Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX  summary shows no active accounts on Equifax while XXXX list multiple open tradelines and balances. This inconsistency suggests file-mixing or suppression errors. Please : XXXX. Run a full reinvestigation and correct/add any legitimate open accounts, or confirm that none exist, pursuant to 611. 
XXXX. Remove any derogatories or collections reported without full documentation. 
XXXX. Provide Method of Verification and the name/address/phone for each furnisher used ( XXXX ). 
XXXX. Confirm permissible purpose for all Equifax inquiries listed by XXXX  within the XXXX  window and delete any lacking authorization ( 604 ). 
XXXX. Implement heightened verification due to data-breach risks ; block or delete any item that can not be substantiated with original, signed records and XXXX  ( XXXX ). 
Please send me my updated Equifax report and XXXX  within XXXX  days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX copy of ID and proof of address ) XXXX ) Direct-Dispute to 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  I dispute the accuracy and completeness of this account. Specific errors : ( a ) Balance reported {$2500.00} exceeds original high credit {$1900.00} ; ( b ) No proof of assignment/chain-of-title ; ( c ) No itemized accounting or XXXX  ; ( d ) No signed contract linking me to the debt. 
Under 623 ( a ) ( 8 ) you must conduct a reasonable investigation and either correct or cease reporting. Provide within XXXX  days : Original signed application/contract or recorded acceptance ; Complete itemization from charge to present ; DOFD per 623 ( a ) ( 5 ) ; Chain-of-title and purchase/assignment documents ; Proof of my consent for any credit-pulls. 
Data-Breach/Heightened XXXX : Due to pervasive breaches, if you can not produce the above, delete and cease furnishing to all CRAs. Continuing to report unverified data violates XXXX ( a ) ( XXXX ) ( XXXX ). 
SincerelyXXXX 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  ( reported as charge-off ; sold/purchased by another lender ) You are reporting conflicting remarks ( charged off, purchased by another lender, unpaid balance reported as loss ). Provide within XXXX  days : XXXX signed agreement ; Charge-off calculation and itemized statements ; XXXX ; Proof of sale/assignment and the date you ceased ownership ; Confirmation that any third-party XXXX balance and dates match your records. 
If you can not substantiate, instruct all CRAs to delete. Reporting contradictory or outdated data violates XXXX ( a ) ( XXXX ) ( XXXX ). 
Sincerely, 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 Same deficiencies as above : conflicting charge-off/sale remarks, missing XXXX, missing contract, and lack of itemized accounting. Please delete or correct and notify XXXX. Provide MoV within XXXX  days.

Company response to consumer: Closed with explanation