Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am writing to dispute several inaccurate and unverifiable accounts appearing on my credit report dated XX/XX/XXXX, as provided by XXXX  These items are damaging my credit profile and are being reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 607 ( b ), 609 ( a ), and 611 ( a ). This letter excludes bankruptcy-related disputes and focuses strictly on non-bankruptcy errors. 

Please investigate and correct or delete the following accounts unless verifiable documentation ( signed agreements, billing records, or payment history ) is available. In the absence of proper verification, the FCRA requires their removal within 30 days. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported By : TransUnion, Equifax Account # : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX Issue : Listed as a collection account with no documentation of original creditor agreement or debt validation under 15 U.S.C. 1692g. 
Request : Delete for unverifiable debt and assignment issues. 

XXXX. XXXX XXXX Reported By : All Bureaus Account # : XXXX Balance : {$190.00} Issue : Shows as collection account without prior notice of delinquency or collection placement. No documentation has been provided. 
Request : Remove unless verified with itemized billing and consumer contract. 

XXXX. XXXX XXXX Reported By : All Bureaus Account # : XXXX Balance : {$50.00} Issue : Account is in collections, but conflicting reporting dates and lack of payment history raise concerns of re-aging. 
Request : Remove unless fully validated. 

XXXX. XXXX XXXX Reported By : Experian, Equifax Account # : XXXX Balance : {$0.00} Issue : Account marked closed but lacks a payment history or explanation of usage. Inconsistent status and blank payment fields suggest incomplete data. 
Request : Delete due to incomplete and unverifiable reporting. 

XXXX. XXXX XXXX Reported By : All Bureaus Account # : XXXX Balance : {$0.00} Issue : Shows 120+ days past due despite {$0.00} balance and paid satisfactorily notations. This contradictory reporting is misleading. 
Request : Correct payment status or delete if unverifiable. 

XXXX. XXXX XXXXXXXX XXXX  Account ( XX/XX/XXXX ) Reported By : All Bureaus Account # : XXXX Balance : {$320.00} | Limit : {$300.00} Issue : Reporting high utilization exceeding limit. No record of delinquency, but bureaus show inconsistent status and updates. 
Request : Update credit limit and correct payment status if no missed payments exist. 

XXXX. XXXXXXXX XXXX  Reported By : All Bureaus Account # : XXXX Opened : XX/XX/XXXX Issue : Payment status is listed as Unrated or bankruptcy despite the account showing no balance and no payment activity since XXXX. No collections, no recent updates, and no reason for derogatory code. Still on credit after 7 year period Request : Remove derogatory or ambiguous status and update account as closed paid as agreed unless evidence shows otherwise XXXX. XXXX XXXX XXXX ( Non-Bankruptcy Accounts ) Accounts : XXXX and XXXX Reported By XXXX XXXX XXXX Balance : {$0.00} Issue : Inconsistent closure dates and vague payment status ; some show fixed rate or blank histories despite on-time repayment. 

Issue : Both accounts are closed and paid, yet still show mixed or unclear payment statuses. Some reports show closed paid as agreed, others show fixed-rate or outdated activity. 
Request : Harmonize reporting and confirm that payment history, closure date, and status reflect that the accounts were paid satisfactorily without derogatory remarks. 
Request : Harmonize reporting and confirm accurate, positive status. 

XXXX. XXXX XXXX Reported By : All Bureaus Account # : XXXX Balance : {$0.00} | Opened : XX/XX/XXXX Issue : Account shows closed and {$0.00} balance but includes unrelated derogatory codes. I am not disputing bankruptcy status, but rather incomplete or conflicting reporting. 
Request : Correct payment and closure status to reflect accuracy. 

XXXX. XXXX XXXX XXXX Reported By : All Bureaus Account # : XXXX Balance : {$0.00} Issue : History reflects multiple delinquencies despite no valid past-due billing ever received. 

XXXX. XXXX XXXX XXXX Reported By : Experian, Equifax Account # : XXXX / XXXX Balance : {$24.00} Issue : Account reflects 3060 day late marks but lacks proper documentation or itemized billing. Conflicts in last payment dates and report timestamps. 
Request : Remove all derogatory marks or furnish proof. 

XXXXXXXX XXXX XXXX XXXX  Reported By : All Bureaus Account # : XXXX Issue : Duplicate accounts and inconsistent statuses across bureaus one closed, one listed as other with lingering disputes. No current balance, yet derogatory codes remain. 
Request : Consolidate and correct final status ; remove outdated disputes. 

XXXX. XXXX Reported By : TransUnion Account # : XXXX Issue : Shows payment after charge-off but last activity is over XXXX years old and account reflects {$0.00} balance. 
Request : Delete derogatory status or update to reflect resolution and closure. 

XXXXXXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX  Account # : XXXX Issue : Status says consumer disputes- reinvestigation in progress despite no active dispute.

This may be considered obsolete or inaccurate under FCRA 611 ( a ) ( 5 ). Still on credit after 7 year period Request : Remove dispute language and finalize correct status. 15. Inaccurate Personal Information Issue : My reports include multiple name variations : XXXX XXXX, XXXX, XXXX XXXX, etc. Also includes outdated addresses. 
Request : Remove incorrect aliases and prior addresses not tied to valid accounts. 

Request for Action Under FCRA 611 and 607 ( b ), I request : Full reinvestigation of the accounts listed above. 
Deletion or correction of any unverifiable, incomplete, or inaccurate information. 
Written confirmation of results and an updated copy of my credit report. 
Notification to any entity that pulled my report in the last 6 months. 

Thank you for your attention to this matter. I expect full compliance within the 30-day legal timeframe

Company response to consumer: Closed with non-monetary relief