Consumer complaint received 2025-08-20 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SSN : XXXXXXXX  DOB : XX/XX/XXXXXXXX  Date : [ XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate/Unverified Information Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverified information appearing on my credit report prepared by XXXX  ( XXXX # XXXX, dated XX/XX/XXXXXXXX  ). 
Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of these accounts. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any previously deleted information is reinserted, you must obtain certification of accuracy from the data furnisher and provide me with written notice.

The following items are disputed as inaccurate, unverifiable, or incomplete : Negative Accounts in Dispute 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Status : Charge Off | Balance : {$470.00} | High Credit : {$470.00} This account is inaccurate, unverifiable, and must be removed. 
2. XXXX XXXX XXXX XXXX Account XXXX Status : Charge Off | Balance : {$20.00} | High Credit : {$60.00} This account is inaccurate, unverifiable, and must be removed. 
3. XXXX XXXX XXXX XXXXXXXX Account XXXX Status : Closed ; was 90119 Days Past Due | Balance : {$0.00} | High Credit : {$120.00} This account contains derogatory payment history that is inaccurate and unverifiable. 
4. XXXX XXXXXXXX XXXX XXXX  Account XXXX Status : Closed ; was 6089 Days Past Due | Balance : {$0.00} | High Credit : {$60.00} This account contains late reporting that is inaccurate and unverifiable. 
5. XXXX XXXX Dept of Education XXXX XXXX Various Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Status : Pays as Agreed/ Deferred | Negative History : Late payments reported from XXXX. 
These derogatory marks are inaccurate, unverifiable, and should be deleted. 
Hard Inquiry in Dispute Success XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Please provide documentation of my signed authorization or remove this inquiry immediately. 
Requested Action I request that Equifax : 1. Conduct a reasonable reinvestigation into each disputed item.
2. Delete any information that can not be verified as required by the FCRA. 
Provide me with the results of your reinvestigation within 30 days, including the name, address, and telephone number of each furnisher contacted. 
Ensure no previously deleted information is reinserted without proper certification and notice as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Please note that failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Arkansas Attorney Generals Office, and may preserve my right to seek remedies under 15 U.S.C. 1681n and 1681o.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation