Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
Heres your finalized dispute letter with your personal details included. You may copy, paste, and send this letter via certified mail to each credit bureau or use their online dispute portals. If you mail it, include copies ( not originals ) of your ID, utility bill, and supporting documents. 



XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Immediate Investigation and Correction Pursuant to 15 U.S.C. 1681i ( a ) Dear [ Equifax / Experian / TransUnion ] Dispute Department, I am writing to formally dispute multiple inaccurate, misleading, and inconsistent items appearing on my credit report as maintained by your agency. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I hereby request that you investigate and remove all unverifiable and erroneous entries within 30 days. 

Additionally, I invoke the doctrine of estoppel by silence, as established in Englehart v. Gravens, 281 S.W. 715, 719 ( Mo. ), wherein silence where there is a duty to speak is deemed acquiescence. I reasonably presume that no valid proof of the alleged debts exists, and therefore no such debts exist in fact. Continuing to furnish unverified or conflicting data without response constitutes such silence. 



Accounts in Dispute : 1. XXXX XXXX XXXX Equifax : Pays as Agreed + 30 Days Past Due for XX/XX/XXXX Experian : 30 Days Past Due for XX/XX/XXXX TransUnion : 30 Days Past Due for XX/XX/XXXX These inconsistencies are materially harmful to my credit and are a violation of 15 U.S.C. 1681e ( b ). 

2. XXXX XXXX TransUnion and Experian : 30 Days Past Due Equifax : Pays as Agreed Balances : TransUnion reports {$24.00}, Equifax and Experian report {$0.00} 3. XXXX Equifax : 150 Days Late ( XX/XX/XXXX ), 120 Days Late ( XX/XX/XXXX ) Experian : 150 Days Late ( XX/XX/XXXX ), 180 Days Late ( XX/XX/XXXX ) This is not only inconsistent but prolongs the statute of limitations and negatively affects my credit file. 

4. XXXX Experian : 150 Days Late ( XX/XX/XXXX ), Charge-Off ( XX/XX/XXXX ) Equifax : 120 Days Late ( XX/XX/XXXX ), Charge-Off ( XX/XX/XXXX ) No 1099-C has been provided. You can not legally report both a charge-off and balance. The debt should be listed as {$0.00} if charged off. 

5. XXXX XXXX Equifax : Updated XX/XX/XXXX, 30 Days Delinquent, {$0.00} balance, {$1000.00} credit limit Experian : Updated XX/XX/XXXX, 60 Days Delinquent, {$0.00} balance, No credit limit The inconsistency materially misrepresents my payment history. 

6. XXXX XXXX Reported Pays as Agreed but account is also marked closed. Please confirm and correct final status. 



Legal Notice and Final Demand : You are required to conduct a reasonable investigation and delete any unverifiable, outdated, or inconsistent entries. You must provide written verification of each items accuracy or remove it from my report in accordance with 15 U.S.C. 1681i ( a ). If you fail to do so within 30 days, I will pursue damages under 15 U.S.C. 1681n & 1681o, including actual, statutory, and punitive damages, as well as attorney fees. 

Further, under Englehart v. Gravens, your continued silence and failure to produce proof estops you from asserting any legal claim of indebtedness. I demand immediate compliance with federal law. 

Please respond to this dispute in writing to my mailing address listed above. I expect confirmation of removal or verification within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with non-monetary relief