Consumer complaint received 2024-06-20
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. Please remove this inaccurate information from my credit report XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX  Account Number XXXX Please remove it from my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX  Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX  Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX  XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX  XXXX Account Number XXXX In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX