Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX Equifax Information Services LLC, XXXX. XXXX  XXXX, XXXX, GA XXXX. 

RE : Dispute of Inaccurate and Incomplete Information on Credit Report Report Number : XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my credit report, as identified in the report dated XX/XX/XXXX ( Report Number : XXXX ). As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to demand the immediate investigation and permanent removal of this erroneous information. Failure to comply with the FCRAs requirements will result in further legal action to protect my rights. 
Items in Dispute The specific items I am disputing are as follows : XXXX. Account : [ No account number provided ] Date of Last Payment : XX/XX/XXXX Status : Consumer Disputes Reinvestigation in Process Type of Loan : Secured Credit Card XXXX. Account : [ No account number provided ] Date of Last Payment : [ Not specified, assumed recent ] Status : Consumer Disputes Reinvestigation in Process Type of Loan : Secured Credit Card Date : XX/XX/XXXX Grounds for Dispute These items are incomplete and potentially inaccurate for the following reasons : 1. Failure to Complete Reinvestigation Within 30 Days ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : The FCRA mandates that a reinvestigation of disputed information must be completed within 30 days of receiving a consumers dispute. As of the report date ( XX/XX/XXXX ), both items are still marked as Reinvestigation in Process. If these disputes were filed prior to XX/XX/XXXX, your failure to resolve the reinvestigations within the statutory timeframe constitutes a direct violation of the FCRA. 
XXXX. Inaccurate and Incomplete Reporting ( 15 U.S.C. 1681e ( b ) ) : The FCRA requires that credit bureaus maintain reasonable procedures to ensure the maximum possible accuracy of the information in my credit report. The unresolved Reinvestigation in Process status on both accounts renders this information incomplete and potentially inaccurate, as it does not reflect the final outcome of the disputes. This ambiguity harms my creditworthiness and violates the FCRAs accuracy standards. 
XXXX. Unverifiable Information : If you can not verify the accuracy of these itemsincluding the resolution of the prior disputesyou are obligated under 15 U.S.C. 1681i ( a ) ( 5 ) to permanently delete this information from my credit report. 
Demand for Action Pursuant to the FCRA, I demand the following : 1. Immediate Investigation : Conduct a thorough investigation of both disputed items within the XXXX timeframe required by 15 U.S.C. 1681i ( a ) ( XXXX ). 
XXXX. Permanent Removal : If these items can not be verified as accurate and completeor if the prior reinvestigations were not completed within the statutory timeframepermanently delete both items from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

3. Updated Credit Report : Provide me with an updated copy of my credit report, free of charge, reflecting the removal of these items, as mandated by 15 U.S.C. 1681i ( d ). 
XXXX. Notification to Furnishers : Notify any furnishers of this information of the dispute and the results of your investigation, as required by XXXX XXXX. XXXX ( a ) ( XXXX ) ( D ). 
Legal Consequences of Non-Compliance Be advised that failure to comply with the FCRAs requirements may result in liability for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reasonable attorneys fees, as provided under 15 U.S.C. 1681n and 1681o. I am prepared to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating a private lawsuit, to enforce my rights under federal law. 
Demand for Action Pursuant to the FCRA, I demand the following : 1. Immediate Investigation : Conduct a thorough investigation of both disputed items within the XXXX timeframe required by 15 U.S.C. 1681i ( a ) ( 1 ). 
XXXX. Permanent Removal : If these items can not be verified as accurate and completeor if the prior reinvestigations were not completed within the statutory timeframepermanently delete both items from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

3. Updated Credit Report : Provide me with an updated copy of my credit report, free of charge, reflecting the removal of these items, as mandated by 15 U.S.C. 1681i ( d ). 
XXXX. Notification to Furnishers : Notify any furnishers of this information of the dispute and the results of your investigation, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( D ).

Legal Consequences of Non-Compliance Be advised that failure to comply with the FCRAs requirements may result in liability for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reasonable attorneys fees, as provided under 15 U.S.C. 1681n and 1681o. I am prepared to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating a private lawsuit, to enforce my rights under federal law. 
Supporting Documentation Enclosed with this letter are copies of my identification, proof of address, and the credit report in question ( Report XXXX : XXXX ) XXXX with the disputed items highlighted for your reference. 
Response Deadline You are required to respond to this dispute within 30 days of receipt, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ). I expect a written response detailing the results of your investigation, along with an updated credit report, by no later than XX/XX/XXXX. 
Enclosures : Copy of Credit Report ( Report Number : XXXX ) Proof of Identity ( e.g., drivers license or passport ) Proof of Address ( e.g., utility bill or bank statement )

Company response to consumer: Closed with explanation