Consumer complaint received 2025-04-08 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:
This is my second formal dispute regarding several inaccurate and unverifiable entries appearing on my credit report. Im extremely concerned that these accounts, despite being previously challenged, remain on fileviolating the Fair Credit Reporting Act ( FCRA ) and harming my financial well-being.

Below, I have outlined each disputed item, with clear instructions and legal grounds for deletion or correction. I am requesting a full reinvestigation under FCRA 611 [ 15 U.S.C. 1681i ], as your failure to act thus far suggests noncompliance. 
Disputed Accounts & Legal Grounds 1. XXXX XXXX XXXX Charge Off Reason : This account is not mine. No signed contract or verification has been provided. 
Violation : FCRA 611 Failure to verify within 30 days.

Action Requested : Delete immediately for lack of proper verification.

2. XXXX XXXX XXXX Payments Reason : The payment history is inaccurate and does not reflect actual payment activity. 
Violation : FCRA 607 ( b ) Lack of maximum possible accuracy.

Action Requested : Conduct a full reinvestigation with the original creditor. Correct or delete.

3. XXXX XXXXXXXX # XXXX / # XXXX Late Payments Reason : Duplicate accounts reporting late payments, XXXX of which XXXX be fraudulent. 
Violation : FCRA 611 & FDCPA 807 ( 8 ) False or misleading representation of debt.

Action Requested : Remove all duplicates and unverifiable late payments.

4. XXXX XXXX XXXX XXXX XXXX  XXXX Late Payments Reason : Same creditor, XXXX separate accounts, both showing inconsistent history. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing false information.

Action Requested : Verify both accounts with full documentation or delete.

5. XXXX XXXX Charge Off Reason : This debt is time-barred under state statute of limitations and unverifiable. 
Violation : FCRA 605 ( a ) Reporting obsolete information.

Action Requested : Delete immediately. 
6. XXXX XXXX Payments Reason : Payment record is inconsistent with personal financial statements. 
Violation : FCRA 611 Failure to investigate prior dispute.

Action Requested : Correct payment history or delete. 
7

. XXXX  Charge Off Reason : No original agreement or signature provided as verification. Violation : FCRA 609 ( a ) ( 1 ) Right to request full disclosure of account. Action Request
ed : Delete if creditor can not produce original signed documentation.

8. XXXX  # XXXX XXXX XXXX Payments Reason : XXXX entries of the same student loan, both reporting inconsistently. 
Violation : FCRA 607 ( b ) Lack of accuracy.

Action Requested : Remove duplication and correct reporting errors.

9. XXXX FCU / XXXX FEDERAL XXXX XXXX Late Payments Reason : This account was in dispute due to financial hardship and COVID-related deferment. Still reported as late. 
Violation : CARES Act Compliance & FCRA 623 ( a ) ( 1 ) ( B ).

Action Requested : Remove or correct payment history.

10. XXXX XXXX XXXX / XXXX Collection Reason : Same debt reported twice under different namesdouble jeopardy. 
Violation : FDCPA 807 ( 2 ) ( A ) Misrepresentation of debt status.

Action Requested : Remove one and verify the remaining with original creditor info. 
Incorrect or Outdated Addresses to Be Deleted These addresses are either not associated with me or are outdated and should be permanently removed under FCRA 605 ( a ) : XXXXXXXX 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 XXXXXXXX, FL XXXX Hard Inquiries Suspected Unauthorized Access These inquiries were made without my consent or without a permissible purpose as required under FCRA 604 ( a ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX TBOM/ATLS/ASPIRE XX/XX/XXXX If these entries can not be verified or corrected within 30 days, as mandated by FCRA 611 ( a ) ( 1 ), they must be deleted from my report. Failure to comply will result in formal complaints to the CFPB, FTC, and legal counsel. 
I expect prompt and full compliance with this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation