Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XX/XX/XXXX TransUnion credit Bureau XXXX. XXXX XXXX, XXXX, PA XXXX RE : Dispute of Inaccurate InformationSSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of the following items appearing on my credit report dated [ Report Date ]. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. 
ACCOUNTS IN DISPUTE : XXXX. XXXX XXXX - Account # XXXX Dispute Reason : This account shows Placed for collection but lacks proper validation. Please provide : Original signed contract or agreement Chain of title documentation showing legal right to collect Verification that all procedural requirements under FCRA 1681s-2 ( b ) were met Documentation of how this account was verified with the original creditor XXXX. XXXX - Account # XXXX Dispute Reason : Account shows Account information disputed by consumer yet remains on report. Please provide : Complete verification of this debt including original creditor information Documentation proving this account belongs to me Proof of compliance with FCRA verification procedures 3. US DEPT ED - Account # XXXX Dispute Reason : Shows Payment deferred status but balance increased from {$750.00} to {$990.00}. Please verify : How this balance was calculated and verified Documentation supporting the balance increase Proof that proper procedures were followed per FCRA 1681s-2 XXXX. XXXXXXXX XXXX - Account # XXXX Dispute Reason : Shows disputed status yet remains on report. Please provide : Original lending agreement with my signature Complete payment history and calculation of current balance Verification that this account was properly validated with original creditor LEGAL BASIS FOR DISPUTES : Under FCRA 1681i ( a ) ( 1 ) ( A ), you must conduct a reasonable investigation of each disputed item within 30 days. This investigation must include contacting the furnisher of the information and reviewing all relevant information provided by the consumer.

Per FCRA 1681i ( a ) ( 5 ) ( A ), if the investigation finds the information is inaccurate or can not be verified, you must promptly delete or modify the information. 
REQUESTED ACTIONS : 1. Conduct a thorough investigation of each disputed item 2. Contact each data furnisher to verify the accuracy of the reported information 3. Provide me with the results of your investigation within 30 days as required by law 4. Remove any information that can not be verified as accurate and complete 5. Provide me with an updated credit report showing the results of your investigation CONSUMER RIGHTS NOTICE : Please be advised that I am aware of my rights under the Fair Credit Reporting Act, including : The right to an accurate credit report The right to dispute inaccurate information The right to have unverifiable information removed The right to receive notice of investigation results I have enclosed copies of supporting documentation and request that you maintain these records as part of your investigation file. 
Please provide me with written confirmation of your receipt of this dispute and the results of your investigation within the timeframe required by federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX Enclosures :

Company response to consumer: Closed with non-monetary relief