Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Credit Reports is Attached I am writing to formally dispute the following inaccurate information on my credit report : Personal Information Discrepancies Incorrect Previous Address Inconsistent Reporting Across Bureaus Account : XXXX XXXX XXXX Issue : XXXX lists the status as " Paid '' while Equifax and XXXX list it as " Derogatory. '' Inconsistent Reporting Across Bureaus Account : XXXX Issue : XXXX lists the status as " Paid '' while Equifax and XXXX list it as " Derogatory. '' Inconsistent Reporting Across Bureaus Account : XXXX Issue : XXXX lists the status as " Paid '' while Equifax and XXXX list XXXX as " Derogatory. '' Please investigate and delete from my credit report. 
Inconsistent Reporting Across Bureaus Account : XXXXXXXX XXXX XXXX : XXXX lists the status as " Paid '' while Equifax and XXXX list it as " Derogatory. '' THIS ACCOUNT IS NOT XXXX XXXX ACCURATE. THAT IN ITSELF IS GROUNDS FOR IMMEDIATE REMOVAL PER FCRA AND FDCPA LAWS. 
Inconsistent Reporting Across Bureaus Account : XXXX XXXXXXXX XXXX Issue : XXXX lists the status as " Paid '' while Equifax and XXXX list it as " Derogatory. '' THIS ACCOUNT IS NOT XXXX XXXX ACCURATE. THAT IN ITSELF IS GROUNDS FOR IMMEDIATE REMOVAL PER FCRA AND FDCPA LAWS. 
Inconsistent Reporting Across Bureaus Account : XXXXXXXX XXXX XXXX XXXX Issue : XXXX lists the status as " Paid '' while Equifax and XXXX list it as " Derogatory. '' As a consumer, by law, this account must be deleted immediately. 
Inconsistent Reporting Across Bureaus Account : XXXX XXXX XXXX XXXX XXXX : XXXX lists the status as " Paid '' while Equifax and XXXX list it as " Derogatory. '' Please investigate and delete from my credit report. 
Inconsistent Reporting Across Bureaus Account : XXXX XXXX XXXX Issue : XXXX lists the status as " Paid '' while Equifax and XXXX list it as " Derogatory. '' Please investigate and delete from my credit report. 
Inconsistent Reporting Across Bureaus Account : XXXX XXXX XXXX XXXX XXXX Issue : XXXX lists the status as " Paid '' while Equifax and XXXX list it as " Derogatory. '' Please investigate and delete from my credit report. 
Account Validation Request Account : XXXX XXXX I want you to verify and validate the accuracy of this account. If not, please DELETE. THIS ACCOUNT IS NOT XXXX XXXX ACCURATE. THAT IN ITSELF IS GROUNDS FOR IMMEDIATE REMOVAL PER FCRA AND FDCPA LAWS. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C. XXXX ), and the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. On [ date ], I submitted a request for the validation and verification of the above-mentioned accounts. 
As stipulated by the FCRA, credit reporting agencies are required to investigate disputed information and resolve the dispute within XXXX days ( or XXXX  days if the dispute is based on a free annual credit report ). However, it has been over XXXX  days since my initial request, and I have not received any validation or verification of these accounts. 
Because the credit reporting agency has failed to provide the requested validation and verification within the required timeframe, the continued reporting of these accounts is a violation of my rights under the FCRA. Additionally, these accounts have not been verified as accurate, complete, or legally collectible, and therefore must be removed from my credit report immediately. 
Additionally, as per my rights under Section XXXX of the FCRA ( 15 U.S.C. 1681c-2 ), I request a temporary freeze on my credit report/accounts during the investigation of these disputes. 
I respectfully request that you delete the above-mentioned inaccurate and unverifiable information from my credit report as required by law. Please send me an updated copy of my credit report showing that these items have been removed. 

The FCRA is a federal law that regulates how consumer credit information is collected, accessed, used, and shared. It is designed to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Key provisions of the FCRA that protect your rights include : Accuracy and Privacy of Information : Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. If you dispute the accuracy of information in your report, the agency must investigate unless your dispute is frivolous. 
Consumer 's Right to Dispute : XXXX XXXX XXXX of the FCRA ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate or incomplete information. The XXXX XXXX XXXX must investigate the dispute within XXXX days ( XXXX days if the dispute is based on a free annual credit report ) and correct or delete any information that is found to be inaccurate or can not be verified. 
Reinvestigation Requirements : If the disputed information is found to be inaccurate or unverifiable, the credit reporting agency must correct or delete it promptly. If they fail to do so within the stipulated timeframe, they are in violation of the FCRA. 
Fair Debt Collection Practices Act ( FDCPA ) The FDCPA is designed to eliminate abusive practices in the collection of consumer debts and to promote fair debt collection. Key provisions of the FDCPA include : Validation of Debts : Under Section XXXX of the FDCPA ( 15 U.S.C. 1692g ), debt XXXX must provide validation of the debt. This includes providing the amount of the debt, the name of the creditor, and a statement of the consumer 's right to dispute the debt within 30 days. 

Prohibition of False or Misleading Representations : Debt XXXX XXXX not use false, deceptive, or misleading representations in connection with the collection of any debt. 
Prohibition of Unfair Practices : Debt XXXX are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt.