Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX [ Credit Bureaus Name : Experian, Equifax, or TransUnion ] [ Address ] [ City, State, ZIP Code ] Re : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing inaccurate and unverifiable information currently being reported on my credit file. The following accounts, public record, and inquiries are either inaccurately reported, unverifiable, outdated, incomplete, or have no permissible purpose and must be corrected or removed. 

Accounts in Dispute XXXX  XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account No. : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. : XXXX XXXX XXXXXXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account No. : XXXXXXXX XXXX XXXXXXXX XXXX Multiple Account Nos. : XXXXXXXX XXXX XXXX ( duplicate entries ) XXXX XXXX XXXX Account No. : XXXX XXXX XXXX  Account No. : XXXXXXXX XXXX XXXXXXXX BANK Account No. : XXXXXXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX  Also disputed : Any additional charge-offs, collections, repossessions, or public records not listed above. 

Any late payments ( XXXX, XXXX, XXXX days ) reported without documented evidence of delinquency. 

Public Record Bankruptcy ( Reinserted ) This public record must be deleted immediately unless you can provide full legal documentation. 

Inquiries to Be Removed ( No Permissible Purpose ) I dispute the following unauthorized hard inquiries, which must be removed under 15 U.S.C. 1681b : XXXX XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( Experian ) XXXX XXXXXX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( Experian ) XXXX OF XXXX XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXXXX/XX/XXXX XXXX TransUnion ) XXXX XXXX XXXX  XX/XX/XXXX XXXX Experian ) XXXX XXXX XXXX XX/XX/XXXX ( Experian XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Legal Rights Under the FCRA Under the Fair Credit Reporting Act ( FCRA ) : You are required to investigate each of these disputes and forward all relevant information to the furnisher. 

The furnisher is obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate or unverifiable data.

Requested Action Accordingly, I request that you : Initiate an immediate investigation into each of the above-listed accounts, public record, and inquiries. 

Provide me with written results of your investigation, including all details supplied by the furnishers. 

Remove or correct all inaccurate, unverifiable, or unauthorized information from my file. 

Failure to comply with these requirements will constitute a violation of federal law, for which I reserve the right to pursue all legal remedies. 

I expect your full compliance and response within the statutory time frame. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief