Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Date of Birth : XX/XX/XXXX SSN : XXXX - XXXX - XXXX To whom it may concern, FORMAL DISPUTES OF INNACCURATE I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this accounts are STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I am writing to dispute and delete the following information that appears on my XXXX, Equifax and XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dispute the missed payments and late payments on this account. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I dispute the missed payments and late payments on this account. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

Please be advised that under the FCRA, you are obligated to conduct a reasonable reinvestigation of the disputed items. Failure to do so may result in legal action.

I am also requesting that you thoroughly investigate these items and provide me with written confirmation of the results of your investigation within 30 days, as required by the FCRA. If the information is found to be inaccurate or unverifiable, it must be removed from my credit report immediately. 
I have attached copies of the following documents to support my dispute : Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief