Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed multiple disputes with Experian, Equifax and Trans Union to remove inaccurate personal information, accounts that are being reported inaccurately and/or do not belong to me. 

INACCURATE OR UNVERIFIABLE ACCOUNTS XXXX. Experian XXXX XXXX ( Collection ) Account Number : XXXX Status : Collection for {$1000.00} Issue : I have disputed this account multiple times. No proper validation has ever been provided. Experian marked it as " previously investigated, '' yet it remains without evidence or verification from the original creditor.

Law Violated : FCRA 611 ( a ), 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ) Relief Sought : Permanent deletion of this account from Experian. 

XXXX. Experian XXXX XXXX Account Number : XXXX Status : Charged-Off {$140.00} Balance Issue : No activity since XXXX, and no signed contract or chain of custody has ever been provided. Experian previously marked this account as disputed, then resumed reporting it as a charge-off without new documentation. 
Law Violated : FCRA 609 ( a ), 611 ( a ) ( 5 ), 623 ( a ) ( 2 ) Relief Sought : Deletion for failure to verify or update in compliance with Metro 2. 

XXXX. Equifax XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Status : Charged-Off {$140.00} Balance Issue : This is the same account as above but listed on Equifax. This item has been stagnant and continues to report inaccurate narrative codes ( e.g., 067, 002, 233 ) without updates, validation, or explanation.

Law Violated : FCRA 611 ( a ), 609 ( a ) ( 1 ), 623 ( a ) Relief Sought : Full deletion of this obsolete, unverifiable charged-off account. 

XXXX. Equifax XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Status : Pays As Agreed Issue : Despite being listed as positive, this account has reporting inconsistencies in balances, scheduled payments, and high credit limits. Narrative codes such as 229 and 233 were used inconsistently, and the account may not reflect current activity or actual usage.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), Metro 2 field violations Relief Sought : Reinvestigation or removal if data furnisher can not verify updated accurate data. 
XXXX. Trans Union Charged-Off Account XXXX XXXX Creditor : XXXX XXXX Account # : XXXX Balance : {$140.00} Status : Charged-Off Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX This account continues to be reported as a charge-off despite no activity since XX/XX/XXXX. It has remained stagnant and unverified, with no documentation provided such as a signed contract or chain of custody. 

Relevant Law Violated : FCRA 609 ( a ) ( 1 ) You are required to provide the source and method of verification FCRA 611 ( a ) ( 5 ) ( A ) Requires deletion if not verified within 30 days of dispute FCRA 605 ( a ) Negative information must not remain beyond 7 years Metro 2 Compliance Failure This account is reporting outdated derogatory remarks and narrative codes Demand : Immediately delete this charged-off account as it fails to meet federal accuracy, verification, and reporting standards.

6. Trans Union - Unauthorized Hard Inquiries My credit report shows multiple hard inquiries dated XX/XX/XXXX, including entries from : XXXX XXXX XXXX I did not authorize these inquiries and have never applied for credit with these entities. No contact information has been reported for these creditors, and I am unable to validate or challenge their legitimacy. 
Relevant Law Violated : FCRA 604 ( a ) ( 3 ) Permissible purpose is required for any hard inquiry FCRA 611 ( a ) Right to dispute information believed to be inaccurate or unauthorized Demand : Delete these inquiries immediately as they were unauthorized and unverifiable.

Company response to consumer: Closed with non-monetary relief