Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email address : XXXX Date : XXXXXXXX  To : Experian/ Equifax/ TransUnion XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate and Unverified Accounts Under the FCRA ( 15 USC 1681 et seq. ) and UCC 1-308 To Whom It May Concern : Experian/Equifax/TransUnion I, XXXX XXXX, am formally disputing the accuracy, completeness, and verifiability of certain information appearing on my Experian consumer report generated on XX/XX/2025. 
This dispute is submitted pursuant to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c prohibition of obsolete and inaccurate information 15 U.S.C. 1681e ( b ) requirement of maximum possible accuracy 15 U.S.C. 1681i reinvestigation duties Uniform Commercial Code ( UCC ) 1-308 Reservation of rights regarding any alleged contractual obligations not validated I reserve all rights without prejudice under UCC 1-308 .

ITEMS IN DISPUTE * * XXXX. XXXX XXXX XXXXXXXX Account # XXXX Status : Paid, Closed, {$590.00} Written Off * * This account is being disputed on the following grounds : No original signed contract has been provided proving I agreed to the alleged debt. 

The reporting of a charge-off after account closure appears inconsistent and unverifiable. 

The payment history contains inconsistent data, including missing month records ( " ND '' ), which violates FCRA 1681e ( b ) requiring maximum accuracy.

Prior disputes reflect inconsistent reinvestigation results. 


REQUEST : Please delete this account from my report unless XXXX XXXX XXXXXXXX provides : Complete account history Original application/contract with my wet signature Proof the charge-off was calculated lawfully Proof the balance was legally due after account closure If this information can not be verified within 30 days, you must delete it per 15 USC 1681i. 


XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Status : Closed, {$2500.00} balance, {$420.00} past due ( as of XX/XX/2025 ) XXXX XXXX This account is inaccurate for the following reasons : The account lists multiple delinquency codes ( 30/60/90/120/150 days past due ) within short intervals, which is potentially erroneous and duplicative reporting. 

The past due amount conflicts with the listed balance, indicating factual inaccuracy. 

No validation has been provided proving this debt is mine. 

The payment history shows months where payments were recorded as {$0.00} even while balances increased, which indicates internal errors by the furnisher. 


Under FCRA 1681e ( b ), a consumer report must reflect only accurate and verifiable data.

Under FCRA 1681i, unverifiable or inconsistent information must be removed.

REQUEST : Remove this account unless XXXX  XXXX provides : Full payment ledger Original signed contract Proof the delinquency codes were reported in compliance with the Metro 2 standard Proof the account balance and past-due amount were legally and accurately calculated Failure to validate requires deletion. 

FORMAL REQUESTS UNDER FEDERAL LAW I am demanding : 1. Complete reinvestigation of all disputed items ( 15 USC 1681i ).
2. Deletion of any item that can not be verified with proper legal documentation.

3. Written results of your reinvestigation.

4. An updated free credit report after completion ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ) ).

I do not consent to assumption, presumption, or unverifiable commercial claims.

I reserve all rights without prejudice under UCC 1-308. 


IDENTITY DOCUMENTS PROVIDED ( Attach copies when mailing ) Government ID Proof of address Copy of Experian report page showing disputed items Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief