Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I pulled a copy of my Equifax credit report dated XX/XX/XXXX and Im disputing the way several accounts are being reported. I dont believe the information youre publishing on these tradelines is complete or fully accurate. 

Under 15 U.S.C. 1681e ( b ) youre required to follow reasonable procedures to assure maximum possible accuracy, and under 15 U.S.C. 1681i I have the right to dispute and ask for a reinvestigation. Im also asking you to confirm that you have a valid permissible purpose under 15 U.S.C. 1681b, and that any transactions or experiences data reported about me is handled in line with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ).

The specific accounts Im disputing are : XXXX  XXXX XXXX Credit Card Account type : Credit card, individual Opened around XX/XX/XXXX Reported balance : about {$14000.00} on a {$15000.00} limit, with a monthly payment around {$360.00} I dispute the way this account is being reported, including the balance, credit limit, dates, and current status. Please verify every data point you are publishing ( balance, limit, dates, utilization, payment history, remarks, etc. ) directly with the furnisher. If the furnisher cant provide complete documentation to support what youre reporting, I want this account removed from my file. 

XXXX XXXX XXXX XXXX XXXX Credit Card Shown as XXXX XXXX XXXX  Opened around XX/XX/XXXX Reported balance : about {$2800.00} with a {$3000.00} limit and a monthly payment around {$60.00} I dispute the accuracy and completeness of the way this account is being reported, including balance, limit, dates, and status. Please fully reinvestigate with the furnisher, and delete the tradeline if it cant be fully verified. 

XXXX XXXX Credit Card Opened around XX/XX/XXXX Reported balance : about {$2800.00} with a {$3200.00} limit and a monthly payment around {$56.00} I dispute the way this account is being reported on my file. Please verify the balance, limit, dates, payment history, and any remarks. If you can not document the accuracy of what youre publishing, I want this account removed. 

XXXX XXXX Credit Card Opened around XX/XX/XXXX Reported balance : about {$2200.00} with a {$3000.00} limit and a monthly payment around {$58.00} I dispute the accuracy and completeness of this tradeline as it appears on my report. Please verify the balance, limit, dates, utilization, and status with the furnisher, and delete the account if the information can not be fully verified. 

For each of the accounts above, Im asking you to : Conduct a full reinvestigation under 1681i, Confirm that there is and was a valid permissible purpose under 1681b to obtain and report this information, and Either correct any inaccurate or incomplete information or delete the account entirely if it can not be fully verified. 

Please send me : An updated copy of my Equifax credit report showing the results of this dispute, and A written explanation of how you verified each account, including what records you relied on. 

This is my own dispute letter and reflects my own concerns after reviewing my file. I expect your response within the time limit set by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief