Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC [ XXXX XXXX XXXX, XXXX XXXX GA XXXX ] Dispute of Inaccurate Information on Accounts - XXXX XXXX XXXX , Last 4 of SSN : [ XXXX ] Dear Equifax Consumer Relations Department, I am writing to formally dispute inaccurate and inconsistent information on my credit report dated XX/XX/XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). The presence of inaccurate and inconsistent information may constitute a violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. Furthermore, any failure to properly investigate and correct disputed information may constitute a violation of FCRA 611 ( 15 U.S.C. 1681i ).

The following accounts contain inaccurate, incomplete, or unverifiable information. I request their prompt investigation and correction or removal of the inaccurate data : 1. Account Name : XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Reports : * High Balance : {$0.00} * Date of Last Activity : XX/XX/XXXX * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report shows a High Balance of {$0.00}, which contradicts TransUnion ( {$7900.00} ) and Experian ( {$8200.00} ). The " Date Reported '' ( XX/XX/XXXX ) is inconsistent with TransUnion ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) and appears to be a future date relative to the credit report 's date of XX/XX/XXXX. The " Date of Last Activity '' is also inconsistent with other bureaus. 
2. Account Name : XXXX  ( Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Equifax Reports : * High Balance : {$0.00} * Account Status : Account disputed * Dispute Reason : Your report states " Account disputed, '' which contradicts TransUnion and Experian 's reports, both of which state " Account not disputed. '' This direct contradiction regarding the dispute status is a significant inconsistency that must be corrected immediately. Your report also lists a High Balance of {$0.00}, while TransUnion and Experian list {$75.00}.

3. Account Name : XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Reports : * High Balance : {$0.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report shows a High Balance of {$0.00}, which contradicts TransUnion and Experian ( {$10000.00} ). The " Date Reported '' ( XX/XX/XXXX ) is inconsistent with TransUnion ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) and appears to be a future date relative to the credit report 's date of XX/XX/XXXX. 
4. Account Name : XXXX XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Reports : * High Balance : {$0.00} * Account Status : Closed * Payment Status : Unknown * Dispute Reason : Your report lists a High Balance of {$0.00}, which contradicts TransUnion and Experian ( {$19000.00} ). Your report lists " Unknown '' for Payment Status, which contradicts Experian 's " Collection/Chargeoff '' and TransUnion 's `` Current. '' TransUnion also lists this account as " Open '' while your report states " Closed. '' These fundamental discrepancies must be corrected.

5. Account Name : XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Reports : * High Balance : {$0.00} * Balance Owed : {$61.00} * Last Payment : XX/XX/XXXX * Dispute Reason : Your report shows a High Balance of {$0.00}, which contradicts TransUnion and Experian ( {$1800.00} ). Your report also shows a Balance Owed of {$61.00}, while TransUnion and Experian report {$0.00}. The " Last Payment '' date ( XX/XX/XXXX ) is inconsistent with TransUnion ( XX/XX/XXXX ) and is missing from Experian. 
6. Account Name : XXXX XXXX  ( Revolving Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Reports : * High Balance : {$0.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report shows a High Balance of {$0.00}, which contradicts TransUnion ( {$2900.00} ) and Experian ( {$2900.00} ). The " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with TransUnion ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Experian ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). The dates also appear to be future dates relative to the credit report 's date of XX/XX/XXXX. 
7. Account Name : XXXX XXXX  ( Revolving Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Reports : * High Balance : {$0.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report shows a High Balance of {$0.00}, which contradicts TransUnion ( {$1500.00} ) and Experian ( {$1500.00} ). The " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with TransUnion ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Experian ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). The dates also appear to be future dates relative to the credit report 's date of XX/XX/XXXX. 
8. Account Name : XXXX XXXX  ( Loan Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Reports : * High Balance : {$0.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report shows a High Balance of {$0.00}, which contradicts TransUnion ( {$4600.00} ) and Experian ( {$4600.00} ). The " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with TransUnion ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Experian ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). The dates also appear to be future dates relative to the credit report 's date of XX/XX/XXXX. 
9. Account Name : XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Equifax shows different last 4 digits than TransUnion/Experian ) * Equifax Reports : * High Balance : {$0.00} * Last Verified : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXX * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report shows a High Balance of {$0.00}, which contradicts TransUnion ( {$12000.00} ) and Experian ( {$12000.00} ). Dates for " Last Verified '' ( XX/XX/XXXX ), " Date of Last Activity '' ( XX/XX/XXXX ), and " Date Reported '' ( XX/XX/XXXX ) are highly inconsistent with other bureaus. 
10. Account Name : XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax shows different last 4 digits than TransUnion/Experian ) * Equifax Reports : * High Balance : LIL * Last Verified : N/A ( Not Listed ) * Date of Last Activity : XX/XX/XXXX * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report High Balance, which is an invalid entry. TransUnion and Experian report {$8800.00}. Your report is also missing a " Last Verified '' date and has inconsistent " Date of Last Activity '' and " Date Reported '' compared to other bureaus. 
I have attached copies of relevant sections of my credit report highlighting these inaccuracies. 
Please conduct a full reinvestigation of these items as required by the FCRA and promptly remove or correct all inaccurate, incomplete, or unverifiable information from my credit file. I request written notification of the results of your reinvestigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions [ XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information on Accounts - XXXX XXXX XXXX , Last 4 of SSN : ( XXXX ) Dear TransUnion Consumer Relations Department, I am writing to formally dispute inaccurate and inconsistent information on my credit report dated XX/XX/XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). The presence of inaccurate and inconsistent information may constitute a violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. Furthermore, any failure to properly investigate and correct disputed information may constitute a violation of FCRA 611 ( 15 U.S.C. 1681i ).

The following accounts contain inaccurate, incomplete, or unverifiable information. I request their prompt investigation and correction or removal of the inaccurate data : 1. Account Name : XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Reports : * High Balance : {$7900.00} * Date of Last Activity : XX/XX/XXXX * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : The " Date of Last Activity '' and " Date Reported '' are inconsistent with Experian ( Last Activity : XX/XX/XXXX, Reported : XX/XX/XXXX ) and Equifax ( Last Activity : XX/XX/XXXX, Reported : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00} for this account. These discrepancies indicate inaccurate or incomplete reporting.

2. Account Name : XXXX  ( Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Reports : * High Balance : {$75.00} * Account Status : Account not disputed * Dispute Reason : Your report shows this account as " Account not disputed, '' which contradicts Equifax 's report that states " Account disputed. '' The dispute status must be accurate and consistent across all reports. Equifax also reports a High Balance of {$0.00} for this account.

3. Account Name : XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Reports : * High Balance : {$10000.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : The " Date Reported '' ( XX/XX/XXXX ) is inconsistent with Equifax ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ). Experian also does not list a Last Payment Date, creating an inconsistency. Equifax reports a High Balance of {$0.00} for this account.

4. Account Name : XXXX XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Reports : * High Balance : {$19000.00} * Account Status : Open * Payment Status : Current * Dispute Reason : Your report lists this account as " Open '' and " Current, '' which directly contradicts Experian and Equifax, both of which report this account as " Closed '' and Experian reports " Collection/Chargeoff. '' The account and payment status must be accurate and consistent, especially given bankruptcy reporting. 
5. Account Name : XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Reports : * High Balance : {$1800.00} * Balance Owed : {$0.00} * Last Payment : XX/XX/XXXX * Dispute Reason : Your report shows " Last Payment : XX/XX/XXXX, '' which is inconsistent with Equifax ( XX/XX/XXXX ) and Experian ( not provided ). Equifax also reports a balance owed of {$61.00}, while your report shows {$0.00}. 
6. Account Name : XXXX XXXX   ( Revolving Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Reports : * High Balance : {$2900.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report 's " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with Experian ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Equifax ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00}.

7. Account Name : XXXX XXXX  ( Revolving Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Reports : * High Balance : {$1500.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report 's " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with Experian ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Equifax ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00}.

8. Account Name : XXXX XXXX  ( Loan Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Reports : * High Balance : {$4600.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report 's " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with Experian ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Equifax ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00}.

9. Account Name : XXXX XXXX * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion Reports : * High Balance : {$12000.00} * Last Verified : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXX * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report 's dates are inconsistent with Experian ( Last Verified : XX/XX/XXXX ; Last Activity : XX/XX/XXXX ; Reported : XX/XX/XXXX ) and Equifax ( Last Verified : XX/XX/XXXX ; Last Activity : XX/XX/XXXX ; Reported : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00}. Experian reports " Collection/Chargeoff '' for Payment Status, while yours is " Unknown. '' 10. Account Name : XXXX * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Reports : * High Balance : {$8800.00} * Last Verified : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXX * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report 's dates are inconsistent with Experian ( Last Verified : XX/XX/XXXX ; Reported : XX/XX/XXXX ) and Equifax ( Last Activity : XX/XX/XXXX ; Reported : XX/XX/XXXX ). Equifax reports a High Balance as " LIL, '' which is an invalid entry. Experian reports " Collection/Chargeoff '' for Payment Status, while yours is " Unknown. '' I have attached copies of relevant sections of my credit report highlighting these inaccuracies.

Please conduct a full reinvestigation of these items as required by the FCRA and promptly remove or correct all inaccurate, incomplete, or unverifiable information from my credit file. I request written notification of the results of your reinvestigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Experian [ XXXX XXXX XXXX  XXXX XXXX TX XXXX ] Dispute of Inaccurate Information on Accounts - XXXX XXXX XXXX , LAST 4 of SSN : [ XXXX ] Dear Experian Consumer Relations Department, I am writing to formally dispute inaccurate and inconsistent information on my credit report dated XX/XX/XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). The presence of inaccurate and inconsistent information may constitute a violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. Furthermore, any failure to properly investigate and correct disputed information may constitute a violation of FCRA 611 ( 15 U.S.C. 1681i ).

