Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSC : XXXX D.O.B. XXXX XX/XX/XXXX EXPERIAN CREDIT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX TRANSUNION CREDIT REPORTING AGENCY XXXX XXXX XXXXXXXX XXXX PA XXXX Re : Formal dispute and demand for prompt reinvestigation and permanent deletion under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) TO : LEGAL DEPARTMENT To Whom It May Concern : This is a formal dispute and demand for reinvestigation under 15 U.S.C. 1681 et seq. I dispute the accuracy and completeness of the following item ( s ) on my consumer file and demand immediate action : ACCOUNT NAME : XXXX  XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT XXXX : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX I dispute these item ( s ) as inaccurate, incomplete, and/or unverifiable. Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information and correct or delete information that can not be verified.

Demand for immediate actions ( per FCRA ) : 1. Reinvestigate the disputed item ( s ) and complete your reinvestigation within the statutory timeframe. If you can not verify the accuracy of these items, you must delete them from my file.

2. Provide me with written confirmation of the results of your reinvestigation, including the specific evidence and documentation relied upon to verify the item ( s ) or a statement that the item ( s ) have been deleted or corrected.

3. If the furnisher supplied information during your reinvestigation, provide me with the name, address, and phone number of the furnisher you contacted and a copy of all all communications or documents the furnisher provided to you. If the furnisher failed to verify, inform me in writing of that fact.

4. Place a permanent consumer statement on my file noting that I have disputed the item ( s ).

5. Notify anyone who received my consumer report in the past six months ( or two years for employment purposes ) of the deletion or correction required by you. 


Be advised that the law requires CRAs to maintain reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to have and follow such procedures is a violation of 15 U.S.C. 1681e and related provisions. If you can not verify the accuracy of the information I dispute, you must remove it. The CFPB and other authorities confirm that disputed, unverified information must be deleted.

If you fail to comply with these statutory obligations within the applicable timeframes, I will pursue all available remedies under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General, and pursuing civil action for statutory and actual damages, costs, and attorneys fees. 


This letter serves as formal notice of dispute. I expect written confirmation that you have received this dispute, that you have initiated an investigation, and a final written result consistent with the FCRA requirements. If you attempt to reinsert or re-report this item without proper verification, such action will be a willful violation of the FCRA and may subject you to statutory damages and legal action. 

Please also correct the spelling of my name to XXXX XXXX XXXX as it is listed on my identification as well as my address which is included with my dispute documents. There are various spellings of my name which is making me a target for fraud activity. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief