Consumer complaint received 2025-08-27 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the following item listed on my Equifax credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), I am requesting a reinvestigation of the account reported by XXXX XXXX XXXX XXXX XXXXXXXX ( Account # ending in XXXX ), which appears on my credit report dated XX/XX/year>. 

This debt has been marked as PAID, with a XXXX balance. However, under the FCRA Section XXXX ( a ), paid collection accounts are not required to remain on a consumer credit file and I am requesting this be removed as it is no longer relevant or accurate in reflecting my current creditworthiness. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, if the debt has been satisfied and verified as resolved, continued reporting of this item without proper notice or necessity constitutes inaccurate reporting.

I demand that this account be deleted from my Equifax credit file. Please conduct a full reinvestigation and provide a response in writing within 30 days as required by federal law.

Attached is a copy of my government-issued ID and a copy of my Equifax credit report with the account in question highlighted. If you are not the correct party to handle this, please forward it immediately to the proper department.

Under FCRA Section 611 ( 1681i ), I am requesting that Experian conduct a reasonable reinvestigation of this account. I also invoke FCRA Section 609 ( 1681g ) and request full verification and documentation of the accounts origin and reporting data, including any contracts or original signed agreements you have on file.

Furthermore, per FCRA Section 623 ( 1681s-2 ), furnishers of information are required to report accurate and complete data. If this information can not be fully verified, it must be removed promptly.

Additionally : - Under FCRA Section 605 ( a ), outdated negative information may not be reported after 7 years.

- Under Section 605B ( 1681c-2 ), if identity theft is suspected or confirmed, the tradeline must be blocked from reports.

- Under 15 U.S. Code 6802, my personal financial information must be handled with confidentiality Accounts Under Dispute Diversified Adjustments XXXX Balance paid want permanently removed I formally request that you investigate this matter, delete or correct the erroneous entry, and provide written confirmation of your actions. Please complete this reinvestigation within 30 days as required by law. 
I am writing to formally dispute several hard inquiries that appear on my. 
According to the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : - FCRA Section 609 ( a ) ( 1 ) : The right to request and receive full disclosure of all information in my file, include - FCRA Section 611 ( a ) : The right to dispute inaccurate, incomplete, or unverifiable information and request - FCRA Section 605B : The right to block or remove information resulting from identity theft or unauthorized I am writing to formally dispute several hard inquiries that appear on my Experian credit report. I am request According to the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : - FCRA Section 609 ( a ) ( 1 ) : The right to request and receive full disclosure of all information in my file, include - FCRA Section 611 ( a ) : The right to dispute inaccurate, incomplete, or unverifiable information and request - FCRA Section 605B : The right to block or remove information resulting from identity theft or unauthorized These entries are causing significant harm to my creditworthiness. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 and formally requesting a full reinvestigation into these accounts. If the accounts can not be verified with complete and accurate documentation from the original creditors, I request their immediate removal from my credit file.

Additionally, if verification is possible but late payment information is determined to be outdated or unreflective of my current payment history, I am requesting that the late payments be removed as a goodwill adjustment Please notify me in writing of the results of your reinvestigation within the timeframe permitted by law. I have included copies of my ID and proof of address for identity verification purposes.

Also to formally dispute the continued reporting of my student loans Under FCRA Section 609, I am requesting documented proof that I provided authorization for these inquiries. If this verification can not be provided, I request that these inquiries be permanently deleted from my Experian report.

These accounts are currently open and in good standing. However, the historical late payments reported are having a disproportionate and unfair impact on my creditworthiness.

1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information This law mandates that no financial institution shall disclose or share personal financial information without the consumers consent. Any reporting of my student loan information or any other data without my permission is a violation of this law.

2. FCRA Section 605B - Blocking of Information Resulting from Identity Theft This section protects consumers from having fraudulent information reported as a result of identity theft. Any information added to my credit report without my explicit authorization, as outlined under this law, must be removed immediately.

According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

3. 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance Under this section, credit reporting agencies are liable if they willfully fail to comply with the FCRA. If you continue to report inaccurate information after receiving this dispute, you could be subject to damages. As a consumer, I reserve the right to pursue legal action if my rights under this section are violated.

4. FCRA Section 611 - Procedure in Case of Disputed Accuracy This law requires that if any item is disputed, the consumer reporting agency must investigate and respond promptly. Failure to do so could result in the violation of my rights under this section.

5. FCRA Section 609 - Disclosure of Consumer Information and Disputes I am entitled to a full and accurate disclosure of my file to ensure that any negative item reported has been verified with proper authorization. I demand that these items be investigated and validated with the original creditor ; otherwise, they should be removed.

6. FCRA Section 623 - Responsibilities of Furnishers of Information Entities that furnish information to credit reporting agencies are required to provide accurate information. Any entity that has reported incorrect or unverifiable information is in violation of this law.

Additional Laws to Support My Dispute : 15 U.S. Code 1681c - Requirements Relating to Information on Consumers Negative information such as late payments should not be reported beyond the specified period. Any outdated or unverifiable negative information should be removed promptly.

15 U.S. Code 1692e - False or Misleading Representations Any false or misleading information on my credit report is a violation of this section, and the reporting agencies are legally obligated to rectify these errors.

I trust that you will act swiftly to investigate these accounts and remove any information that can not be verified or does not comply with the laws mentioned above. Failure to do so may result in further action to protect my rights under the Fair Credit Reporting Act and other consumer protection statutes.

These accounts are outdated, have questionable reporting accuracy, or no longer meet fair reporting standards under the FCRA. I am invoking my rights under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Obsolete or outdated information must not be reported If you can not verify these accounts with complete documentation from the data furnishers, they must be deleted immediately. 



Sincerely

Company response to consumer: Closed with explanation