Consumer complaint received 2025-11-11 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 submitting this fourth follow-up complaint regarding multiple accounts on my credit reports that remain inaccurate, unverified, and misleading despite my prior disputes and written communications. These accounts continue to appear without proper verification or documentation and are causing ongoing financial hardship, emotional distress, and unnecessary obstacles in my personal and financial life. 
I am not requesting correctionI am formally demanding the permanent removal of the following accounts : XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX * * Balance : {$510.00} * * This account continues to be reported as charged off without proper verification. Its reporting violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], and FCRA 605B [ 15 U.S.C. 1681c-2 ]. The ongoing presence of this unverified account is causing tangible financial harm, including higher interest rates and denied loan opportunities. Permanent removal is required. 
XXXX XXXX Account XXXX. XXXX Balance : {$140.00} * This account is being reported as charged off without proper verification. It has caused undue stress and financial harm. Its continued reporting violates the protections outlined under the FCRA, and I am requesting permanent deletion. 
XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4500.00} * * This account is reported as charged off but does not appear on other credit bureaus reports, raising serious concerns about its validity. Reporting unverifiable information violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. Permanent removal is warranted to prevent further harm. 
XXXX & XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$28000.00} * * This account is inaccurately reported and lacks proper documentation. Its continued presence has caused real financial barriers, stress, and credit damage. Under FCRA 607 ( b ), this account must be permanently removed. 
XXXX & XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} * * Despite my prior disputes, this account continues to appear inaccurately. Its reporting violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], and I am requesting permanent removal to prevent further harm. 
XXXX Original Creditor : XXXX XXXX XXXX. Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} * * Reported as a collection, this account is unverified. Its reporting violates FDCPA 809 [ 15 U.S.C. 1692g ], FCPA 807 [ 15 U.S.C. 1692e ], and FCRA 605B [ 15 U.S.C. 1681c-2 ]. Permanent deletion is required because its continued presence is misleading and damaging.

Unauthorized Inquiry XXXX XX/XX/year> This inquiry was not authorized or properly verified. It violates FCRA 619 [ 15 U.S.C. 1681q ], FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], and FCRA 605B [ 15 U.S.C. 1681c-2 ]. I am requesting its permanent removal immediately.

Company response to consumer: Closed with explanation