Credit reporting or other personal consumer reports — EQUIFAX, INC. (GA)

Their investigation did not fix an error on your report. To Whom It May Concern : This letter serves as both a formal dispute and notice of intent to initiate legal action against Equifax Information Services LLC and Experian, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), for willfully and negligently reporting and maintaining false information related to an account allegedly furnished by XXXX XXXX XXXX XXXX XXXX. I. FACTUAL BASIS The subject account is not mine, and I disputed its accuracy on multiple occasions. Despite this, it was repeatedly verified and re-reported on my credit file without any meaningful investigation. The tradeline was previously removed, then reinserted without the statutorily required written notice within five ( 5 ) business days, in