Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the XXXX XXXX XXXX account listed on my credit report. After a thorough review of this accounts reporting across the XXXX major credit bureaus, I have identified significant inaccuracies and violations of federal law, which render the entry unverifiable and invalid.

SECTION 1 : Inaccuracies & Violations Identified I am disputing this account based on the following specific errors, which directly violate FCRA 1681e ( b ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) : 1.Conflicting Date Opened Entries The account is reported with multiple dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This inconsistency raises concerns about the accuracy of the data.

2.Contradictory Date of Last Activity The account is reported with varying Date of Last Activity entries : XX/XX/XXXX on XXXX entries, and XX/XX/XXXX on another. This inconsistency violates the accuracy requirement under FCRA 1681e ( b ).

3.Invalid Monthly Payment Reporting The account reflects a {$0.00} monthly payment despite being in active collection status with a {$2700.00} balance, which is misleading and incomplete.

4.Missing or Blank Term Source Type This missing data violates my rights under FCRA 609 ( a ) ( 1 ), as I am entitled to accurate and complete information.

5.Contradictory Account Status The account is simultaneously reported as XXXX and XXXX XXXX, which is contradictory and undermines the credibility of the entry.

6.Varying Responsibility Type Some reports list this account as Individual, while others list it as Undesignated. This i
nconsistency violates FCRA uniform credit reporting standards.

7.Different Most Recent Adverse Ratings XXXX report lists Collection/Charge-Off, another shows No Data, and another shows a different adverse code. This inconsistency raises concerns about data verification. 
Inconsistent & Confusing Comments 8.Conflicting remarks include : Dispute Resolved Subscriber Disagrees Consumer Disputes After Resolution Unpaid Balance Reported as a Loss by Credit Grantor Customer Unable to Locate Consumer These conflicting remarks indicate failure to verify or properly update disputed data.

9.Lack of Account History or Payment Record The account lacks essential payment history or an itemized breakdown of the balance, which is required under FCRA 609 ( a ) ( 1 ).

SECTION 2 : Legal Demands & FCRA Rights As permitted under federal law, I am exercising the following rights : 1.The right to a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) 2.The right to request the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) 3.The right to full disclosure of the original creditors name and address under FCRA 609 ( a ) ( 1 ) 4.The right to have all inaccurate, incomplete, or unverifiable information removed under FCRA 1681e ( b ) SECTION 3 : Demand for Proof or Deletion To remain on my credit report, I require the following within 30 days : 1.The original signed agreemen
t or contract with my signature.

2.A complete itemized breakdown of the balance reported.

3.Full documentation showing the chain of assignment from the original creditor to XXXX XXXX XXXX XXXX 

4.A detailed description of how the bureau verified this information during any prior disputes.

5.All data fields corrected to reflect consistent and accurate information across all credit bureaus, including dates, status, responsibility type, and remarks. 
If you are unable to provide the requested evidence, I expect this account to be immediately deleted from my credit file across all bureaus.

SECTION 4 : Enclosed Documents Government-issued ID ( drivers license ) Proof of current address ( utility bill or lease ) Copy of my credit report with the account highlighted SECTION 5 : Notice of Intent to Escalate If this account is not corrected or removed within the 30-day period, I will escalate the matter by filing complaints with : 1.The Consumer Financial Protection Bureau ( CFPB ) 2.The Federal Trade Commission ( FTC ) 3.The State Attorney Generals Office And will seek legal action for damages under the FCRA. I expect this matter to be resolved promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief