Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax, Experian, and TransUnion for the continued reporting of inaccurate, unverifiable, and misleading information on my credit reports. Despite prior disputes, these credit bureaus have failed to remove accounts and inquiries that are either unauthorized, unverifiable, or inaccurately reported violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX Account XXXX XXXX ( Account # XXXX ) This account is listed as a charge-off with a balance of {$830.00}. Under IRS regulations, any forgiven or canceled debt over {$600.00} requires a 1099-C form. I have not received such documentation. Per FCRA Sections 607 ( b ) and 609 ( a ) ( 1 ), CRAs must ensure maximum possible accuracy and provide all supporting documentation. Section 611 ( a ) requires deletion of unverifiable data, and Section 623 ( b ) ( 1 ) mandates that furnishers correct or delete inaccurate information. Because Capital One has not substantiated this tradeline, I am requesting its immediate removal from all three reports. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX ( Account # XXXX ) This account is being reported as a repossession with a {$0.00} balance, which is misleading. If no balance remains and the account has been resolved, the repossession status is not valid without proof. FCRA Sections 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ) prohibit continued reporting of derogatory information that is inaccurate, unverifiable, or outdated. I request full deletion unless XXXX can provide all legally required repossession documentation. 

XXXX. Late/Closed Accounts XXXX XXXX XXXX XXXX XXXX Accounts ) Account # XXXX Account # XXXX Account # XXXX These accounts are showing late payment histories despite being closed with {$0.00} balances. Per FCRA Section 623 ( a ) ( 2 ), furnishers must update inaccurate information promptly. Section 607 ( b ) demands maximum accuracy, and Section 611 ( a ) allows me to dispute and request removal of unverifiable items. Continued negative reporting on paid, closed accounts is harmful and misleading, and I request their immediate deletion. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) This debt is unfamiliar to me, and no validation has been provided. Under FCRA Sections 609 ( a ), 623 ( b ), and 602 ( b ), and FDCPA Section 807, I am entitled to verification of this debt and protection against false representation. As no proof has been sent, I request permanent deletion from all reports.

5. TransUnion-Specific Collections ( Not Belonging to Me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$500.00} XXXX XXXX ( The XXXX ) Account # XXXX Balance {$9100.00} These two collections do not belong to me. TransUnion has previously claimed my dispute was third-party submitted, which is false. I am acting on my own behalf. If these accounts can not be verified with original documentation, they must be deleted under FCRA Sections 611 ( a ), 607 ( b ), and 609 ( a ) ( 1 ).

Company response to consumer: Closed with explanation