Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear XXXX, I am writing to formally dispute inaccurate information on my credit report concerning the XXXX XXXX XXXX  The reported data contains several errors, which violate my rights under the Fair Credit Reporting Act ( FCRA ), codified in Title 15 of the U.S. Code 1681. I request an immediate investigation and correction of this information. 
Account Information in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Inaccuracies Identified : Payment History Errors : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. The payment history for XX/XX/XXXX reflects " 120 Days Past Due, '' while the account is listed as " Paid, Closed. '' This contradiction violates accuracy requirements.

Similarly, the delinquency statuses for XX/XX/XXXX ( " 60 Days Past Due '' ) and XX/XX/XXXX ( " 90 Days Past Due '' ) do not appear to align with the account closure in XX/XX/XXXX and the paid status. 
Comment Inconsistencies : The comments state : " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete, reported by data furnisher. '' These remarks require clarification and verification under 15 U.S.C. 1681i, which mandates reinvestigation when disputed information is contested.

Timeline Discrepancy : The " Last Payment Date '' is listed as July 18, 2023, yet the payment history does not accurately reflect compliance leading up to the closure of the account. This raises doubts about the accuracy and consistency of the reporting.

Under the FCRA, you are obligated to : Conduct a reinvestigation of disputed information within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ). 
Notify the data furnisher of my dispute and request verification of the information under 15 U.S.C. 1681i ( a ) ( 2 ).

Correct or delete any information that can not be verified as accurate under 15 U.S.C. 1681i ( a ) ( 5 ).

I have enclosed copies of my identification and any supporting documentation to assist with this process. Please notify me in writing of the results of your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to comply with these requirements may result in legal action to protect my rights, including claims for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance. 
I expect confirmation of receipt of this dispute and a resolution within the required timeframe. Should you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________

Company response to consumer: Closed with non-monetary relief