Consumer complaint received 2024-09-13
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. (LA)

I am writing to escalate my dispute of the late payments/charged-off account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Despite multiple previous disputes, this account continues to appear on my credit report as " verified. '' However, I have reason to believe that the information being reported is either inaccurate, incomplete, or unverifiable, and I demand a more thorough investigation as per my rights under the Fair Credit Reporting Act ( FCRA ). 

Dispute History : I disputed the accuracy of this charged-off account, but it was verified without substantial verification or any supporting documentation. I have since filed additional disputes all of which have resulted in the same verification outcome without addressing the inaccuracies I have raised. 

Specific Issues : Failure to Provide Adequate Verification : The FCRA requires that all disputed information be thoroughly investigated and verified. I demand proof that the creditor has provided full and complete documentation to support the charge-off status. Simply verifying this information electronically without validating it with original records is insufficient and violates the FCRA. 

Inaccurate Reporting of Payment History/Balance/Delinquency Date : The information reported regarding the payment history, balance, or delinquency date does not match my records. If these details can not be confirmed by the creditor with supporting evidence, they must be corrected or removed from my credit report. 

Potential FCRA Violation : If the credit bureau or creditor can not provide accurate and complete documentation to verify this charge-off, you are required by law to remove it from my credit report. Continuing to report this inaccurate or unverifiable information may be a violation of my rights under the FCRA.

Action Requested : In light of the ongoing inaccuracies and incomplete verifications, I am formally requesting the following actions be taken immediately : A full re-investigation of this charged-off account, including the provision of concrete, written evidence from the creditor, such as original account documents that prove the accuracy of the reported information. 
Removal of this charged-off account if the investigation reveals that the information is unverifiable, incomplete, or incorrect. 
A detailed written explanation of how this information was verified, including the specific steps taken to investigate my dispute and the documents relied upon for verification. 
Further Action : If this issue is not resolved, I may consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursue legal action for violations of my rights under the FCRA and FDCPA. I trust you will handle this matter promptly and in compliance with federal law. 

Enclosed are copies of relevant documents supporting my dispute, including a copy of my credit report with the disputed account highlighted.