Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute, Demand for Investigation, and Validation of Accounts Report Number : XXXX ( Dated XX/XX/XXXX ) Social Security Number : XXXX Date of Birth : XX/XX/XXXX Dear Equifax, This letter is my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. I have received a copy of my credit report, referenced above, and have identified multiple items that are inaccurate, incomplete, and unverifiable. I demand a thorough investigation into the following accounts and require that you validate every item listed below. 
Failure to verify and validate these accounts within the 30-day period mandated by the FCRA will require their immediate deletion from my credit file. For each account, I demand to be provided with the original contract bearing my wet ink signature, a complete accounting history from the original creditor, and verifiable proof of any alleged delinquencies. 
Accounts Requiring Immediate Investigation and Validation XXXX. XXXX XXXX XXXX XXXX  ( Account # : XXXX XXXX XXXX XXXX  Issue : Your report lists this account as " 60-89 Days Past Due. '' However, the payment history only indicates a single 30-day delinquency in XX/XX/XXXX. This is a material misrepresentation of my account status. 
* Demand : I demand you investigate this discrepancy. Provide absolute proof of any payment being 60-89 days late. If you can not, you must correct the status to reflect the accurate payment history or delete the entire tradeline. 
XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX Issue : This account incorrectly reports a 30-day late payment in XX/XX/XXXX. I have never been late on this account. Furthermore, the " Terms Frequency '' is listed as " Semi-monthly, '' which is incorrect for this auto loan. 
* Demand : I demand validation of this alleged late payment. Provide a complete transaction history from the creditor proving this delinquency. Correct the inaccurate terms or delete the account. 
XXXX. XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX Issue : I have no knowledge of this alleged debt or any contractual relationship with XXXX XXXX XXXX, a third-party debt collector. This reporting appears to be a violation of the FDCPA. 
* Demand : I demand strict proof of this alleged debt. Provide me with a copy of the original contract with my signature that assigns XXXX XXXX XXXX the authority to collect, and a complete accounting from the original creditor. Failure to provide this validation requires immediate deletion. 
XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX Issue : This account is reported as a " Charge Off. '' I dispute the validity and the amount of this charge-off. 
* Demand : Validate this entire debt. Provide the original contract and a full accounting showing how the charge-off amount was calculated. Without this, the entry must be deleted. 
XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX Issue : This account is reported as a " Charge Off. '' I dispute the accuracy of this status and the reported amount. 
* Demand : I require full validation of this account, including the original signed contract and a detailed statement justifying the charge-off amount. If you can not validate it, you must delete it. 
XXXX. XXXX XXXX XXXX  XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX Issue : Your report lists this account as " 30-59 Days Past Due. '' This is inaccurate. 
* Demand : Investigate and provide verifiable proof of this alleged delinquency. Absent such proof, this inaccurate status must be removed, and the account history corrected. 
Accounts Requiring Full Audit and Validation In addition to the items above, I am exercising my right to ensure all information on my report is 100 % accurate. I demand a full audit and validation of the following accounts to confirm the accuracy of balances, payment history, and all other reported details : * XXXX XXXX  ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX ( All associated accounts ) XXXX XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other accounts, positive or closed, listed on the referenced report. 
Under the FCRA, you have a 30-day window to investigate these disputes. If you are unable to verify the accuracy and validity of the information for each account as I have demanded, you must remove the items from my credit file immediately. Reporting unverified and inaccurate information is a serious violation of my rights. 
Upon completion of your investigation, please send me a free, updated copy of my credit report showing the corrections and/or deletions. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief