Consumer complaint received 2025-12-04 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 contacting you to formally demand the immediate removal of numerous items on my credit report that are inaccurate, unverifiable, and unauthorized. These entries are significantly affecting my credit profile and financial well-being. Federal law, under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), requires that you conduct a reasonable reinvestigation of disputed information, and under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), no information that can not be fully verified or substantiated should remain on my credit report.

Several accounts have been reported as late closed, which are completely inaccurate and unsupported. These accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} Experian, Equifax ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} TransUnion ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} Experian, Equifax, TransUnion ) * *. These accounts do not reflect my actual credit activity and can not legally remain on my credit report. 
In addition, there are multiple charge-offs reported without the proper 1099-C documentation for debts exceeding {$600.00}, in direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and 15 U.S.C. 605B / 15 U.S.C. 1681c-2. These include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( {$710.00} Experian, Equifax, TransUnion ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2300.00} Experian, Equifax, TransUnion ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} Experian, Equifax, TransUnion ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} Experian, Equifax, TransUnion ). The reporting of these charge-offs is invalid, and they must be deleted immediately. 
Furthermore, several collection accounts have been reported inaccurately and without proper validation, violating FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and 15 U.S.C. 1681c-2. This includes XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Experian, TransUnion ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2200.00} Equifax XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2200.00} Experian, TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * ( {$2200.00} Equifax ) XXXX and * XXXX XXXX ( {$3000.00} TransUnion ). Additionally, accounts like XXXX XXXX * ( {$940.00} Experian, TransUnion ), XXXX XXXX * ( {$280.00} Equifax ), and XXXX XXXX XXXX * * * * * * * * ( {$4500.00} Experian, Equifax, TransUnion ) * * are inaccurate, misleading, and must be removed without delay. 
I am also disputing unauthorized hard inquiries conducted in violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). These include, but are not limited to : XXXX XXXX XXXX  ( XX/XX/XXXX Experian ), XXXX XXXX XXXX ( XX/XX/XXXX Experian ), XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian ), XXXX XXXX ( XX/XX/XXXX Experian ), XXXX XXXX XXXX ( XX/XX/XXXX Experian ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX Experian XXXX, XXXX XXXX XXXX  ( XX/XX/XXXX Experian ), XXXX XXXX  ( XX/XX/XXXX Experian ), XXXX  ( XX/XX/XXXX Equifax ), XXXX  XXXX XX/XX/XXXX Equifax ), XXXX XXXX XXXX ( XX/XX/XXXX Equifax ), XXXX XXXX XX/XX/XXXX Equifax )XXXX XXXX XXXX XX/XX/XXXX Equifax ), XXXX XXXX XX/XX/XXXX Equifax ), XXXX XXXX XX/XX/XXXX Equifax XXXX, XXXX XXXX XX/XX/XXXX TransUnion ), XXXX XXXX XXXX ( XX/XX/XXXX TransUnion XXXX XXXX XXXX ( XX/XX/XXXX TransUnion ), and XXXX XXXX XXXX XX/XX/XXXX TransUnion ). I did not authorize any of these inquiries, and they must be deleted immediately.

Company response to consumer: Closed with non-monetary relief