Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
VICTIM OF YOUR DATA BREACH AND INCONSISTENCES. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am submitting this letter as a formal request under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically Section 611, to initiate a dispute regarding multiple entries appearing on my consumer credit file with your agency. 
Upon careful review of my credit report, I have identified several adverse accounts and derogatory remarks that I believe to be either : Inaccurate, Incomplete, Outdated, or Not verifiable per your obligations under the FCRA. 
These negative accounts are contributing to an unjust and misleading picture of my creditworthiness, and I am exercising my right to dispute these items and request that they be either corrected or permanently deleted if they can not be verified with original documentation from the furnisher. 
Please treat this letter as a formal dispute of all such items that meet any of the criteria above.

Specifically, I am requesting the following : 1. A thorough investigation of all negative and derogatory entries on my report ; 2. Immediate removal of any information that can not be 100 % verified through original source documents ; 3. Written documentation validating the reporting accuracy of eac
h negative item in dispute ; 4. Notification of any deletions or corrections made following your investigation.

I am also reminding your agency of its duty under FCRA 611 ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt of this notice. If you are unable to verify these entries in compliance with federal law, they must be removed.

Enclosed : Copy of my government-issued photo ID Proof of current address ( utility bill ) Copy of the most recent credit report with disputed items highlighted ( optional ) I respectfully request that you provide me with an updated copy of my credit report showing the results of your investigation and any changes made. 
I appreciate your prompt attention to this matter. I reserve all rights under federal and state consumer protection laws. 
Sincerely, XXXX XXXX Subject : URGENT Request for Removal of Inaccurate, Unverifiable & Obsolete Information FCRA 611 Compliance Required ________________________________________ Dear Credit Reporting Agency, This is a formal dispute letter under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. I am requesting a complete reinvestigation into multiple entries currently appearing on my consumer credit file. 
These accounts reflect negative, outdated, or entirely unverifiable data. As such, they are in violation of my rights under federal law. I am formally requesting a full review and removal of any account that fails to meet the following legal standards : Complete and 100 % accurate Backed by original signed documentation from the furnishing party Not obsolete or past the legal XXXX reporting window Reported without errors in balance, dates, or payment status Not affected by identity theft or mistaken reporting ________________________________________ The Following Entries Are In Dispute ( Examples ) : ( Note : Replace these with actual accounts if known or leave blank if you want them to investigate all negatives ) Collection Account from [ Debt Collector Name ] Charged-off Account from [ Original Creditor ] Late payments reported by [ Bank/Lender Name ] Duplicate or outdated public records ________________________________________ Legal Notice : Pursuant to FCRA 611 ( a ), you must : 1. Complete a reasonable reinvestigation of all disputed items within 30 days of receipt of this request.

2. Provide documentation proving the accuracy and validity of each entry, sourced from the original creditor or data furnisher.

3. Delete or correct any item that is found to be incomplete, inaccurate, or unverifiable under the law.

________________________________________ Enclosures for Identity Verification : Copy of my government-issued ID ( Drivers License ) Copy of recent utility bill ( proof of address ) Copy of credit report with disputed items highlighted ( optional ) ________________________________________ This letter is not generic. It is a direct legal challenge. I am aware of my rights and expect your agency to adhere to all federal consumer protections. Any item that can not be validated with actual documents must be immediately removed from my report under FCRA. 
Please confirm receipt of this dispute, and provide written results of your investigation within the legal timeframe. I reserve all rights under state and federal consumer laws. 
Thank you for your attention to this matter. 


XXXXXXXX XXXX  Potentially XXXX Date XXXX XXXX {$250.00} XXXX charged off. {$250.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date XXXX XXXX {$300.00} XXXX charged off. {$300.00} written off. {$300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date XXXX Balance {$0.00} StatusAccount charged off. {$240.00} written off. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$12.00} StatusAccount charged off. {$12.00} written off. {$12.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$520.00} StatusAccount charged off. {$520.00} written off. {$520.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date XXXX Balance- XXXX, XXXX. 
XXXX Potentially negative Date XXXX Balance- XXXX, XXXX. 
XXXX XXXX  Potentially negative Date XXXX XXXX {$99.00} XXXX charged off. {$99.00} written off. {$99.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date XXXX XXXX {$10000.00} XXXX charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date XXXX Balance- XXXX, XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$5300.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$5000.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$1900.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$1100.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$3700.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX  XXXX Potentially negative Date XXXX Balance {$7200.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$6500.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$4900.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$7900.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$1800.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$1900.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$2800.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$2200.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$8000.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$350.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$3400.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$3500.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$640.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$3100.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date XXXX Balance {$320.00} StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXX  Potentially negative Date XXXX Balance- XXXX, XXXX. Deferred, payments begin XX/XX/XXXX. 
XXXX  Potentially negative Date XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date XXXX XXXX {$610.00} XXXX charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX Potentially negative Date XXXX Balance- StatusPaid, Closed. 
XXXXXXXX XXXX XXXX A Potentially negative Date XXXX Balance {$1100.00} StatusAccount charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX XXXX {$1400.00} XXXX account. {$1.00}

Company response to consumer: Closed with explanation