Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, XXXX, / XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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, any and 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 a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Comments : Contact Info : XXXX XXXX XXXX - Debt Buyer XX/XX/XXXX Collection account. {$2300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2300.00} XX/XX/XXXX 0 % {$2300.00} {$2300.00} 1 Month Individual XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Comments : Contact Info : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX 
- Debt Buyer XXXX XXXX XXXX Collection account. {$920.00} past due as of XXXX XXXX 
XX/XX/XXXX {$920.00} XX/XX/XXXX 0 % {$920.00} {$920.00} 1 Month Individual XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Comments : Contact Info : XXXX XXXX XXXX XXXX XXXX, TX XXXX Utility XX/XX/XXXX Closed Collection account. {$95.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$95.00} XX/XX/XXXX XX/XX/XXXX {$95.00} - 1 Month Individual XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Comments : Credit card XX/XX/XXXX Closed Account charged off. {$760.00} written off. {$760.00} past due as of XX/XX/XXXX. 
XXXX XXXX 127 % {$760.00} XX/XX/XXXX {$600.00} {$760.00} {$760.00} Individual XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XXXX XXXX XXXX Closed Account charged off. {$600.00} written off. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX 120 % {$600.00} XX/XX/XXXX XXXX XXXX XXXX {$500.00} {$600.00} {$610.00} Individual