Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
This letter is a formal dispute regarding inaccurate and unverifiable information currently being reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611, and 607 ( b ), I am requesting a full reinvestigation of the items listed below. If verification can not be completed with proper documentation, I request immediate deletion from my report. 
________________________________________ Late Payment Dispute : XXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX | High Credit : {$10000.00} Issue : This account is reporting one or more late payments that are either inaccurate or unverifiable. Under FCRA 611, you must verify the accuracy of all reported payment history with supporting documentation from the original creditor.

Action Requested : Remove the late payment entries that can not be substantiated. 
________________________________________ Charge-Off Dispute : XXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX | High Credit : {$26000.00} Issue : This charge-off appears on my credit report without validation or proof of contractual obligation. Per FCRA 609 ( a ) ( 1 ), I am entitled to see the original contract and a complete payment history. If you can not verify this account with sufficient evidence, it must be deleted. 
Action Requested : Delete this charge-off if not verifiable with full documentation from the original creditor. 
________________________________________ Collection Account Dispute : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX Issue : I dispute this collection account as I do not recognize this debt. No proper validation has been provided, and under FDCPA 809 and FCRA 611, you are required to remove unverifiable or inaccurate third-party collection accounts. 
Action Requested : Remove this collection account unless you can validate with a signed contract and full billing history. 
________________________________________ Address Discrepancy : The following addresses are inaccurately listed on my credit report and are not associated with me : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : These addresses are either outdated, incorrect, or associated with fraudulent/unauthorized activity. Multiple addresses can lead to mixed files and identity errors. 
Action Requested : Please remove all incorrect addresses and retain only my current, verified address on file. 
________________________________________ I am requesting a prompt reinvestigation and expect a response within the 30-day period mandated by the FCRA. If these items can not be fully verified with proper documentation, they must be removed to maintain the accuracy and integrity of my credit file. 
If unresolved, I will file complaints with the CFPB, FTC, and State Attorney Generals Office for further action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief