Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I

am writing to formally dispute numerous derogatory and inaccurate entries on my credit report. This is a legal request under the Fair Credit Reporting Act ( FCRA ) for full reinvestigation of the following accounts and inquiries. If you can not provide full verification in accordance with FCRA 609 ( a ) and 611, I request that these entries be permanently deleted from my credit file. ________________________________________ Disputed Charge-Offs : XXXX. XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$4100.00} XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$6000.00} XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$5600.00} XXXX. XXXX XXXX Acct # XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$180.00} XXXX. XXXX XXXX Acct # XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$740.00} XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$33000.00} XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1000.00} XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$12000.00} Issue : These accounts were either already resolved, never validated, or listed without proper documentation. Reporting charge-offs without accurate proof of debt, original contracts, and lawful collection documentation is a violation of FCRA 609 ( a ) ( 1 ) and 607 ( b ) ( accuracy ).

Request : Immediately delete all charge-offs that can not be validated with full documentation and chain of custody from the original creditor.

________________________________________ Late Payment Dispute : XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$2100.00} This late payment is being reported despite inconsistencies in my records. I request written documentation and billing history to support this reporting. Otherwise, please remove it under FCRA 611.

________________________________________ Unauthorized or Excessive Hard Inquiries : I also dispute the following inquiries as either unauthorized, duplicative, or not initiated by me. Many appear clustered around auto loan applications and were not individually authorized.

Examples include ( but are not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  multiple dates in XXXX XXXX XXXX multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. 
These inquiries were not all authorized on a per-creditor basis and may have been the result of auto-dealer " shotgun '' applications, which I did not consent to for each institution individually. This violates FCRA 604 ( a ) which requires a " permissible purpose '' for every inquiry.

Request : Delete all inquiries not directly initiated by me or lacking specific consent. Please provide proof of permissible purpose for each listed inquiry or remove them immediately. 
________________________________________ Under the FCRA, you are obligated to conduct a full reinvestigation within 30 days and provide me with written results. If the information listed above can not be fully verified, I request immediate deletion of all disputed entries.

If these accounts and inquiries continue to be reported inaccurately, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief