Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date : [ Insert Todays Date ] To Whom It May Concern : I am formally disputing inaccurate and/or unverifiable information appearing on my Equifax credit report ( Confirmation # XXXX, dated XX/XX/XXXX ). Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request validation and investigation of the following accounts.

Unless you can provide proper verification that substantiates your right to report these items, they must be deleted from my credit file. 

Disputed Accounts XXXX XXXX XXXX ( Account XXXX ) Balance Reported : {$3600.00} Status : Closed / Over 120 Days Past Due Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Balance, payment history, and charge-off status appear inaccurate and unverifiable. 

XXXX XXXXXXXX XXXX XXXX ( Account XXXX ) Balance Reported : {$13000.00} Status : Closed / Charge-Off Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Charge-off amount and payment reporting inconsistent ; requires validation. 

XXXX XXXX XXXX XXXXXXXX XXXX  ( Account XXXX ) Balance Reported : {$440000.00} Status : Over 120 Days Past Due Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Past due amount and foreclosure/charge-off reporting appear inaccurate. 

XXXX XXXXXXXX ( Account XXXX ) Balance Reported : {$81.00} Status : Closed / Collection Account Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Utility account listed as collection is inaccurate and unverifiable. 

XXXX XXXX XXXX  XXXX Account XXXX ) Balance Reported : {$3300.00} Status : Closed / 3059 Days Past Due Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Reported payment history and delinquency dates do not match records. 

XXXX XXXXXXXX XXXX XXXX Account XXXX ) Balance Reported : {$2400.00} Status : Closed / Over 120 Days Past Due Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Account balance and past-due status require full validation. 

XXXX XXXX XXXX XXXX  ( Account XXXX ) Balance Reported : {$340.00} Status : Closed / Over 120 Days Past Due Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Payment history inconsistent ; requires full documentation. 

XXXX XXXX XXXX XXXX XXXX  ( Account XXXX ) Balance Reported : {$4800.00} Status : Over 120 Days Past Due Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Reported past-due balance and delinquency not validated. 

XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Balance Reported : {$160.00} Status : 6089 Days Past Due Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Reason for Dispute : Payment reporting appears inaccurate and unverifiable. 

XXXX XXXX ( Account XXXX ) Balance Reported : {$570.00} Status : Closed / Pays As Agreed ( but with past due reporting ) Date Reported : XX/XX/XXXX Reason for Dispute : Account reporting inconsistencies need clarification and validation. 

Requested Action I request that you : Provide complete documentation and validation supporting your right to report each of the above accounts.

If you can not verify with original signed contracts, account statements, or payment records, immediately delete these accounts from my credit file with Equifax and all credit reporting agencies to which you furnish data.

Provide written confirmation of your findings and actions within 30 days, as required by the FCRA.

Failure to properly investigate and correct these inaccuracies is a violation of federal law and may result in further action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation