Consumer complaint received 2025-05-05 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX. XXXX XXXX XXXX GA XXXX Subject : Request for Reinvestigation and Deletion of Inaccurate Items under FCRA ( Round XXXX ) Dear Equifax Dispute Department, I am writing to formally dispute several inaccurate and potentially unverified items appearing on my Equifax credit report. These items are damaging my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681e ( b ), which require all information in my credit report to be complete, accurate, and verifiable. 
This is my fifth dispute attempt, and I request that you conduct a thorough reinvestigation of the following accounts : XXXX Accounts : XXXX. XXXX o Account # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Credit : {$1000.00} o Issue : This account shows late payments which I do not acknowledge. I request a detailed breakdown of these alleged lates or the immediate removal of this inaccurate reporting. 
XXXX. XXXX XXXX Account # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Credit : {$120.00} o Issue : The account inaccurately lists late payments. No proof of delinquency has been provided in prior investigations. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX * * o Date Opened : XX/XX/XXXX o High Credit : {$630.00} o Issue : This is an old collection account that has not been validated with any original creditor documentation. This violates FCRA XXXX of the FDCPA, requiring debt validation upon request. 
XXXX. XXXX XXXX XXXX Account # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Credit : {$1000.00} o Issue : This charge-off is outdated and unverifiable. No proof of contract, statements, or payment history has ever been provided. 
XXXX. XXXX XXXX Account # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Credit : {$15000.00} o Issue : This collection account has no verifiable chain of assignment or original creditor contract. It XXXX also be a duplicate of another listing. Please verify and remove if not 100 % accurate. 
________________________________________ Disputed XXXX Inquiries : I am also disputing the following hard inquiries that were either unauthorized or lack permissible purpose under FCRA 604. If you can not provide proof of my written consent or a legitimate business purpose, please delete them immediately : XXXX XX/XX/XXXX FAMILY XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ________________________________________ Resolution Requested : Please reinvestigate each of these accounts and inquiries. If you are unable to verify the accuracy and legitimacy with original documentation from the furnishers, I request their immediate deletion from my credit report. I also request a free updated copy of my credit report reflecting the results of your investigation, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and possibly legal action for continued FCRA violations. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief