Consumer complaint received 2025-11-07 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 submitting a formal dispute regarding several accounts on my Equifax credit report that I believe are inaccurately reported. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account is reported as charged off, but no corresponding payment history or proof of the charge-off status has been provided. I respectfully request full verification and documentation of this account status. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is inaccurately reported as charged off. I request that full verification and supporting documentation be provided. If this information can not be verified, I request its removal from my credit report. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is listed as a charge-off. I have no recollection of the account and request proof of its validity. Please provide detailed information about this account. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account is incorrectly listed as charged off. I request that the account status be clarified with supporting documentation or removed if not validated. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$85.00} Dispute Reason : The account balance is incorrectly reported. Please verify the details of this account, including the current status and balance. If the information can not be validated, it should be removed. 

Late Payments : XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : There are late payments associated with this account that I do not recall. Please provide verification and supporting documentation of these late payments. 

XXXX Account Number : XXXX Dispute Reason : The late payments listed on this account need to be validated. I request documentation proving the accuracy of the reported payment history. 

XXXX  ( XXXX ) I am formally disputing several accounts listed on my XXXX  credit report that I believe may be inaccurately reported. The details of the accounts are listed below : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account is marked as charged off, but I have not received sufficient verification of this status. Please provide documentation verifying the charge-off. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The reported charge-off status is inaccurate. Please verify this information and provide supporting documentation or remove it from my report. 

XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$44.00} Dispute Reason : The charge-off status for this account is unclear. Please provide verification and documentation of this accounts status. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account appears to be reported incorrectly as charged off. I request full verification or removal of this account. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$62.00} Dispute Reason : This account is listed as charged off, but I have no recollection of it. Please verify its existence and provide supporting documentation. 

Late Payments : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : The late payments on this account need to be verified. I request supporting documentation. 

XXXX Account Number : XXXX Dispute Reason : The late payments reported on this account are disputed. Please provide detailed verification of the payment history.

Company response to consumer: Closed with non-monetary relief