Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
Re : Formal Dispute Inaccurate Account Reporting under FCRA Accounts in Dispute : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  Dear Sir/Madam : I am writing to formally dispute multiple inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ). The accounts listed above report last payment dates and charge-off statuses that are materially inconsistent with my records and the payment summaries provided by the original creditors. 

Specifically : XXXX  XXXX Account XXXX : Reported last payment dates do not match documented payment history. Charge-off statuses and balances are inaccurately reported. 
XXXX  XXXX Account XXXX : Reported last payment dates do not match documented payment history. Charge-off statuses are inaccurately reported. 

XXXX XXXX Accounts ( XXXX ) : The reported last payment dates, past due amounts, and potentially negative months are inconsistent with my account statements and report payment history. 

XXXX ( XXXX ) : Last payment date not available, and balance reported inaccurately than what was written off ; payment history inconsistencies exist. There late payments reporting after closure of the account. 

XXXX XXXX XXXX XXXX : Payment history inconsistencies noted, including reported late payments that do not align with my records also date of last payment not aligned with payment history. 

Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs have a grave responsibility to maintain maximum possible accuracy in credit reporting. I demand that you conduct a complete re-investigation of these accounts and provide documentation that verifies the who, what, when, where, and why of each alleged debt, looking forward to the method of verification including : Full payment history provided by the original creditor. 

Documentation of any charge-offs or settlements. 

Proof of account ownership and validity of the alleged debt. 

Failure to provide such verification constitutes a violation of the FCRA. Case law supports that CRAs are liable for reporting inaccurate information if they fail to verify disputed accounts adequately : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must conduct a reasonable reinvestigation when a dispute is raised. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Burden is on the CRA to ensure reported information is accurate ; failure to do so can create liability. 

XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must follow a reasonable procedures standard for accuracy. 

Demand for Action : Re-investigate each disputed account in full accordance with 15 U.S.C. 1681i.

Correct or delete any inaccurate information that can not be verified. 

Provide written confirmation of the results of your investigation. 

Please treat this as final notice of dispute and intent to litigate. If verification is not provided or inaccuracies are not corrected, I am prepared to pursue all available remedies under FCRA, including actual, statutory, and punitive damages. 

This letter is sent in good faith to ensure accurate reporting and compliance with federal law and reinvestigate the completeness and accuracy of these tradelines.

Company response to consumer: Closed with explanation