Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Remove all negative accounts!!!

Here is a * * Consumer Financial Protection Bureau ( CFPB ) * *. This complaint references your legal rights under * * 15 U.S.C. 1681 ( Fair Credit Reporting Act ) * * and requests the * * removal of all negative accounts * * that are inaccurate, unverifiable, or outdated. 

# # # Credit File Complaint Letter ( FCRA 15 U.S.C. 1681 ) * * XXXX XXXX * * XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) ( XXXX ) * * Date : * * XX/XX/year> * * To : * * [ XXXXnsert Credit Bureau Name ] [ Insert Address of Credit Bureau ] -- - * * Subject : Formal Complaint and Request for Removal of Inaccurate and Unverified Accounts Under 15 U.S.C. 1681 * * To Whom It May Concern, I am writing to file a formal complaint regarding several inaccurate, outdated, or unverified items being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S.C. 1681i * *, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. 

I request an immediate investigation and removal of the following accounts unless they can be fully verified through documentation from the original creditor, as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status * * : 90 Days Late * * * Reported * * : XX/XX/year> * * * Dispute * * : I dispute the accuracy of the reported late payments. This account may be reporting inaccurately or without proper validation. Please investigate and remove if not fully verified. 

-- - # # # XXXX. XXXX XXXX * * * Account Number * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status * * : Collection / Charge-Off * * * Reported * * : XX/XX/scrub>XXXX XXXX XXXX XXXX  Dispute * * : This account has been paid but is still reported negatively. Reporting a paid charge-off as derogatory is misleading. Please remove this account or update the status accurately. 

-- - # # # XXXX. XXXX ( XXXX ) * * * Account Number * * : [ Not listed ] * * * Dispute * * : This item lacks sufficient information to verify or validate the debt. I request documentation from the original creditor or full removal of this entry. 

-- - # # # XXXX. XXXX XXXX * * * Account Number * * : XXXX * * * * * * * Status * * : Collection / Charge-Off * * * Reported * * : XX/XX/year> * * * Dispute * * : This account has been disputed previously and is marked as such. However, derogatory reporting continues. If proper verification from the original creditor can not be provided, this item must be deleted per FCRA.

-- - # # # Legal Reference : As per * * 15 U.S.C. 1681i * *, you are required to : * Complete a reinvestigation within * * 30 days * * of receiving this dispute; * * * Delete or correct * * any unverifiable or inaccurate information; * Provide me with a * * written summary * * of your findings. 

If you fail to comply, I will escalate this matter to the * * Consumer Financial Protection Bureau ( CFPB ) * * and may seek legal remedy.

Please respond in writing once the investigation is complete. Enclosed are a copy of my government-issued ID and proof of address ( utility bill or bank statement ) to verify my identity. 

Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX, TX XXXX ---

Company response to consumer: Closed with non-monetary relief