Consumer complaint received 2024-04-07
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. (GA)

ATTN : Equifax Information services Subject : Dispute of Inaccurate Reporting and Outdated account ( XXXX XXXX XXXX XXXX ) pursuant to 15 USC 1681s-2 ( a ) ( 1 ) and 15 USC 1681c ( a ) ( 5 ) of the Fair credit reporting Act. 

I, XXXX XXXX XXXX am writing to dispute a ongoing matter that consist of the accuracy of information contained within my consumer report, specifically pertaining to the account with XXXX XXXX XXXX, with the account number XXXX. Upon reviewing my consumer report, I discovered discrepancies that require immediate attention and resolution. According to Fair Crediting Reporting Act and the Fair Debt Collection Practices Act, consumers have the right to accurate and verifiable information on their credit reports. Unfortunately, the information provided by Equifax regarding the aforementioned account lacks sufficient evidence of verification and accuracy, thereby violating these rules and regulations. I would like to bring to your attention the following concerns : 1 ) Lack of Comprehensive Verification Method : Equifax failed to provide ALL relevant information regarding the method of verification used for the XXXX XXXX XXXX account. There was no clear demonstration of how the accuracy of this account was verified, leaving me without proper justification for its inclusion on my consumer report. 
2 ) Absence of Proof of claim : Despite repeated inquiries, Equifax has not provided any evidence or proof of claim regarding the validity of the XXXX XXXXXXXX XXXX  account. As a consumer, I have the right to request and receive documentation supporting the accuracy of any reported account, yet NO such documentation has been provided. 
3 ) Non-responsive from XXXX XXXX XXXX directly via XXXX certified mail receipt : XXXX XXXX XXXX XXXX XXXX XXXX. 
It is evident that Equifax has failed to uphold its responsibilities in ensuring the accuracy and verification of information reported on my credit file. As a result, I urge you to take immediate action to rectify this situation by : 1 ) Conducting a thorough investigation into the accuracy and verification of the XXXXXXXX XXXX XXXX account. 
2 ) providing me with all relevant documentation and evidence supporting the validity of the account. 
3 ) Deleting the disputed account from consumer report until all sufficient proof of its accuracy is provided. 
4 ) Taking measures to prevent similar inaccuracies from occurring in the future. 

Also, Equifax has violated the Fair Credit Reporting Act by continuing to updated XXXX XXXX XXXX last date of delinquency and/or activity as to extend the required reporting period of 7 years. 

I have provided all proofs of my dispute with this statement. I trust that Equifax will address this matter promptly and in accordance with federal regulations. Failure to do so may retain further action to protect my rights as a consumer. I appreciate your attention to this matter and look forward to a timely resolution.