The following accounts contain inaccurate, incomplete, or unverifiable information. I request their prompt investigation and correction or removal of the inaccurate data : 1. Account Name : XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Experian Reports : * High Balance : {$8200.00} * Date of Last Activity : XX/XX/XXXX * Date Reported : XX/XX/XXXX * Last Payment : N/A ( Not Listed ) * Dispute Reason : The " Date of Last Activity '' and " Date Reported '' are inconsistent with TransUnion ( Last Activity : XX/XX/XXXX, Reported : XX/XX/XXXX ) and Equifax ( Last Activity : XX/XX/XXXX, Reported : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00} for this account, and TransUnion/Equifax list a Last Payment Date, which is missing from your report.

2. Account Name : XXXX  ( Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Reports : * High Balance : {$75.00} * Account Status : Account not disputed * Dispute Reason : Your report shows this account as " Account not disputed, '' which contradicts Equifax 's report that states " Account disputed. '' The dispute status must be accurate and consistent across all reports. Equifax also reports a High Balance of {$0.00} for this account.

3. Account Name : XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Reports : * High Balance : {$10000.00} * Date Reported : XX/XX/XXXX * Last Payment : N/A ( Not Listed ) * Dispute Reason : The " Date Reported '' ( XX/XX/XXXX ) is inconsistent with TransUnion ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ) XXXX TransUnion and Equifax list a Last Payment Date, which is missing from your report. Equifax reports a High Balance of {$0.00} for this account.

4. Account Name : XXXX XXXX XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Reports : * High Balance : {$19000.00} * Account Status : Closed * Payment Status : Collection/Chargeoff * Dispute Reason : Your report lists " Collection/Chargeoff '' for Payment Status, which contradicts TransUnion 's report that states " Current. '' TransUnion also lists this account as " Open '' while your report states " Closed. '' The account and payment status must be accurate and consistent, especially given bankruptcy reporting.

5. Account Name : XXXX XXXX * Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Reports : * High Balance : {$1800.00} * Balance Owed : {$0.00} * Last Payment : N/A ( Not Listed ) * Dispute Reason : Your report does not provide a " Last Payment '' date, while TransUnion ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ) do. Equifax also reports a balance owed of {$61.00}, while your report shows {$0.00}. 
6. Account Name : XXXX XXXX  ( Revolving Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Reports : * High Balance : {$2900.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report 's " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with TransUnion ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Equifax ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00}.

7. Account Name : XXXX XXXX  ( Revolving Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Reports : * High Balance : {$1500.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report 's " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with TransUnion ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Equifax ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00}.

8. Account Name : XXXX XXXX  ( Loan Account ending in XXXX ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Reports : * High Balance : {$4600.00} * Date Reported : XX/XX/XXXX * Last Payment : XX/XX/XXXX * Dispute Reason : Your report 's " Date Reported '' ( XX/XX/XXXX ) and " Last Payment '' ( XX/XX/XXXX ) are inconsistent with TransUnion ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) and Equifax ( Date Reported : XX/XX/XXXX, Last Payment : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00}.

9. Account Name : XXXX XXXX * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian Reports : * High Balance : {$12000.00} * Last Verified : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXX * Date Reported : XX/XX/XXXX * Payment Status : Collection/Chargeoff * Last Payment : N/A ( Not Listed ) * Dispute Reason : Your report 's dates are inconsistent with TransUnion ( Last Verified : XX/XX/XXXX ; Last Activity : XX/XX/XXXX ; Reported : XX/XX/XXXX ) and Equifax ( Last Verified XXXX XX/XX/XXXX ; Last Activity : XX/XX/XXXX ; Reported : XX/XX/XXXX ). Equifax also reports a High Balance of {$0.00}. Your report is missing a Last Payment Date, which is present on TransUnion and Equifax.

10. Account Name : XXXX * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian Reports : * High Balance : {$8800.00} * Last Verified : XX/XX/XXXX * Date of Last Activity : N/A ( Not Listed ) * Date Reported : XX/XX/XXXX * Payment Status : Collection/Chargeoff * Last Payment : N/A ( Not Listed ) * Dispute Reason : Your report is missing a " Date of Last Activity '' and " Last Payment '' date, which are provided by TransUnion and Equifax. Your report 's dates are inconsistent with TransUnion ( Last Verified : XX/XX/XXXX ; Reported : XX/XX/XXXX ) and Equifax ( Last Activity : XX/XX/XXXX ; Reported : XX/XX/XXXX ). Equifax also reports a High Balance as " LIL, '' which is an invalid entry.

I have attached copies of relevant sections of my credit report highlighting these inaccuracies. Please conduct a full reinvestigation of these items as required by the FCRA and promptly remove or correct all inaccurate, incomplete, or unverifiable information from my credit file. I request written notification of the results of your reinvestigation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief