Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines. I am disputing the following accounts being inaccurately reported under the name XXXX XXXX. Please be advised that I have legally changed my name to XXXX XXXX. The use of a former legal identity to report derogatory data without matching identity records constitutes a serious risk of misidentification and mixed file error. 

The disputed information is incomplete, unverifiable, and inaccurate. This violates multiple sections of federal law and industry standards : 1. * * FCRA 1681e ( b ) * * You are required to maintain the maximum possible accuracy of consumer credit information.

2. * * FCRA 1681i ( a ) ( 1 ) ( A ) * * You must conduct a reasonable reinvestigation and verify any disputed item with competent evidence.

3. * * FCRA 1681i ( a ) ( 5 ) ( A ) * * If information can not be verified, it must be deleted within the 30-day window.

4. * * FCRA 609 ( a ) ( 1 ) * * I am entitled to a full disclosure of the original sources of the accounts, including contracts with wet signatures.

5. * * FCRA 611 ( 15 USC 1681i ) * * I am formally exercising my right to dispute and correct inaccurate information, including outdated identifiers and unverifiable debt.

6. * * FDCPA 1692g * * Debt collectors must validate alleged debts with original agreements and a breakdown of charges.

7. * * Metro 2 Compliance * * Charged-off accounts must not report a balance unless the balance is actively collectible and properly documented.

Disputed Accounts : XXXX XXXX XXXX ( XXXX  ) - Account # : XXXX - Balance : {$560.00} - Opened : XX/XX/year> - Dispute : No signed agreement or detailed billing. Must delete if unvalidated. 

XXXX XXXX XXXX ( XXXX XXXX XXXX  ) - Account # : XXXX - Balance : {$850.00} - Opened : XX/XX/year> - Dispute : Debt buyer with no chain of title or agreement. Must delete if unvalidated. 

XXXX XXXX XXXXXXXX. 
- Account # : XXXX - Balance : {$800.00} - Status : Charge-off - Dispute : Reporting a balance post charge-off violates Metro 2. No proof of liability provided.

Requested Action : 1. Immediately delete the above accounts unless validated with original signed documentation.

2. Update my file to reflect my current legal name : XXXX XXXX. 
3. Remove any outdated address, name, or contact data that conflicts with the verified documents attached.

4. Provide an updated and corrected credit report after your investigation.

Supporting Documents Included : - Legal government-issued ID showing name : XXXX XXXX - Copy of Social Security card - Utility bill verifying address If you fail to comply with this dispute within the timeframe mandated by FCRA 611, or continue to report unverifiable accounts, I will file formal complaints with the CFPB and FTC, and I will pursue civil litigation under FCRA 616 and 617 for negligent and willful noncompliance

Company response to consumer: Closed with explanation