Consumer complaint received 2025-10-28 00:00:00
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.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Last XXXX ) : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Information Reported to Credit Bureaus Pursuant to the Fair Credit Reporting Act ( FCRA 609 ( a ), 611 ( a ) ) Dear Consumer Financial Protection Bureau, I am submitting this formal dispute regarding inaccurate, outdated, or unverifiable items currently appearing on my consumer credit reports with Experian, TransUnion, and Equifax. Under the Fair Credit Reporting Act, I am entitled to fair, accurate, and verifiable credit reporting. This correspondence requests immediate investigation, verification, and deletion or correction of the following accounts. 

EXPERIAN XXXX. XXXX XXXX XXXX Account # XXXX Date Opened : XXXX Updated : XX/XX/XXXX Reason for Dispute : Account reports multiple late payments ( XX/XX/XXXX days ) that I dispute as inaccurate. The recorded dates and amounts do not reflect my verified payment history or lease status. Please verify with original payment records or delete if unverifiable. 

XXXX. XXXX Account # XXX Date Opened : XXXX Updated : XX/XX/XXXX Reason for Dispute : Reported over-limit usage ( XXXX XXXX  ) and past-due amount not consistent with original agreement. Request verification or correction to accurately reflect status. 

XXXX. XXXX ( Several Student Loan Accounts # XXXX ) Dates Opened : XX/XX/XXXX XX/XX/XXXX Reason for Dispute : All XXXX accounts show historical XXXX lates while in deferment status. These entries are factually inaccurate and should be removed or corrected to current/deferred. 

XXXX. Collections Accounts ( Listed XXXX : XXXX ) Reason for Dispute : Several collections are duplicate or do not belong to me. No supporting documentation from original creditor has been provided. Please verify each collection or delete immediately if unverifiable. 

TRANSUNION XXXX. XXXX XXXX XXXX Account # XXXX * * Date Opened : XXXX : XXXX  Days Past Due Reason for Dispute : Delinquency reported incorrectly. Proof of payment exists showing account was paid within grace period. Request update to Paid/Current. 

XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XXXX : XX/XX/XXXX Reason for Dispute : Reported as XXXX  days past due after closure and paid off. This is incorrect and damaging to credit score. Request correction or deletion. 

XXXX XXXX XXXX XXXX Account XXXX XXXX * * Date Opened : XXXX : Current Reason for Dispute : Account shows remarks of dispute resolved creditor disagrees, despite no open dispute. Please remove the erroneous remark. 

XXXX XXXX XXXX XXXX Account XXXX XXXX * * Date Opened : XX/XX/XXXX Reason for Dispute : Duplicate reporting across bureaus and minor balance inaccuracies. Request verification and update to reflect accurate balance and limit. 

XXXX. XXXX XXXX XXXX ( duplicate entry ) Reason for Dispute : Appears XXXX  with slightly different dates and balances on TransUnion and Experian. Please remove duplicate entry. 

EQUIFAX XXXX XXXX XXXX XXXX Account XXXX XXXX Date Opened : XXXX : XX/XX/XXXX Reason for Dispute : Shows multiple XX/XX/XXXX day lates in error during period of timely payments. Please correct status to Pays As Agreed. 

* XXXX. XXXX XXXX Account # XXXX Date Opened : XXXXReported : XX/XX/XXXX Reason for Dispute : Marked as 6089 days past due with inaccurate payment data. Request verification or deletion if records can not be substantiated. 

* * XXXX. XXXX XXXX XXXX Account # XXXX and XXXX Reported : XX/XX/XXXX Reason for Dispute : These collection accounts are duplicate and not validated by original creditor. Please delete both if documentation can not be provided. 

* XXXX. XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Listed as collection with no verification of original creditor or signed agreement. Request deletion under FCRA XXXX ( a ). 

* XXXX XXXX XXXX XXXX  Account XXXX XXXX Reported : XX/XX/XXXX Reason for Dispute : Duplicate entry with inconsistent balance and payment dates across bureaus. Please verify accuracy or remove if duplicated. 

LEGAL REQUEST Pursuant to FCRA XXXX ( a ), each credit bureau is required to conduct a reasonable reinvestigation of all disputed information within XXXX  days of receipt of this notice. If the information can not be verified, it must be promptly deleted or corrected. Under FCRA 609 ( a ), I am entitled to a copy of all documents used to verify each account. 

Please provide written confirmation of each deletion or correction upon completion of your investigation. I request that updated credit reports be mailed to me at the address above once all changes are made. 

Thank you for your prompt attention to these matters and for upholding my rights to accurate credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation