Consumer complaint received 2024-08-07
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. (AR)

I am writing to formally dispute the inaccurate and inconsistent information. The discrepancies and inaccuracies are concerning and require immediate action. I request the immediate deletion of these accounts or, at the very least, the removal of the erroneous late payments. Below, I outline the specific issues and the relevant laws that support my request for accurate reporting and possible compensation for the harm caused by these inaccuracies. 

According to the precedent set in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), it is the responsibility of the credit reporting agency to ensure the accuracy and integrity of the information they report. The failure to do so not only violates the FCRA but may also lead to potential liability for damages. 

Furthermore, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized the importance of a reasonable investigation into disputed information. I believe that the inaccuracies in my report warrant a thorough review and correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report : Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX. 
XXXX Report : Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Date of First Delinquency ; XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX XXXX XXXX XXXX Report : Open Date : XX/XX/XXXX Equifax Report : Open Date : XX/XX/XXXX XXXX XXXX  XXXX Report : Last Payment Made : XX/XX/XXXX XXXX Report : Last Payment Made : XX/XX/XXXX Equifax Report : Last Payment Made : N/A These names, addresses and phone numbers are inaccurate and inconsistent information XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AR XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Equifax Report : XXXX XXXX XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR, XXXX Address ID # XXXX XXXX XXXX XXXX  XXXX XXXX AR, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX AR, XXXX Address ID # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AR, XXXX Address ID # XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I never gave anyone consent to furnish this information therefore you are in violation of the FCRA. 

Filed report with FTC- Reference XXXX