Consumer complaint received 2025-10-22 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:
b'I am filing a complaint as a concerned consumer demanding the permanent deletion, not correction, of multiple inaccurate and unverifiable items that continue to appear on my credit file. These accounts and inquiries are not only harming my creditworthiness but also violating several provisions under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). I have made prior efforts to address these issues, but the continued reporting of these items demonstrates noncompliance and neglect of your legal duties under federal law.\nUnder FCRA  611(a)  15 U.S.C.  1681i(a), you are required to conduct a reasonable reinvestigation of any disputed information. Furthermore, FCRA  623(a)(1)(A)  15 U.S.C.  1681s-2(a)(1)(A) prohibits the reporting of any information known to be inaccurate, and FCRA  607(b)  15 U.S.C.  1681e(b) requires you to ensure maximum possible accuracy in all reporting. I am also invoking FCRA  605B / 15 U.S.C.  1681c-2, which grants me the right to have information resulting from fraudulent or unauthorized actions blocked and permanently deleted from my credit file.\nMy report currently reflects late closed accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both showing a balance of XXXX These accounts are fully satisfied and no longer valid for reporting. Their continued presence is misleading and constitutes a violation of my rights under the above provisions.\nAdditionally, there are charged-off accounts still being reported despite showing zero balances, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are outdated, paid, and unverifiable. Continued reporting of charge-offs that are no longer valid reflects a failure to maintain accuracy as required under the FCRA. They must be permanently removed, not corrected or updated.\nI am also disputing collection accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting and handling of these items violate FDCPA  807 (15 U.S.C.  1692e) for false or misleading representations and FDCPA  809 (15 U.S.C.  1692g) for failure to validate the debts properly. These accounts are inaccurate, unverifiable, and must be deleted in full compliance with FCRA  605B / 15 U.S.C.  1681c-2.\nIn addition, there are several unauthorized inquiries appearing on my file that were obtained without my consent or any permissible purpose under federal law. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These inquiries are in direct violation of FCRA  604(a)  15 U.S.C.  1681b(a), FCRA  604(f)  15 U.S.C.  1681b(f), and FCRA  619  15 U.S.C.  1681q, which restrict access to consumer credit reports to authorized and permissible purposes only. Their presence on my report is unauthorized and unlawful, and I am requesting their immediate and permanent removal.'

Company response to consumer: Closed with non-monetary relief