Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to dispute and demand immediate reinvestigation and permanent removal of inaccurate and/or unverified items on my consumer file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I dispute the following accounts as inaccurate, incomplete, and/or improperly reported. Please reinvestigate and delete any item you can not verify within 30 days as required by law : XXXX XXXX XXXX / Collection Account # : XXXX ( as reported on my credit report ) Balance shown : {$930.00} Date Opened : XX/XX/2023 Status reported : Collection / XXXX / Account information disputed by consumer XXXX  XXXX ( Revolving / Credit Card ) Account # : XXXX ( as shown on report ) High Credit : {$290.00} / Credit Limit : {$300.00} Date Opened : XX/XX/2023 Reported balance / status inconsistent across files ( Charge-off on Experian ; Closed or {$0.00} on other bureaus ). 

XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX ( as shown on report ) Balance shown : {$19000.00} Date Opened : XX/XX/2023 Payment status : Charge-off / Charged off as bad debt ; comments show dispute resolved but consumer disagrees. 

( Enclosed : copies of the pages of my credit report showing these entries do not return originals. ) Legal basis and demands : Under 15 U.S.C. 1681i, you must reinvestigate disputed information, and if the information can not be verified, you must promptly delete it from my file. 
Under 15 U.S.C. 1681e ( b ) reporting agencies must maintain and report only accurate and complete information. These items are inconsistent, incomplete, and/or not properly verified.

Under 15 U.S.C. 1681s-2 ( b ), furnishers who report to CRAs must correct and update information after notification of dispute. If you verify these accounts with the furnisher, I demand you provide me, in writing, a copy of the documentation used to verify the account ( including chain of title, original signed contract, payment history, and any documentation showing assignment or sale to any collection agency ). If the furnisher can not provide adequate verification, you must delete the item and notify me in writing. 
If you reinvestigate and any item is verified, I demand a detailed description of the investigation, the name and contact information of the furnisher you contacted, and copies of any documents relied upon to verify the account. 

Requested actions : Reinstate my dispute flag while reinvestigation is pending and indicate on my credit file that the items are disputed by consumer. 

If you can not verify any of these items within 30 days, permanently delete them from my credit file. 

Provide written confirmation of the results of your reinvestigation and a copy of the updated credit report showing the deletion or correction. 

Send notice of deletion/correction to any third party who received my credit report with the inaccurate information in the last six months. 

AND THEY DID NOT COMPLY AT ALL TO ANY OF THESE REQUESTS

Company response to consumer: Closed with non-monetary relief