Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX apt XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX To Whom It XXXX Concern, I am writing to formally dispute several inaccurate and unverifiable items being reported on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting an immediate investigation and removal of the following inaccurate information. This is my first dispute request to your bureau for these specific items. 
________________________________________ Incorrect/Outdated Addresses to Remove : XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX These addresses are either outdated or inaccurate and should be permanently removed from my credit file. 
________________________________________ Accounts to Investigate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$470.00} Late Payment * * I request full documentation of the reported delinquency. If this account can not be fully verified, it must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$480.00} Late Payment * * I dispute the reported late payment and request validation of the payment history and original creditor agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1000.00} Late Payment * * This account is unfamiliar to me. Please verify and provide full documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$29000.00} Charge Off * * Please provide evidence of the original creditor, full payment history, and the signed contract. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off * * This item shows a charge-off with a {$0.00} balance, which is contradictory. Please explain and verify or remove. 
XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} Charge Off * * I dispute this account and request a full validation from the data furnisher or deletion under FCRA. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$520.00} Late Payment * * I am requesting a full investigation into the validity of this late payment claim. 
________________________________________ XXXX or XXXX XXXX to Remove : XXXX XX/XX/XXXX I did not authorize this inquiry. Please remove it under FCRA XXXX XXXX which restricts access to consumer reports without permissible purpose. 
________________________________________ If the items listed above can not be fully verified with documentation from the original creditors, they must be removed from my credit report in accordance with the FCRA. I expect the results of your investigation and a corrected copy of my credit report within 30 days, as required by law. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief