Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Dispute Under FCRA Request for Investigation and Deletion Dear CFPB, This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding inaccurate or unverifiable information being reported on my consumer credit file. I request a thorough investigation and immediate removal or correction of the items detailed below.

1. Inaccurate Late Payments The following accounts are reporting late payments that I dispute as inaccurate or unverified. I am requesting verification or removal under FCRA 1681i ( a ) : Creditor Name : [ e.g., XXXX XXXXXXXX ] Account Number : [ XXXX ] Date ( XXXX ) Reported Late : [ e.g., XX/XX/XXXX, XX/XX/XXXX ] Dispute Reason : [ e.g., Paid on time ; never late ; request validation or deletion ] 2. Inaccurate Personal Information Under FCRA 1681g ( a ) ( 1 ) and 1681e ( b ), I request that you remove or correct the following inaccurate personal information which does not belong to me or is outdated : Incorrect Name ( s ) : [ e.g., XXXX XXXX XXXX my legal name is XXXX XXXX ] Incorrect Addresses : [ List addresses you never lived at ] Wrong Employers : [ List any not associated with your work history ] Wrong Date of Birth/Social Security Variations : [ If applicable ] These inaccuracies may result in misattribution of negative data, and as held in XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), bureaus must ensure maximum possible accuracy. 

3. Accounts Requiring Validation or Removal The following accounts are being reported and I dispute their accuracy, ownership, or the manner in which they are being reported : Creditor Name : [ e.g., XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason for Dispute : [ e.g., Never opened this account ; account paid in full ; amount incorrect ; account belongs to another consumer ] Per FCRA 1681i ( a ) ( 1 ) ( A ), you are required to investigate and remove unverifiable accounts. Also, under 1681s-2 ( b ), furnishers of information must conduct a reasonable investigation and report corrections to all CRAs.

4. Hard Inquiries Requiring Permissible Purpose or Removal Legal Authority and Request In accordance with FCRA 1681i ( a ), you are obligated to complete the investigation within 30 days of receipt of this notice. If you determine the information to be inaccurate or unverifiable, it must be promptly deleted from my file and all parties ( including furnishers ) notified under 1681i ( a ) ( 5 ) ( A ). 

Additionally, FCRA 1681i ( d ) requires that you provide a description of the procedure used during your reinvestigation and FCRA 1681g requires that I be provided a free updated credit report if changes occur as a result of this dispute.

Enclosures : Copy of Government-Issued ID Proof of Address ( utility bill, bank statement, etc. ) Supporting documentation ( if any ) Please respond in writing to confirm receipt of this dispute and notify me of the results. Should you fail to comply, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further action under FCRA 1681n and 1681o for willful Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation