Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

write a short letter to cfbb I am writing to formally dispute inaccurate information that appears on my credit report maintained by EQUIFAX. The report contains an entry from " XXXX XXXX  XXXX '' account number XXXX which I believe to be incorrect. 

I have contacted EQUIFAX and requested copies of any documentation associated with this account that bears my signature. Despite my request, I have not received such documentation. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am formally requesting that EQUIFAX delete this inaccurate information from my credit file under my Social Security number. 

The information reported is as follows : The account is missing fields on the paid-off status and balance. 
The account type is reported as open despite the account being closed. 
The payment summary is inaccurate it report collection then Pay the month of XX/XX/year> thenback in collection Balance is incorrect. 
Account number is inaccurate from the XXXX According to 15 U.S.C. 1681i ( a ) ( 5 ) : If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
The consumer reporting agency must also notify the furnisher of the information that it has been modified or deleted. 
Furthermore, under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ), consumer reports are permitted only for the extension of credit, review, or collection of an account in connection with a credit transaction. The reported information does not meet these criteria and is unjustly affecting my creditworthiness. 

I have attached evidence to support my dispute and request that the Consumer Financial Protection Bureau assist in ensuring that XXXX complies with the Fair Credit Reporting Act by removing this erroneous information from my credit report. 

Thank you for your assistance in this matter. 

XXXX [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Maintained by EQUIFAX Dear Sir/Madam, I am writing to formally dispute inaccurate information that appears on my credit report maintained by EQUIFAX. The report contains an entry from " XXXXXXXX XXXX  XXXX, '' account number XXXX, which I believe to be incorrect. 

I have contacted EQUIFAX and requested copies of any documentation associated with this account that bears my signature. Despite my request, I have not received such documentation. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am formally requesting that EQUIFAX delete this inaccurate information from my credit file under my Social Security number. 

The information reported is as follows : The account is missing fields on the paid-off status and balance. 
The account type is reported as open despite the account being closed. 
The payment summary is inaccurate ; it reports collection, then payment in XX/XX/year>, then back in collection. 
The balance is incorrect. 
The account number is inconsistent with that reported by XXXX. 
According to 15 U.S.C. 1681i ( a ) ( 5 ) : If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
The consumer reporting agency must also notify the furnisher of the information that it has been modified or deleted. 
Furthermore, under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ), consumer reports are permitted only for the extension of credit, review, or collection of an account in connection with a credit transaction. The reported information does not meet these criteria and is unjustly affecting my creditworthiness. 

I have attached evidence to support my dispute and request that the Consumer Financial Protection Bureau assist in ensuring that EQUIFAX complies with the Fair Credit Reporting Act by removing this erroneous information from my credit report. 

Thank you for your assistance in this matter. 

Sincerely,