Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally request the removal of the XXXX XXXX account ( Account XXXX XXXXXXXX ) from my credit report. This account has already been deleted from my credit reports with XXXX and XXXX due to its unverifiability. The inability of the furnishers to provide the necessary validation and documentation proves that the account can not be substantiated. 

Details of the Issue Unverifiable and Inaccurate Information : Both XXXX and XXXX have confirmed, after their investigations, that the XXXX XXXX account could not be verified and therefore deleted the account from my credit report. Attached, you will find documentation of their decisions for your reference. 

Failure to Provide Requested Documentation : In my previous dispute, I requested specific documents to validate this account, including : Original signed contracts or agreements proving my obligation to pay this debt. 
Authenticated double-entry accounting records showing the breakdown of charges. 
Any additional documentation supporting the validity and accuracy of this account. 
These documents were never provided, which further proves that this account is unverifiable and should be removed from my Equifax credit report.

Obligations Under the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), Equifax must ensure the maximum possible accuracy of the information reported on my credit file. Continuing to report an unverifiable account violates this provision.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information can not be verified during a reinvestigation, the credit reporting agency is required to promptly delete the information from the consumers credit file. 
Inconsistency Across Credit Reports : The removal of this account by XXXX and XXXX demonstrates that the account is not accurate or substantiated. Continuing to report this account on my Equifax credit report creates inconsistencies that harm my creditworthiness. 

Request for Immediate Action Immediate Deletion : Remove the XXXX XXXX account ( Account XXXX XXXXXXXX ) from my Equifax credit report immediately. 

Provide Written Confirmation : Provide written confirmation of the accounts removal and an updated copy of my credit report within 10 days of receipt of this letter. 

Notice of Escalation If Equifax fails to delete this account or provide the required documentation, I will take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Submit a formal complaint to my state attorney general for violations of the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ). 
Pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA. 
I trust you will address this matter promptly and ensure compliance with your obligations under the FCRA. Thank you for your attention to this issue, and I look forward to your confirmation of the accounts removal.

Company response to consumer: Closed with explanation