Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth XXXX XXXX  SSN ( Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ XX/XX/XXXX ] To : Experian XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Immediate Deletion of All Unverified Negative Accounts To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate, unverifiable, or outdated information appearing on my credit reports. Under FCRA Section 609 ( a ) ( 1 ), I request full disclosure of the source, original documentation, and verification records for the accounts listed below.

Under FCRA Section 611 ( a ) ( 1 ) ( A ), the credit reporting agencies must conduct a reasonable reinvestigation within 30 days. If any account, payment, or derogatory mark can not be fully verified beyond any doubt, it must be deleted immediately under FCRA Section 611 ( a ) ( 5 ) ( A ).

Further, FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information, and FDCPA Section 807 ( 8 ) prohibits reporting false credit information. 



Accounts Under Dispute I am disputing all late payments, charge-offs, or negative items on the following accounts while requesting that all positive, on-time payment history remain intact : XXXX XXXX Account # XXXX XXXX XXXX Late payments : XX/XX/XXXX ( TransUnion & Equifax ), XX/XX/XXXX XXXX Experian XXXX XXXXXXXX XXXX Account # XXXX * * High Credit : {$21000.00} XXXX late payments : XX/XX/XXXX, XX/XX/XXXX ( All Bureaus ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Credit : {$16000.00} | Balance : {$16000.00} | Monthly Payment : {$450.00} XXXX late payments : XX/XX/XXXX, XX/XX/XXXX ( All Bureaus ) Past Due : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$31000.00} XXXX Balance : {$30000.00} | Monthly Payment : {$520.00} Any derogatory reporting must be verified or removed XXXX Account # XXXXXXXX XXXX XXXX  High Credit : {$210.00} | Balance : {$38.00} | Monthly Payment : {$39.00} Any negative marks must be verified or removed My Demands 1.Delete any negative, inaccurate, incomplete, or unverifiable information within 30 days per FCRA Section 611 ( a ) ( 5 ) ( A ).

2.Retain all positive payment history on every account listed.

3.Provide written confirmation of every deletion or correction within 5 business days of completion. 

Failure to comply will constitute willful noncompliance under FCRA Section 616 and civil liability under FCRA Section 617, subjecting all parties to federal action via the CFPB, FTC, and private legal remedies for damages.

I expect full compliance within the timeframe required by law. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief