Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
letters to XXXX, Equifax, and XXXX  I paid to find out this information but dont know what to do from here Dispute Letter to XXXX  XXXX Date : XX/XX/XXXX ] TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Reference # XXXX ) Dear XXXX, I am writing to dispute inaccurate information contained in my credit report, identified under Reference # XXXX, dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy of information, 15 USC 1681s-2, which holds furnishers accountable for providing accurate data, and 15 USC 1681i ( a ) ( 5 ), which mandates the deletion of inaccurate or unverifiable information, I request the immediate investigation and removal of the following disputed items. 
Disputed Items Category : Risk Factors XXXX. Item Code : XXXX - Insufficient Credit History Details Reported : Lack of sufficient credit history, impacting score ( XXXX ) Inaccurate Details : No specific accounts listed ; reported current address as XXXX XXXX XXXX # XXXX, Reading, PA XXXX, but previous address XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX ; date of birth listed as XX/XX/XXXX Bureau : TransUnion Requested XXXX : The omission of historical accounts at XXXX XXXX XXXX XXXX and incomplete credit history are inaccurate. Please verify all account histories from XXXX onward and delete this item if unsupported. 
XXXX. Item Code : XXXX - Recent Oldest Account Date Details Reported : Oldest account date too recent, affecting score ( XXXX ) Inaccurate Details : No specific account opening date provided; current address XXXX XXXX XXXX # XXXX, Reading, PA XXXX listed, but no timeline for prior addresses ( e.g., XXXX XXXX XXXX XXXX # XXXX, Reading, PA XXXX XXXX Bureau : XXXX  Requested XXXX : The reported recency lacks documentation. Verify account opening dates tied to all addresses ( e.g., XXXX XXXX XXXX since XX/XX/XXXX per XXXX  ) and remove this item if inaccurate. 
XXXX. Item Code : XXXX - Lack of Real Estate Accounts Details Reported : Insufficient relevant real estate account information Inaccurate Details : No real estate accounts listed ; current address XXXX XXXX XXXX # XXXX, Reading, PA XXXX suggests possible rental status Bureau : TransUnion Requested XXXX XXXX XXXX absence of real estate data XXXX be incomplete. Confirm with furnishers if mortgage history exists for XXXX XXXX XXXX or XXXX XXXX XXXX and delete if unsubstantiated. 
XXXX. Item Code : XXXX - Unpaid Collection Accounts Details Reported : Too many unpaid collection agency accounts Inaccurate Details : No specific creditor or balance provided; possible link to XXXX XXXX XXXX XXXX XXXX, SC ) or XXXX XXXX XXXX XXXXXXXX, VA ) XXXX creditor contacts ; no account number or date opened Bureau : XXXX  Requested XXXX : The unspecified unpaid collections are unverifiable. Identify specific accounts ( e.g., XXXX XXXX XXXX, ( XXXX ) XXXX ) with balances and dates, and remove this item if unsupported. 
Category : XXXX XXXX XXXX XXXX XXXX Item Code : XXXX - Fraud Alert Discrepancy Details Reported : Initial fraud alert with contact ( XXXX ) XXXX Inaccurate Details : Alert listed but no supporting documentation of fraud ; address XXXX XXXX XXXX # XXXX, Reading, PA XXXX XXXX conflict with prior fraud investigations Bureau : TransUnion Requested XXXX : The fraud alert lacks evidence tying it to my file. Verify the basis and remove if not substantiated by fraud reports. 
Please conduct a thorough investigation within the XXXX period required under FCRA 15 USC 1681i ( a ) ( 1 ) and provide me with the results, including any deleted items, as required by 15 USC 1681i ( a ) ( 6 ). Enclosed are copies of my drivers license and the credit report for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Dispute Letter to Equifax [ Date : XX/XX/XXXX ] Equifax P.O. XXXX XXXX XXXX, GA XXXX [ Your Address ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX # XXXX Reading, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Reference # XXXX ) Dear Equifax, I am writing to dispute inaccurate information contained in my credit report, identified under Reference # XXXX, dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates reasonable procedures for accuracy, 15 USC 1681s-2, which requires furnishers to provide accurate data, and 15 USC 1681i ( a ) ( 5 ), which requires the deletion of unverifiable information, I request the immediate investigation and removal of the following disputed items. 
Disputed Items Category : Risk Factors XXXX. Item Code : XXXX - Insufficient Credit History Details Reported : Lack of sufficient credit history, impacting score ( XXXX ) Inaccurate Details : No specific accounts listed ; date of birth reported as XX/XX/XXXX, but only year ( XXXX ) verified ; current address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX : Equifax Requested XXXX : The incomplete history and partial date of birth are inaccurate. Verify all accounts from XXXX and include history at XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, deleting this item if unsupported. 
XXXX. Item Code : XXXX - Unpaid Collection Accounts Details Reported : Too many unpaid collection agency accounts Inaccurate Details : No specific creditor or balance provided; possible link to XXXX XXXX ( XXXX, VA, XXXX XXXX ) XXXX ) from creditor contacts ; no account number or date opened Bureau : Equifax Requested XXXX : The unspecified collections are unverifiable. Identify specific accounts ( e.g., XXXX XXXX ) with balances and dates, and remove this item if not substantiated. 
Category : XXXX XXXX XXXX XXXX XXXX Item Code : XXXX - Fraud Alert Discrepancy Details Reported : Initial fraud alert with contact ( XXXX ) XXXX Inaccurate Details : Alert listed but no fraud documentation ; address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX conflict with prior records Bureau : Equifax Requested XXXX : The fraud alert lacks supporting evidence. Verify the basis and remove if not tied to documented fraud. 
Please conduct a thorough investigation within the XXXX period required under FCRA 15 USC 1681i ( a ) ( 1 ) and provide me with the results, including any deleted items, as required by 15 USC 1681i ( a ) ( 6 ). Enclosed are copies of my drivers license and the credit report for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Dispute Letter to XXXX  [ Date : XX/XX/XXXX ] XXXX  P.O. XXXX XXXX XXXX, TX XXXX [ Your Address ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX # XXXX Reading, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Reference # XXXX ) Dear Experian, I am writing to dispute inaccurate information contained in my credit report, identified under Reference # XXXX, dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires reasonable procedures to ensure accuracy, 15 USC 1681s-2, which holds furnishers accountable for accurate reporting, and 15 USC 1681i ( a ) ( 5 ), which mandates the deletion of unverifiable information, I request the immediate investigation and removal of the following disputed items. 
Disputed Items Category : Risk Factors XXXX. Item Code : XXXX - Insufficient Credit History Details Reported : Lack of sufficient credit history, impacting score ( XXXX ) Inaccurate Details : No specific accounts listed ; date of birth reported as XXXX ( incomplete ) ; current address XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX, but XXXX XXXX XXXX # XXXX, Reading, PA XXXX XXXX Bureau : Experian Requested Action : The incomplete history, partial date of birth, and missing address history are inaccurate. Verify all accounts from XXXX and include XXXX XXXX XXXX, deleting this item if unsupported. 
XXXX. Item Code : XXXX - Unpaid Collection Accounts Details Reported : Too many unpaid collection agency accounts Inaccurate Details : No specific creditor or balance provided; possible link to XXXX XXXX XXXX XXXX XXXX, SC, ( XXXX ) XXXX ) from creditor contacts ; no account number or date opened Bureau : Experian Requested Action : The unspecified collections are unverifiable. Identify specific accounts ( e.g., XXXX XXXX XXXX ) with balances and dates, and remove this item if not substantiated. 
Category : XXXX XXXX XXXX XXXX XXXX Item Code : XXXX - Fraud Alert Discrepancy Details Reported : No fraud alert explicitly listed ( unlike TransUnion/Equifax ) XXXX Details XXXX Inconsistency with other bureaus reporting initial fraud alert ( XXXX ) XXXX ; address XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX conflict XXXX fraud records Bureau : XXXX  Requested Action : The absence of a fraud alert despite other bureau reports is inaccurate. Verify consistency with XXXX and update or remove if unsupported. 
Please conduct a thorough investigation within the XXXX period required under FCRA XXXX XXXX XXXX XXXX a ) ( XXXX ) and provide me with the results, including any deleted items, as required by XXXX XXXX XXXX XXXX a ) ( XXXX ). Enclosed are copies of my drivers license and the credit report for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation