Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
RE : Credit Report Dispute under FCRA and XXXX XXXX Compliance To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information contained in my Equifax, Experian and Transunion credit reports pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX Compliance standards. 
Please find enclosed dispute letters detailing the accounts that are inaccurately reported, including XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and two accounts with XXXX XXXX. 
These entries contain reporting inconsistencies and errors that fail XXXX XXXX guidelines and do not meet the legal standard of 100 % accuracy and verifiability. I request immediate reinvestigation and deletion of any data found to be unverifiable or inaccurate. 
Sincerely, XXXX XXXX XXXX I am disputing the following account : XXXX  XXXX XXXX Account # : XXXX This account contains information that fails XXXX XXXX compliance checks and violates the Fair Credit Reporting Act 's accuracy requirements. 
I demand a reinvestigation and deletion if unverifiable I am disputing the following account : XXXX XXXX Services Account # : XXXX This account contains information that fails XXXX XXXX compliance checks and violates the Fair Credit Reporting Act 's accuracy requirements. 
I demand a reinvestigation and deletion if unverifiable I am disputing the following account : XXXX XXXX  Account # : XXXX This account contains information that fails XXXX XXXX compliance checks and violates the Fair Credit Reporting Act 's accuracy requirements. 
I demand a reinvestigation and deletion if unverifiable I am disputing the following account : XXXX XXXX XXXX Account # : XXXX This account contains information that fails XXXX XXXX compliance checks and violates the Fair Credit Reporting Act 's accuracy requirements. 
I demand a reinvestigation and deletion if unverifiabl I am disputing the following account : XXXX XXXX  Account # : XXXX This account contains information that fails XXXX XXXX compliance checks and violates the Fair Credit Reporting Act 's accuracy requirements. 
I demand a reinvestigation and deletion if unverifiable. 

I am disputing the following account : XXXX XXXX Account # : XXXX This account contains information that fails XXXX 2 compliance checks and violates the Fair Credit Reporting Act 's accuracy requirements. 
I demand a reinvestigation and deletion if unverifiable. 

Consumer Law Addendum This addendum outlines the Consumer Law protections being leveraged to dispute inaccurate or illegal reporting on your credit file.

1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : If any charged-off accounts are sold to a debt collector, the collector must validate the debt within 5 days.

Reporting unvalidated debts to credit bureaus is illegal.

A debt validation letter can be used to stop all reporting/collection activity unless verified.

2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 : Applies to installment loans ( e.g., XXXX  XXXX XXXX, XXXX XXXX ). 
Requires accurate disclosure and reporting of loan terms and payment history.

Inaccurate terms, hidden charges, or deceptive interest disclosures may trigger TILA violations.

3. Bankruptcy Code 11 U.S.C. 524 ( a ) ( 2 ) : Prohibits continued reporting or collection of debts discharged in bankruptcy.

Creditors may not report balances as " past due '' or " charged off '' post-discharge. 
Violating this protection is a breach of the discharge injunction. 
These protections work in conjunction with XXXX XXXX and FCRA dispute protocols to ensure your credit report reflects only accurate, complete, and verifiable data. 
Prepared by : XXXX XXXX XXXX XXXX : XX/XX/year>2025 2025

Company response to consumer: Closed with non-monetary relief