Consumer complaint received 2026-03-23 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: CA

Complaint narrative:
* * IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT * *, this letter serves as formal notice that the creditors identified below have violated my federally protected consumer rights. To Whom It May Concern, I am writing pursuant to my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, specifically Sections 602, 604, 611, and 623, to formally dispute the accuracy and/or verifiability of the following items currently appearing on my credit report. I have reviewed my credit file and identified information that is inaccurate, incomplete, unauthorized, and/or can not be verified in accordance with the FCRA 's requirements. * * Pursuant to 15 U.S.C. 1681, Section 602 * *, I have the right to privacy, and the reporting of inaccurate or unauthorized information directly violates that right. * * Pursuant to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) * *, a consumer reporting agency can not furnish an account without my written instructions. I did not provide written instructions authorizing the furnishing of the accounts identified below in the manner in which they are being reported. * * Pursuant to 15 U.S.C. 1666B * *, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. I am disputing all late payment notations on the basis that the creditors named herein can not demonstrate compliance with 15 U.S.C. 1666B 's requirements before designating any payment as late. * * Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *, a furnisher is prohibited from reporting information it knows or has reasonable cause to believe is inaccurate. Where a late-payment designation is legally defective under 15 U.S.C. 1666B, furnishing that designation to any consumer reporting agency violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Because the reported delinquencies identified below are legally defective and materially misleading, I demand that all late-payment notations be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of each disputed item within * * XXXX days * * of receipt of this letter. If any item can not be verified, it must be * * promptly deleted * * from my credit file. I dispute the following items and request full investigation and deletion or correction of each : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account as late on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. I dispute the accuracy of the late payment notations ( XXXX, XXXX, and XXXX days past due ) reported for XXXX, XXXX, and XX/XX/XXXX. The reported past due amount of {$140.00} and the current delinquency status are inaccurate as reported. I request full verification of all payment dates, amounts, and the methodology used to determine delinquency. If this information can not be verified with complete accuracy, it must be deleted or corrected immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was reported inaccurately and I did not authorize the creditor to report this account as late on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. I dispute the XXXX late payment notation reported for XX/XX/XXXX as inaccurate. I request complete verification of the payment date, the due date, and the amount involved. If this can not be fully verified, the late payment notation must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account as late on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. I dispute the XXXX late payment reported for XX/XX/XXXX. I request verification of the specific payment due date, the date payment was received, and the method of determination. If this can not be verified, the late payment notation must be deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account as late on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. I dispute the XXXX late payment notation reported for XX/XX/XXXX on this now-closed account. I request full verification including the due date, payment date, and any account statements supporting this notation. If unverifiable, the late payment must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was reported inaccurately and I did not authorize the creditor to report this account in this manner on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. I dispute this charge off account as currently reported. Specifically, I dispute ( a ) the ongoing monthly updating of the charge off notation and the reported balance of {$4500.00} as currently past due, ( b ) the accuracy of the date of first delinquency, and ( c ) the furnisher 's continued authority to update this account after charge off without valid basis. A charged-off account that continues to report a static or growing past due balance each month may constitute improper re-aging under the FCRA. I request full verification of : the original charge off date, the date of first delinquency, the current balance methodology, and proof that the furnisher has the right to continue reporting this account. If the information can not be fully verified, this entire tradeline must be deleted. Furthermore, under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account as late or in collections on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least 21 days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. I dispute this account being reported as a collection account. The reported balance of {$81.00} exceeds the original balance of {$82.00}, which is inaccurate. I dispute the collection status, the balance amount, and the accuracy of all payment history notations. I request full verification of the original agreement, the amount owed, the chain of ownership, and the date of first delinquency. If this can not be verified, this tradeline must be deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account as late or in collections on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least 21 days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. I dispute this account being reported as a collection account. The reported balance of {$98.00} exceeds the original balance of {$84.00}, which is inaccurate and impermissible. I dispute the collection status, the inflated balance, and all payment history. I request full verification of the original agreement, the debt amount, the chain of ownership, and the date of first delinquency. If this can not be verified, this tradeline must be deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. I dispute this collection account in its entirety. I request verification of : ( a ) the original creditor and original account number, ( b ) the full chain of assignment/sale from XXXXXXXX XXXX XXXXXXXX XXXX, ( XXXX XXXX the date of first delinquency with the original creditor, ( d ) proof that the XX/XX/XXXX account open date does not constitute re-aging of this debt, and ( XXXX ) a complete accounting of the {$1000.00} balance. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information it knows or has reasonable cause to believe is inaccurate. Under 15 U.S.C. 1666B, a creditor may not treat a payment as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper, and furnishing that improper status violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. If this account can not be fully verified, it must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax Only ) * * * * Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account in this manner on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. I dispute this charge off account as reported. The balance has grown from a reported charge off amount of {$27000.00} to {$41000.00} a difference of over {$13000.00} with no explanation. I dispute ( a ) the accuracy of the current balance and ongoing balance updates post-charge off, ( b ) the date of first delinquency reported as XX/XX/XXXX, ( c ) the major delinquency first reported date of XX/XX/XXXX, which I believe to be inaccurate, and ( d ) narrative code XXXX indicating a prior dispute was resolved against me, which I continue to challenge. I request the full method of verification used in any prior dispute reinvestigation, and a complete accounting of all charges applied to bring the balance from {$27000.00} to {$41000.00}. If this information can not be fully verified, this tradeline must be deleted. Furthermore, under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least 21 days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax Only ) * * * * Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account in this manner on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it also implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that the late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. I dispute this charge off account as currently reported. I dispute ( a ) the past due amount listed as {$9000.00}, ( b ) the charge off notation and the accuracy of the date of first delinquency ( XX/XX/XXXX ), ( c ) the major delinquency first reported date of XX/XX/XXXX which appears inconsistent with a XXXX delinquency, and ( d ) the account being listed as closed by the credit grantor without accurate supplemental detail. I request full verification of the charge off date, the original balance at charge off, and the current balance calculation. If this can not be verified, this tradeline must be deleted or corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax Only ) * * * * Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. I dispute this collection account in its entirety. No original creditor is identified in this tradeline, which makes it impossible for me to verify or validate this debt. Under 15 U.S.C. 1681i, if the original creditor can not be identified and the debt can not be verified, this account must be deleted. I request : ( a ) the name and address of the original creditor, ( b ) the original account number, ( c ) the full chain of assignment from the original creditor to XXXX XXXX, ( d ) the date of first delinquency with the original creditor, and ( XXXX ) a complete accounting of the {$1500.00} balance. Under 15 U.S.C. 1666B, a creditor may not treat a payment as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that all late-payment notations be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. If any of this information can not be provided and verified, this tradeline must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax Only ) * * * * Dispute Basis : * * This account was reported inaccurately and I did not authorize the creditor to report this account on my credit report. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. I dispute this collection account. I request verification of ( a ) the original amount owed to XXXX, ( b ) the basis for the delinquency dated XX/XX/XXXX, ( c ) the assignment to XXXX XXXX on XX/XX/XXXX, and ( d ) proof that the {$65.00} balance is accurate. I also request proof that XXXX properly notified me before assigning this debt to collections. Under 15 U.S.C. 1666B, a creditor may not treat a payment as late for any purpose unless the required periodic statement was mailed or delivered at least XXXX days before the payment due date. Any late designation made without compliance with that statute is improper. Once that improper late status is furnished to consumer reporting agencies, it implicates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information the creditor knows or has reasonable cause to believe is inaccurate. Because the reported delinquency is legally defective and materially misleading, I demand that this late-payment notation be removed or corrected immediately and that all consumer reporting agencies receiving this data be notified of the correction. If this account can not be fully verified, it must be deleted. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian Only ) * * * * Dispute Basis : * * This inquiry was made without my written authorization. In accordance with the Fair Credit Reporting Act, this constitutes a violation of my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. I did not authorize this inquiry and did not apply for credit with this company. I request documentation proving written authorization was provided. If permissible purpose can not be demonstrated, this inquiry must be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) * * Dispute Basis : * * These inquiries were made without my written authorization. In accordance with the Fair Credit Reporting Act, this constitutes a violation of my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. I did not authorize these inquiries. I request documentation proving written authorization for each individual pull on each date listed. If permissible purpose can not be demonstrated for any of these inquiry dates, those inquiries must be removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax Only ) * * * * Dispute Basis : * * These inquiries were made without my written authorization. In accordance with the Fair Credit Reporting Act, this constitutes a violation of my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. I did not authorize these XXXX hard inquiries. Multiple hard pulls from the same creditor in rapid succession without written consent is impermissible under the FCRA. I request documentation proving written authorization for each individual pull. If permissible purpose can not be demonstrated for each, all three must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For each item listed above, I request that you : XXXX. XXXX a thorough reinvestigation within XXXX days as required by 15 U.S.C. 1681i 2. Contact each furnisher to verify the specific data points I have disputed XXXX. Delete any item that can not be fully verified XXXX. Correct any item where inaccurate information is confirmed XXXX. Provide me with written results of your reinvestigation within XXXX business days of completion XXXX. Send me a free updated copy of my credit report showing all changes XXXX. Forward my dispute to all furnishers involved as required under 15 U.S.C. 1681i ( a ) ( 2 ) Please note : This is not a frivolous dispute. I have reviewed my credit report in detail and have specific, articulable reasons for disputing each item listed above. I expect a complete and documented reinvestigation response. Be advised that I am aware of my rights under the FCRA and I am actively monitoring my file. Willful or negligent non-compliance with the FCRA 's reinvestigation requirements may result in civil liability under 15 U.S.C. 1681n and 1681o. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief