Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you for the fourth time regarding serious inaccuracies on my credit report that remain unresolved despite previous dispute attempts. These accounts are negatively affecting my life, limiting my financial opportunities, and contributing to significant emotional distress. I am requesting a full reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623, and for the following inaccurate or unverifiable items to be removed immediately if you can not validate them with adequate documentation from the original creditors.

Please consider this my formal dispute and reinvestigation request for each of the accounts listed below. I am also attaching a copy of my ID and proof of address as required. 
XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Charge Off XXXX XXXX  Issue : The account has been charged off, but I was never properly notified, nor was the information verified after previous disputes. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information ; 611 ( a ) ( 1 ) ( A ) Failure to reasonably reinvestigate disputed information.

Action Requested : Remove this account from my credit report due to unverifiable and incomplete reporting. 
XXXX. XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No verification documents have ever been sent. The amount reported is inconsistent. 
FCRA Violation : 609 ( a ) ( 1 ) ( A ) Right to request verification of accuracy and source of information.

Action Requested : Please delete this tradeline as it lacks proper verification and violates my rights under FCRA. 
XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate balance reporting and inconsistent dates.

FCRA Violation : 623 ( a ) ( 2 ) Duty to correct and update information.

Action Requested : Remove the account for inaccurate reporting and lack of verifiable documentation. 
XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX  Charge Off & Collection XXXX XXXX  Issue : This is a debt buyer account. No contract has been shown proving I owe them any debt.

FCRA Violation : 609 ( a ) ( 1 ) ( B ), 611 ( a ) ( 1 ) ( A ) Action Requested : Remove this item immediately unless the full chain of title and signed agreement is provided.

5. XXXX  # XXXX  Collection Issue : Inaccurate reporting and unverifiable details regarding the original account.

FCRA Violation : 611, 623 Action Requested : Remove due to unverifiable and outdated data. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX Collection Issue : Duplicate entry with XXXX  ; also lacks proof of debt and ownership.

FCRA Violation : 605 Obsolete information, 609 Verification Action Requested : Delete due to duplicate reporting and unverifiable debt. 
XXXX. XXXX XXXX ( Original Creditor : XXXX ) # XXXX Collection Issue : I have not received validation. The amount and history reported do not match XXXX records.

FCRA Violation : 609 ( a ) ( 1 ) Failure to verify debt Action Requested : Delete this item due to failure to validate and inaccurate information. 
XXXX. XXXX XXXX  # XXXX XXXX XXXX  Collection XXXX XXXX Issue : I do not recognize this account. It may be fraudulent or reported in error.

FCRA Violation : 611 Inaccurate information, 605B Blocking of information from identity theft victims.

Action Requested : Immediately remove the item unless full validation and original signed contract is provided. 
Inquiries to Review : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and may be considered unauthorized hard pulls under FCRA 604 .

Please provide documentation of authorization or remove them.

I have made multiple attempts to resolve these issues, but no meaningful action has been taken. This continued failure to correct or delete unverifiable data is a clear violation of my consumer rights under the FCRA. If these accounts are not corrected or removed within 30 days, I will be forced to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action.

This dispute is made in good faith, and I respectfully ask for a fair, thorough, and lawful reinvestigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief