Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
Dispute Letter Incorrect Information & Validation of Debt Date : XX/XX/year>XXXX  To : Experian, Equifax and TransUnion Consumer Relations/Disputes From : XXXX XXXX XXXX XXXX XXXX ) Current address : XXXX, XXXX, XXXX I am writing to dispute inaccurate information appearing on my consumer reports and to request validation of debts being reported by collection agencies. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, consumer reporting agencies and furnishers must ensure the maximum possible accuracy of the information they report XXXX Courts have held that this mandate is not limited to technical accuracy but also prohibits information that is misleading or incomplete XXXX The FDCPA requires debt collectors, when contacting a consumer, to provide the amount of the debt, the name of the current and original creditor, a notice that the debt will be considered valid unless disputed within 30days and an undertaking to provide verification if the consumer disputes the debt XXXX Once a consumer disputes a debt, all collection activity must stop until the debt is verified XXXX 

1. PersonalInformation Errors My reports list personal information that does not belong to me. The FCRA requires you to follow reasonable procedures to assure maximum possible accuracy XXXX. Please delete the following incorrect items : Report Inaccurate names/ aliases Inaccurate addresses Inaccurate employers or statements TransUnion XXXX XXXX XXXX XXXX ( incorrect punctuation ) XXXX XXXX, XXXX ; XXXX, XXXX Experian XXXX XXXX XXXX  ( misspelled ) XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX Equifax none XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I never worked for XXXX  ) ; fraudulent extended alert message not requested Only my current address and true legal name should appear on my file. For clarity, my current address is XXXX, XXXX, XXXX ( as shown on my drivers licence and utility bill ). Please remove any other address, name or employer that is not associated with me, and delete any fraudulent statements or alerts that I did not request. 
2. Unauthorised/Unverified Inquiries My reports list hard inquiries that I did not authorise and that are not tied to any open account. Under the FCRA, consumer reporting agencies must ensure that only permissible inquiries appear on a report XXXX. Please delete the following inquiries unless you can provide evidence that I gave written permission or that they resulted in an account that is still open : TransUnion ( 9 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these inquiries resulted in an open account. 
Equifax ( 10 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). None of these inquiries resulted in an open account. 
Experian ( 4 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorise these inquiries. 
Please delete or block the above inquiries from my credit file. If you believe any inquiry is permissible, send me a copy of the consumer authorisation or signed application that you relied upon. 
3. Collections & Negative Accounts The Experian report shows two collection accounts that I dispute : XXXX XXXX XXXX XXXX XXXX ( {$320.00} ) Reported XXXX. 
XXXX XXXX XXXX ( {$12000.00} ) Reported XXXX. 
I do not recognise these debts and have never received a notice that meets the FDCPAs requirements. Under 15U.S.C.1692g the debt collector must provide, within five days of initial communication, the amount of the debt, the name of the current and original creditor and a notice that the debt will be deemed valid unless disputed XXXX. If the consumer disputes the debt within 30days, the collector must provide verification and must cease collection until verification is provided XXXX. Pursuant to 15U.S.C.1692c, all further communication must be through the mail.

Please mark these accounts as disputed and notify the collection agencies that I am requesting validation. In accordance with the FDCPA and FCRA, I demand that XXXXXXXX XXXX XXXXXXXX and XXXX provide : The original contract or promissory note containing my signature ; A complete chain of custody ( proof of assignment ) showing how the debt was acquired ; A full payment history and itemisation of charges, interest and fees ; Proof that the collector has the legal right to collect the debt in my state ; The name and contact information of the original creditor who verified the debt ; and For any chargedoff debt, a Form1099C issued to me. 
Until this information is provided, the accounts must be removed from my credit file. If these accounts are found to be inaccurate or unverifiable, please delete them and ensure they are not reinserted without certification of accuracy ( see 15U.S.C.1681s2 ( b ) and 12CFR1022.43 ).

4. Late Payments & Closed Accounts Late payments remain on my report even though they are more than seven years old or were reported in error. Under the FCRA, furnishers must report information with maximum possible accuracy XXXX Please investigate any latepayment notation on my accounts and delete any entry that is inaccurate, incomplete or older than the allowable reporting period. I also request deletion of negative remarks on closed accounts that no longer have a valid balance. 
Under 15U.S.C.1666B and 12CFR1026.13, consumers have the right to dispute billing errors and must not be penalised while the dispute is pending. Any latepayment notation tied to a billing dispute should be removed immediately. 

5. Rights Related to Repossession and ChargeOffs I have never received notice of a repossession, yet my reports show an instalment account with XXXX XXXX XXXX. If any repossession or chargeoff is being reported, please ensure that the creditor and any subsequent collector followed UCC9609and9610, which require that a secured party take possession without breach of the peace and give proper notice before disposing of collateral. If a chargeoff occurred, furnishers must issue a Form1099C and update the account to XXXX balance ; failure to do so violates the FCRA and 15U.S.C.1681s2 ( a ). Kindly provide proof that these requirements were followed ; otherwise, remove any repossession or chargeoff notation. 
6. Request for Updated Reports & Cease ReReporting Given the numerous inaccuracies, I request that the credit reporting agencies : Delete all inaccurate names, addresses, employers, hard inquiries, collections, late payments and negative closed accounts as described above.

Reinvestigate the disputed items with the data furnishers. If any item can not be verified, delete it and ensure it is not reinserted without proper certification in accordance with 15U.S.C.1681e ( b ) and case law requiring maximum possible accuracy XXXX XXXXXXXX 
Send me an updated copy of my credit report reflecting these corrections. Please also forward a notice of corrections to any person who received my report within the last six months. 
Block rereporting or sale of any disputed debt to another collector. Under 12CFRPart1022, furnishers must implement reasonable policies to ensure the accuracy and integrity of information. The RCFA ( FCRA ) also prohibits reinsertion of previously deleted information without certification.

Failure to correct these errors will constitute a willful violation of the FCRA and FDCPA. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Attorney General if necessary. 
Please respond within 30days of receipt, as required by law, confirming that these items have been corrected or deleted and providing me with new copies of my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief