Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Collection, Negative, and Late Accounts - Request for Removal ( 15 U.S.C. 1692, 1681, 611, 623 ) ** Dear Equifax Dispute Resolution Team, I am writing to dispute the accuracy of certain negative items, including collection and late accounts, that appear on my Equifax credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and related sections ( 15 U.S.C. 611 and 15 U.S.C. 623 ), I am formally requesting verification, a thorough investigation, and removal of any unverified accounts. 
XXXX XXXX XXXX  Account Information Below are the disputed items on my credit report : **Account XXXX : - **Creditor Name** : XXXX XXXX XXXX - **Account Number** : XXXX - **Reported Balance** : {$530.00} - **Issue** : Late Payment -**ADDRESS** : XXXX XXXX XXXX XXXX **Account XXXX : - **Creditor Name** : XXXX XXXX **Account Number** : XXXX - **Reported Balance** : {$350.00} - **Issue** : Late Payment XXXX XXXX XXXX  FL XXXX **Account XXXX : - **Creditor Name** : XXXX XXXX - XXXX XXXX : XXXX - **Reported Balance** : {$1000.00} - **Issue** : COLLECTION -**Address** : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **Account XXXX : - XXXX XXXX XXXX XXXX  : - **Account Number** : XXXX - **Reported Balance** : {$950.00} - **Issue** : XXXX XXXX* : XXXX XXXX, CA XXXX XXXX. **15 U.S.C. 1692 ( FDCPA ) ** : Debt collectors are prohibited from reporting inaccurate or unverified information. I request documentation validating each accounts balance, date, and reporting accuracy. 2. **15 U.S.C. 1681 & 611 ( FCRA ) ** : The FCRA mandates that credit bureaus only report verified and accurate information. Under Section 611, I request a comprehensive investigation and documentation verifying each negative item. 3. **15 U.S.C. 623** : This section requires furnishers to report only accurate information. I request that Equifax ensure each account complies with this regulation by confirming the data with the furnisher.

# # # Requested Actions 1. **Verification and Investigation** : Please verify each account listed above and conduct a full investigation into their accuracy. If documentation proving their validity can not be provided, I request that these accounts be removed from my credit file permanently. 2. **Cease Collection and Reporting of Disputed Items** : While investigating, I request that Equifax cease collection and reporting activities for these items, as continued reporting of potentially inaccurate information harms my credit. 3. **Written Findings and Confirmation of Removal** : Please provide me with written confirmation of the results of your investigation. If verification can not be provided, I request immediate removal of these items. I have enclosed copies of my identification and a recent utility bill for identity verification. Thank you for your prompt attention to this matter. I look forward to a timely resolution and removal of any inaccurate, negative, or late accounts from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation