Consumer complaint received 2025-10-23 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: HI

Complaint narrative:
[ Your Full Name ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, HI XXXX SSN : XXXX XXXX XXXX XXXX : XX/XX/XXXX Date : [ Insert Todays Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Deletion Pursuant to 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, for the immediate investigation and removal of inaccurate or unverified information appearing on my consumer credit reports.

Pursuant to 1681c-2, I am demanding that the following accounts be blocked and deleted from my credit file as they are inaccurate, unverifiable, or reported in violation of federal law : Accounts in Dispute XXXX XXXX XXXX XXXX Account XXXX : XXXX Balance : {$790.00} Status : Collection/Charge-off Bureaus Reporting : XXXX XXXX Equifax XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX {$790.00} Status : Collection/Charge-off Bureaus Reporting : TransUnion, Experian, Equifax XXXX Account # : XXXX XXXX : {$740.00} XXXX XXXX Late Over 120 Days Bureaus Reporting : XXXX XXXX Equifax XXXX XXXX Account # : XXXX Balance : {$200.00} Status : Collection/Charge-off XXXX Reporting : XXXX XXXX  XXXX XXXX Account # : XXXX Balance : {$140.00} Status : Collection/Charge-off Bureaus Reporting XXXX XXXX XXXX Equifax XXXX XXXX, XXXX Account # : XXXX XXXX : {$280.00} Status : Late 60120 Days XXXX Reporting : XXXX XXXX XXXX Equifax XXXX Account # : XXXX Balance : {$0.00} Status : Collection/Charge-off Bureaus Reporting : XXXX XXXX, Equifax These accounts are being disputed as inaccurate and unverifiable, and therefore must be deleted or blocked from all consumer credit reports maintained under my name pursuant to 15 U.S.C. 1681c-2 ( a ) ( 1 ).

Under this law : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from an alleged identity theft or that the consumer states is not accurate, not later than four business days after receipt of a valid request from the consumer. 

I request that each of the above items be deleted immediately or that you provide complete verification including the name and address of the original creditor, a copy of the signed contract or agreement, and all documentation used to verify the accuracy of the information. 
If you are unable to verify these accounts in full compliance with the FCRA, they must be deleted from my file and I must receive a written confirmation of deletion. 

Please send written confirmation of your findings to the address listed above within the time frame prescribed by law. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, HI XXXX SSN : * -- XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation