Consumer complaint received 2025-06-13 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: WA

Complaint narrative:
Social Security XXXX  BDay XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Investigation, Verification, and Correction of Credit Report To Whom It May Concern : I am writing under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ) to demand a formal investigation into multiple inaccuracies and unverifiable items on my credit report, file number associated with XXXX XXXX XXXX. The law requires you to ensure the information you report is accurate and up-to-date. 
My report contains significant errors that need immediate correction. Specifically, I am disputing the following information : * Unverifiable Account History : I have identified at least 13 closed accounts that I believe are unverifiable due to their age and my lack of records for them. You must verify every piece of information with the original creditor. If you can not provide absolute verification, you must update, or remove and delete this information from my credit file immediately.

Furthermore, it is my explicit demand that after your investigation is complete, my Equifax credit report must be updated to be completely accurate and identical to my reports at XXXX  and TransUnion. There should be no discrepancies between the three reports.

Please provide a written response within 30 days detailing the outcome of your investigation, a copy of my corrected report, and the method of verification used for any disputed item that remains. 
Sincerely, XXXX XXXX XXXX Social Security XXXX  BDay XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Investigation, Verification, and Correction of Credit Report To Whom It May Concern : I am writing under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ) to demand a formal investigation into multiple inaccuracies and unverifiable items on my credit report, file number associated with XXXX XXXX XXXX. The law requires you to ensure the information you report is accurate and up-to-date. 
My report contains significant errors that need immediate correction. Specifically, I am disputing the following information : * Unverifiable Account History : I have identified at least 13 closed accounts that I believe are unverifiable due to their age and my lack of records for them. A complete list is attached for your review.

For each of the items listed above and on the attached document, you are required to conduct a thorough investigation. You must verify every piece of information with the original creditor. If you can not provide absolute verification, you must update, or remove and delete this information from my credit file immediately. 
Furthermore, it is my explicit demand that after your investigation is complete, my XXXX  credit report must be updated to be completely accurate and identical to my reports at Equifax and TransUnion. There should be no discrepancies between the three reports.

Please provide a written response within 30 days detailing the outcome of your investigation, a copy of my corrected report, and the method of verification used for any disputed item that remains. 
Sincerely, XXXX XXXX XXXX Social Security XXXX  BDay XXXX  TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Demand for Investigation, Verification, and Correction of Credit Report To Whom It May Concern : I am writing under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ) to demand a formal investigation into multiple inaccuracies and unverifiable items on my credit report, file number associated with XXXX XXXX XXXX. The law requires you to ensure the information you report is accurate and up-to-date. 
My report contains significant errors that need immediate correction. Specifically, I am disputing the following information : * Unverifiable Account History : I have identified at least 13 closed accounts that I believe are unverifiable due to their age and my lack of records for them. You must verify every piece of information with the original creditor. If you can not provide absolute verification, you must update, or remove and delete this information from my credit file immediately.

Furthermore, it is my explicit demand that after your investigation is complete, my TransUnion credit report must be updated to be completely accurate and identical to my reports at Equifax and XXXX. There should be no discrepancies between the XXXX reports. 
Please provide a written response within 30 days detailing the outcome of your investigation, a copy of my corrected report, and the method of verification used for any disputed item that remains. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation