Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that wouldmake me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations.We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : -- I am writing to dispute the inaccurate reporting of the account XXXX XXXX XXXX with the number XXXX on my credit report. Your records indicate that this account is listed as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity on XXXX, and was last verified on XXXX. This information is not correct, and I request that this account be deleted from my credit report immediately. 
Under 15 U.S.C. 1681s-2, creditors and credit reporting agencies are required to report accurate information. I also request that you provide detailed documentation showing how this account was verified, along with evidence supporting the claim that I owe the {$0.00}, which I dispute. 
XXXX significant legal cases highlight the importance of accurate reporting. Firstly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized that credit reporting agencies must remove inaccurate or unverifiable information promptly. 
This case clearly supports my request for the removal of this inaccurate entry from my credit report. 
Secondly, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) further established that a failure to investigate a disputed item adequately can lead to liability under the FCRA. The court found that a lack of thorough investigation violates the rights of consumers, thereby requiring the removal of incorrect information. 
In light of these precedents, I expect this matter to be resolved promptly and in accordance with federal law. 
I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
A

Company response to consumer: Closed with non-monetary relief