Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally disputing several inaccurate and damaging items currently being reported on my Equifax credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these accounts and the removal of all unverifiable, outdated, or incorrect information. 

Incorrect Personal Information XXXX XXXX XXXX XXXX XXXX, SC XXXX Issue : This address is incorrectly listed on my credit file.

Law : FCRA 602 ( a ) and 607 ( b ) require consumer reporting agencies to maintain accurate and verifiable information.

Story : I have never lived at this address, nor do I have any connection to it. Including false addresses on my report increases the risk of mixed files or identity confusion. I have attached a copy of my ID and proof of current address to support this correction. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$460.00} Issue : Inaccurate late payment reporting. 
Law : FCRA 611 ( a ) gives me the right to dispute and request reinvestigation of any account with inaccurate data.

Story : This account is inaccurately reporting a late payment. I have made timely payments and have not received any proof from Equifax or the furnisher validating this derogatory mark. I request that you either provide certified documentation from the creditor or remove this negative information immediately. 

XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$640.00} Issue : Account reported as a charge-off.

Law : FCRA 607 ( b ) requires maximum possible accuracy in consumer reports.

Story : I dispute this account being reported as a charge-off. I have no recollection of defaulting on this account and have received no communication validating this claim. If the creditor can not provide full validation and a legitimate charge-off notice, this derogatory item must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1300.00} Issue : Late payments being reported. 
Law : Under FCRA 611 ( a ), I am entitled to challenge information that can not be verified.

Story : I am disputing the late payments being reported on this student loan account. These late payments are outdated and have not been properly validated. The ongoing negative reporting is unfair and unverified. I request immediate investigation and correction.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1100.00} Issue : Late payments inaccurately reported. 
Law : FCRA 607 ( b ) and 611 ( a ) require the accuracy and verification of reported information.

Story : This account is over a decade old, and the negative payment history associated with it has either not been validated or may no longer be legally reportable. I request documentation verifying the late payments. If no proper proof is provided, the account should be corrected or removed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$170.00} and {$160.00} Issue : Duplicate collection accounts.

Law : FCRA 607 ( b ) requires that all information be reported with maximum possible accuracy.

Story : These two collection accounts appear to be duplicates with the same creditor and open date but slightly different balances. Reporting duplicate entries for the same debt is misleading and unfairly impacts my credit score. I request that one of these be immediately removed and the remaining account be verified.

Final Request Please investigate these items and provide written confirmation of the results. If any of these accounts can not be fully verified with appropriate documentation from the original creditors, they must be deleted from my credit file per FCRA 611 ( a ) ( 5 ).

Attached you will find a copy of my government-issued ID, proof of address, and a copy of my recent Equifax credit report with the disputed items highlighted for your reference.

Company response to consumer: Closed with non-monetary relief