Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
While reviewing my credit report, I was immediately concerned to find late payments on accounts that were closed with a XXXX balance, including XXXX XXXX XXXX XXXX ( Balance : {$0.00} ) * * and XXXX XXXX XXXX XXXX XXXX ( Balance : {$0.00} ) * *. Both of these accounts were closed and fully satisfied, yet they are inaccurately reported as late, creating a false impression of my payment behavior. This misrepresentation is particularly troubling because it suggests a pattern of financial irresponsibility that does not exist. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of information, and under FCRA 611, I have the right to request a full reinvestigation of any disputed item. Since these accounts are verified as closed with XXXX balance, any late reporting is inherently inaccurate. I am requesting a thorough reinvestigation, and if proper documentation can not be provided to verify these late entries, they must be deleted immediately to prevent further harm to my credit reputation. 
In addition, I am disputing multiple charge-off accounts that are reported inaccurately or without sufficient verification. These include XXXX XXXX XXXX XXXX ( Balance : {$170.00} ), XXXX XXXX XXXX ( Balance : {$660.00} ), and XXXXXXXX XXXX XXXXXXXX ( Balance : {$0.00} ) * *. Charge-offs are serious derogatory items, and the reporting must accurately reflect the true status, payment history, and balance of each account. Under FCRA 602, all information in a credit file must be fair and accurate, and FCRA 611 grants me the right to a thorough reinvestigation when an account is disputed. I am formally requesting that you obtain proper documentation directly from each creditor, including original account agreements, payment histories, verification of balances, and confirmation of delinquency or charge-off status. Any account that can not be fully verified must be corrected or deleted, as reporting unverifiable derogatory information is a violation of federal law and directly harms my creditworthiness. 
Finally, I am disputing multiple collection accounts and an unauthorized inquiry listed on my report. Collections include 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 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 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 XXXXXX/XX/year>. I am requesting a full reinvestigation of each collection account under FCRA 604, 615, and 611, including verification directly from the original creditor regarding the validity, balance, and assignment of each debt. Any collection account that can not be fully verified with proper documentation must be removed immediately. Regarding the inquiry, under FCRA 604 ( a ) ( 2 ), a hard inquiry may only be made with a permissible purpose and proper authorization ; any inquiry that can not be verified as authorized must also be deleted. Leaving unverifiable accounts or unauthorized inquiries on my report inaccurately portrays my financial behavior, damages my credit reputation, and violates federal law. I am requesting written documentation of the results of this investigation, along with an updated copy of my credit report reflecting all verified corrections and deletions.

Company response to consumer: Closed with non-monetary relief