Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the deletion or correction of inaccurate and potentially damaging information that appears on my credit report with your bureau. This information does not accurately reflect my credit history and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

I am requesting a thorough reinvestigation of the following accounts and entries. If the listed items can not be verified with accurate, up-to-date documentation within the 30-day investigation period, I respectfully demand that they be deleted from my credit report immediately, as required by law. 



Disputed Items XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Status : Collection Account {$3900.00} Issue : I do not recognize this debt and was never notified of any delinquency or collection. If it can not be verified with documentation proving ownership and authorization, it must be removed. 

XXXX XXXX ( Account ending in XXXX ) Status : 30 Days Late Issue : I made timely payments to this account. The late payment reporting is inaccurate and must be either corrected or deleted if not fully verified with date-stamped statements. 

XXXX XXXX XXXX ( Account ending in XXXX ) Status : 120 Days Late Issue : I dispute this payment history. It is not supported by my records and has not been verified. I request immediate reinvestigation and deletion if unverifiable. 

XXXX XXXX ( Account ending in XXXX ) Status : Charged-off / Sold Issue : No substantiating documentation has ever been provided to me. This item must be removed unless it can be validated. 

XXXX XXXX ( Account ending in XXXX ) Status : Charged-off, 120+ Days Late Issue : I challenge the accuracy of this entry and request documentation supporting its reporting. 

Personal Information - Name Variations Listed Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : These are incorrect. My legal name is XXXX XXXX XXXX, and only this name should appear on my credit report to prevent file confusion. 


Personal Information Errors Numerous inaccurate names appear ( e.g. XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). 
My legal name is : XXXX XXXX XXXX. 
These incorrect entries create file mixing and potential identity confusion, in violation of FCRA 1681e ( b ). 


Derogatory Accounts Multiple accounts show derogatory payment history ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 
I dispute these as unverified and damaging. They must be deleted or properly validated. 

Excessive Hard Inquiries Over 20 inquiries appear in 24 months, including duplicate and unauthorized entries. These inquiries violate my privacy rights and impact my score unjustly. 

Your Legal Obligations Under the Fair Credit Reporting Act : You must complete a reasonable reinvestigation of any disputed items ( 15 U.S.C. 1681i ).

If the information can not be verified within 30 days, it must be removed ( Section 1681i ( a ) ( 5 ) ( A ) ). 
Any unverifiable, outdated, or inaccurate information must be promptly deleted or corrected ( Section 1681e ( b ) ).

FCRA 1681i Right to dispute and request reinvestigation.

FCRA 1681e ( b ) Right to expect maximum accuracy.

CFPA 1036 Unfair, deceptive, or abusive acts and practices.

Delete all unverifiable, inaccurate, or unauthorized items.

Provide written confirmation of the actions taken.

Correct all name entries to reflect only my legal identity. 


thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ny XXXX

Company response to consumer: Closed with non-monetary relief