Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Reinvestigation Pursuant to FCRA 1681i To Whom It May Concern, I am writing to dispute several items on my credit report ( Confirmation # XXXX, dated XX/XX/XXXX ) that appear to be inaccurate and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I am exercising my right to request a reinvestigation of these accounts. 
The following accounts have not been properly verified and therefore should be removed from my credit file if the furnishers are unable to provide adequate verification : Accounts in Dispute Due to Lack of Verification : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : XXXX XXXX Issue : No documentation has been provided to prove the accuracy or legitimacy of this account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Issue : This debt has not been verified. I request documentation showing the origin of the balance, terms, and proof of liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No verification has been presented showing that I legally owe this debt. Please remove if verification can not be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate reporting post-bankruptcy. Verification of the balance and timeline of delinquency is requested. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The account appears post-XXXX  and may be reporting outdated or incorrect data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : I am requesting that this public record entry be removed from my credit report as it may be outdated, inaccurately reporting, or not properly verified by the court or your third-party source. 
In accordance with FCRA 1681i, you are required to : 1. Conduct a reinvestigation within 30 days of receiving this request. 2. Notify the furnisher of the information being disputed.

3. Delete or correct any unverifiable or inaccurate information.

4. Provide me with a written report of the reinvestigation results. 
Please include a description of the procedures used to determine the accuracy and completeness of the disputed information. 
Attached are copies of the following : - My credit report with the disputed accounts highlighted- A copy of my government-issued ID - Proof of current address Thank you for your prompt attention to this matter. I look forward to receiving written confirmation that the disputed accounts have either been properly verified or removed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation