX. XXXX XXXX XXXX - Account # : XXXX - Balance : {$100.00} - A medical collection in violation of 15 US Code 1681a ( 3 ) and must not appear on my credit report. 

The law requires you to respond to my dispute within 30 days of receipt of this letter. If after your investigation, any of the above-listed items can not be verified or are found to be inaccurate, they must be corrected or deleted immediately. 
If you require further documentation to assist in your investigation, please contact me promptly so that I may provide it. I expect to hear back from you with the results of your investigation. 

Thank you for your prompt attention to these serious concerns. 

Sincerely, Attachments : police reports, ID, Proof address, SSN, Dispute letter