Consumer complaint received 2026-06-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Information : Full Name : XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Mailing Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX ) : XXXX Phone Number : XXXX Email Address : XXXX RE : Formal Dispute of Inaccurate Credit Report Information ( Confirmation # XXXX ) To Whom It May Concern, I am writing to formally dispute several inaccurate, incomplete, and misleading items appearing on my Equifax credit report dated XX/XX/XXXX ( Confirmation # XXXX ). Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request a full and reasonable reinvestigation into the items detailed below. Disputed Items and XXXX Corrections : XXXX. Account Name : XXXXXXXX XXXX ( Account # ending in * XXXX ) - Inaccuracy : This account is listed as a Charge Off with a past-due balance of {$1800.00}. - Requested Action : I dispute the overall accuracy of this reporting, including the alleged balance, dates of delinquency, and characterization as a charge-off. Please obtain original, account-level documentation from the furnisher. If the furnisher can not fully verify the exact details, this derogatory tradeline must be corrected to accurate status or deleted entirely. XXXX. Account Name : Closed Builder / Secured Accounts ( XXXX Balance ) - Inaccuracy : Paid, closed credit-builder accounts ( such as XXXX XXXX XXXX XXXX XXXX XXXX ) may still reflect inaccurate derogatory or late payment notations despite maintaining a XXXX balance. - Requested Action : Please correct the payment history to accurately reflect a paid/closed status without misleading derogatory markers, or delete the tradelines if historical accuracy can not be verified. XXXX. Unverified Hard Inquiries - Inaccuracy : Multiple hard inquiries are listed on my file from various lenders ( including XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX ). I did not directly initiate or authorize applications with every entity listed. - Requested Action : Any hard inquiry generated without an authorized application or clear permissible purpose under 15 U.S.C. 1681b must be promptly removed from my report. Please Note : I am explicitly NOT disputing my positive open lines of credit or my student loans ( such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These accounts must remain on my report in good standing. Enclosed, please find a sworn Affidavit of Credit Report Inaccuracy, along with copies of my government-issued identification and proof of address to verify my identity. Thank you for your prompt attention to this matter. I look forward to receiving the results of your investigation within the XXXX statutory period. Sincerely, Printed Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation