Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) for ongoing violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 
Each account listed below contains inaccurate, unverifiable, conflicting, or obsolete information, violating federal law. I am requesting immediate and permanent deletion of these items under 1681i ( a ) ( 5 ) and 1681e ( b ). No reinvestigation or reinsertion should be allowed. 
Section XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00}, Opened XX/XX/XXXX ) Violation : Reports a collection account without proof of debt ownership, original creditor documentation, or notice of transfer. 
Legal Basis : 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 7 ), 1681i ( a ) ( 5 ) Action Requested : Permanent deletion for unverifiable ownership and failure to provide required documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00}, Opened XX/XX/XXXX ) Violation : Missing proof of contract and chain of custody ; duplicate and inconsistent reporting across bureaus. 
Legal Basis : 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( a ) ( 1 ) ( A ) Action Requested : Permanent deletion due to conflicting and unverifiable data. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( {$1300.00}, Opened XX/XX/XXXX ) Violation : Reports collections without proper validation, missing original creditor, and lacking authorization documentation. 
Legal Basis : 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i ( a ) ( 5 ) ( A ) Action Requested : Permanent deletion for unverifiable and inaccurate reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00}, Opened XXXX XXXX, XXXX ) Violation : Duplicate accounts reported for the same debt ; no evidence of debt ownership or transfer notice. 
Legal Basis : 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( a ) ( 7 ) Action Requested : Immediate and permanent deletion due to duplication and unverifiable information. 
Section XXXX Auto Loan Late Payments XXXX. XXXX XXXX ( Auto Loan, Closed, XXXX Missed Payments ) Violation : Reports excessive late payments without verification, original contract, or proof of authorized debt. 
Legal Basis : 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) Action Requested : Permanent deletion for unverifiable reporting and failure to comply with FCRA accuracy standards. 
Section XXXX Credit Card Late Payments XXXX. XXXX XXXX ( Closed, XXXX Missed Payments ) Violation : Reports missed payments inconsistently ; missing contract validation and chain-of-custody documentation. 
Legal Basis : 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) Action Requested : Permanent deletion due to conflicting, unverifiable reporting. 
Section XXXX Grounds for Permanent Deletion ( Not Reinserted ) 1681i ( a ) ( 5 ) ( A ) : Unverifiable data must be permanently deleted, not corrected. 
1681i ( a ) ( 5 ) ( B ) : Reinsertion prohibited without full verification and documentation.

1681e ( b ) : Conflicting or duplicate reporting violates accuracy standards.

1681s-2 ( a ) ( 7 ) : Failure to provide notice of debt transfer invalidates reporting authority.

1681c ( a ) : Obsolete or inaccurate accounts must be removed.

1681n & 1681o : Furnishers are liable for continued reporting of inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief