Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding several negative and damaging accounts currently appearing on my credit profile. These accounts are being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) specifically 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 605 ( a ).

Despite prior disputes, these accounts have not been verified with the proper documentation and continue to report inconsistent or outdated information across all three major credit bureaus. I am demanding immediate removal of the following accounts : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Reporting a collection without providing validation. No original documentation, billing statements, or proof of consumer liability. 

Violation : FCRA 609 ( a ) ( 1 ) and 611 failure to provide documentation upon request, improper verification.

Resolution : Permanent deletion due to unverifiable and inaccurate reporting. 

XXXX XXXX XXXX Issue : Account listed as charged off. Balance reporting is inconsistent and not backed by signed contract or transaction history.

Violation : FCRA 607 ( b ) and 609 ( a ) ( 1 ) inaccurate data, no verification.

Resolution : Removal due to failure to validate the debt within the statutory timeframe. 

XXXX Issue : Charge-off status with conflicting information on balance and payment history. No contract, application, or complete documentation has been furnished.

Violation : FCRA 609 & 611 data unverifiable, must be removed. 

XXXX XXXX XXXX ( XXXX ) Issue : Collection agency reporting debt with no substantiated documentation. No chain of custody, contract, or consumer validation.

Violation : FCRA 611 & 609 ( a ) ( 1 ) unverifiable collection itemXXXX XXXX XXXX  Issue : Charged off and sold to a third party. No legal documentation has been provided to validate ownership or terms of the loan. 

Violation : FCRA 609 & 611 unverifiable debt due to sale and lack of supporting documents. 

XXXX XXXX XXXX Issue : Reported repossession with no legal documentation supporting seizure or default process.

Violation : FCRA 607 ( b ) and 611 inaccurate and unvalidated reporting.

Legal Demand : Pursuant to FCRA 609 ( a ) ( 1 ), I am requesting : Full validation of each account, including signed contracts, full billing history, and proof of consumer liability.

Permanent deletion of any account that can not be verified with legally sufficient documentation. 

Removal of any dispute remarks currently affecting lending decisions. 

If these accounts can not be validated within the FCRAs legal timeframe ( 30 days ), they must be deleted from all credit reporting agencies : Experian, Equifax, and TransUnion.

Resolution Requested : Permanent deletion of all negative and unverifiable accounts listed above, written confirmation of reinvestigation results, and removal of all dispute notations that may negatively impact creditworthiness. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation