Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I am submitting a complaint to follow up on my prior dispute regarding several inaccurate and unauthorized accounts, along with an inquiry that continues to appear on my credit report. Despite my earlier request, these items remain, and I must insist on their immediate removal. Each of these accounts and inquiries is either fraudulent, unverifiable, or inaccurately reported, and their continued presence violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
The first account in question is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *. This account has been reported as a late closed account, but I never authorized or opened such an account. Its reporting is false and unverifiable. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute and demand reinvestigation, and under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy. In addition, because this account is fraudulent, I am asserting my rights under FCRA 605B 15 U.S.C. 1681c-2, which requires its complete removal. 
The second account is XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} * *. This account is being reported as a charge-off, yet no valid proof of a cancellation-of-debt form ( 1099-C ) has ever been provided. Reporting a charge-off without furnishing such documentation is misleading and inaccurate. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I demand its removal due to unverifiability. 
Another account that remains in error is XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *. Although it reports a charge-off, it reflects a XXXX balance. An account can not simultaneously be charged off and reflect no balance. This is contradictory, inaccurate, and violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, as this account was not authorized by me, its continued presence also violates FCRA 605B 15 U.S.C. 1681c-2. 
Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} * * is still listed as a charge-off. I never had any relationship with this creditor, nor have I ever authorized such an account. It is fraudulent, unverifiable, and inaccurately reported. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FCRA 605B 15 U.S.C. 1681c-2, I am again requesting its removal. 
The collection account with XXXX  XXXX * Balance Owed : {$370.00} * * is also completely inaccurate. I have no record of owing any debt to this collector or its original creditor. This account is unverifiable and must be deleted under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FCRA 605B 15 U.S.C. 1681c-2. 
Finally, there is an unauthorized inquiries listed as XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I never applied for or authorized this inquiry. Its continued appearance violates FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which prohibits accessing a consumer report without a permissible purpose, and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which requires certification of such purpose. This inquiries is unlawful and must be removed.

Company response to consumer: Closed with non-monetary relief