Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : ______________________ To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF INACCURATE, UNVERIFIABLE & UNAUTHORIZED REPORTING Consumer : XXXX XXXX XXXX XXXX ending in XXXX I. SWORN AFFIDAVIT & IDENTITY NOTICE I, XXXX XXXX, being of lawful age and competent, do hereby swear under penalty of perjury that the statements in this affidavit are true, correct, and complete to the best of my knowledge. 
I am formally disputing inaccurate, incomplete, unverifiable, and unauthorized information that you are reporting on my Equifax consumer file. I am also disputing inaccurate personal identifying information ( name, address, phone ) that directly affects how accounts are matched to my file. 
My correct information is : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX You are reporting multiple prior/obsolete addresses and, across the bureaus, inconsistent current information. These discrepancies in identifiers increase the risk that accounts are being mismatched or reported under an inaccurate profile, which is a direct violation of your duty under 15 U.S.C. 1681e ( b ) to use reasonable procedures to assure maximum possible accuracy of the information you report.

II. PERSONAL INFORMATION DISPUTE I dispute the way my personal information is reported and demand correction : 1. Address Correction / Obsolete Addresses My only current address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses are obsolete and/or no longer associated with my current residence and must be removed or strictly coded as past addresses to prevent mis-matching of data : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Phone Numbers My correct active phone number is XXXX XXXX XXXX XXXXXXXX. 
Any other phone numbers associated with my file that are no longer mine are to be removed as they increase the risk of identity confusion and improper association of accounts. 
Under 15 U.S.C. 1681e ( b ) you are required to maintain maximum possible accuracy of my identity information. Failing to correct obsolete addresses and phone numbers increases the chance of mixed files and misattributed debts and is therefore unacceptable.

III. NEGATIVE ACCOUNTS BEING DISPUTED & CROSS-EXAMINATION I dispute the following negative accounts in their entirety as inaccurate, incomplete, and/or unverifiable. 
I am requesting deletion if you can not fully verify them with competent evidence, not just automated data matching. 
XXXX. XXXX XXXX Credit Card ( Charge-off ) XXXX  : XXXX XXXX, Account # XXXX, balance {$1200.00}, status Account charged off. 
{$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Equifax : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, status XXXX XXXX, balance & past-due {$1200.00}, XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pay status >Charge-off<, balance {$1100.00}, est. 
removal XXXX/XXXX. 
Cross-exam issues : You and the other bureaus are not even reporting the same balance ( {$1200.00} vs {$1100.00} ). 
There are inconsistent charge-off and past-due amounts and differing notations and dates, showing a lack of maximum possible accuracy.

Under 15 U.S.C. 1681e ( b ) ( FCRA ), you must use reasonable procedures to assure maximum possible accuracy of the inform
ation you report. When one bureau shows a different balance and status than another for the same alleged debt, it is evidence that the information is not reliable. 

XXXXXXXX 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, balance {$7600.00}, original balance {$22000.00} ; status Account charged off. {$7300.00} written off. {$7600.00} past due as of XX/XX/XXXX. 
Voluntary surrender ( VS ). 
Equifax ( XXXX XXXX ) : XXXX, balance {$7600.00}, charge-off amount {$7300.00}, XXXX XXXXXX/XX/XXXX, status XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$7600.00}, pay status Charge-off<, with coding relating to voluntary surrender. 
Cross-exam issues : Different treatment of charge-off amount vs. balance vs. past-due amount. 
Different notations around voluntary surrender / recovery.

These inconsistencies show that the data is not being reported in a consistent, accurate manner across bureaus.

Again, under 15 U.S.C. 1681e ( b ), this is a violation of your duty to maintain maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, balance {$730.00}, past due {$130.00}, status Open. 
{$130.00} past due as of XX/XX/XXXX, XXXX late payments. 
XXXX XXXX XXXX XXXX XXXXXXXX, balance {$1900.00}, past due {$350.00}, status Open. 
{$350.00} past due as of XX/XX/XXXX, XXXX late payments. 
Equifax : XXXX separate student loans, both Over XXXX  Days XXXX XXXX, balances {$730.00} and {$1900.00}, XXXX listed as XX/XX/XXXX. 
XXXX : XXXX student loans Account XXXX Days Past Due Date with differing removal dates. 
Cross-exam issues : Different severity codes ( XXXX only showing XXXX XXXX XXXX XXXX XXXX delinquencies ). 
Differences in how the DOFD and status dates are reported. 
These inconsistencies impact how lenders interpret risk and are material inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$88.00}, collection account, opened XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$130.00}, collection account, opened XX/XX/XXXX. 
Equifax : XXXX XXXX XXXX, XXXX, amount {$88.00}, XXXX XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX, amount {$130.00}, XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$88.00}, pay status >Collection<, removal est. XXXX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$130.00}, pay status >Collection<. 
Cross-exam issues : Differences in DOFD, date opened, and how long they intend to report the accounts. 
The same debt is showing different timelines and coding across bureaus again violating 15 U.S.C.

1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, open secured card, XXXX XXXX late in XXXX. 
Equifax XXXX XXXX : Also show late history but inconsistent details on dates and severity. 
I dispute any late payments as inaccurate or unsupported and I demand that they be deleted if they can not be verified with complete documentation. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Secured Loan Charge-off ( Equifax Only ) XXXX  : Not reporting Equifax : XXXX XXXX  XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, secured installment loan, balance {$3700.00}, status Charge Off. 
XXXX  : Not reporting Cross-exam issues : This account appears only on Equifax and not on XXXX  or XXXX, which increases the likelihood of mixed-file errors or misattributed debt. 
Because there is no corresponding tradeline on the other bureaus to compare balance, dates, or status, the accuracy and attribution of this account are highly questionable and require strict verification. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax Only ) XXXX : Not reporting Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, collection amount {$420.00}, XXXX reported around XX/XX/XXXX. 
XXXX  : Not reporting Cross-exam issues : This XXXX collection likewise appears only on Equifax and does not appear on XXXX or XXXX, which is a red flag for potential file-mixing or incorrect association with my identity. 
With no parallel reporting on the other bureaus, there is no way to reconcile dates, amounts, or status, so Equifax bears full responsibility to obtain and review complete validation and delete the account if it can not be fully verified.

IV. LEGAL BASIS FCRA, FDCPA & UCC 1. FCRA 15 U.S.C. 1681e ( b ) This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. When the same account shows different balances, statuses, and dates across XXXX, Equifax, and XXXX, that is evidence that the data is not accurate or reliable and should not continue to be reported.

2. FCRA 611 / 15 U.S.C. 1681i & 1681i ( a ) ( 5 ) ( A ) 611 / 1681i requires you to conduct a reasonable reinvestigation of disputed information and to complete that reinvestigation generally within 30 days.

1681i ( a ) ( 5 ) ( A ) requires that if information can not be verified, it must be promptly deleted from my file. 
Verified means supported by competent evidence, not just automated data matching. 
3. FDCPA 15 U.S.C. 1692g ( Debt Validation ) For the collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : 1692g gives me the right to request validation of the debt, including proof that the collector has a legal right to collect and that the amount is accurate. If they can not validate, the debt can not be collected or reported.

4. FDCPA 15 U.S.C. 1692cc This section restricts communications and collection efforts at certain times or in certain ways. 
Continued collection or reporting of a disputed, unvalidated debt can violate this section when it is harassing, deceptive, or unfair.

5. FCRA 15 U.S.C. 1681b & 1681q ( Permissible Purpose & False Pretenses ) I never granted written consent for any third party to obtain or furnish my personal information for any account that can not now be validated.

1681b requires a permissible purpose to access my report.

1681q makes it unlawful to obtain a consumer report under false pretenses.

Any account that can not be proven with my wet signature and proper documentation must be treated as unauthorized.

6. UCC Chain of Title & Presentment ( Article 3 & Article 9 ) To the extent any of these debts were sold, assigned, or securitized, I demand evidence under the Uniform Commercial Code ( including but not limited to UCC 3-501 and 9-210 ) showing : Chain of title ( who owns the alleged obligation now and each transfer ) A full accounting of the alleged balance The original signed agreement/ promissory note or equivalent instrument of indebtedness If no party can produce the original contract or a legally sufficient chain of title, then there is no lawful basis to continue reporting these debts against me. 

V. DEMAND FOR VALIDATION, DOCUMENTS & WET SIGNATURE For each of the accounts listed above, I am demanding that Equifax, and any furnisher you contact, provide the following real evidence not boilerplate verified responses : 1. A complete itemized payment history showing how the current balance, past-due amount, and any charge-off amount were calculated.

2. A copy of the original signed contract / application bearing my wet signature that allegedly created the obligation.

3. Any insurance claims, charge-offs, or third-party payments made on the account, and how those payments were applied.

4. The complete chain of title for any account that was sold, transferred, or assigned ( including XXXX, XXXX XXXX XXXX XXXX, and any collection agency accounts ). 
5. For collections ( XXXX XXXX XXXX ), debt validation under 15 U.S.C. 1692g, including a full breakdown of principal, interest, fees, and proof of your authority to collect. 
If you can not obtain and review these documents, then you can not lawfully verify the accounts and you are required under FCRA 611 / 15 U.S.C. 1681i and 1681i ( a ) ( 5 ) ( A ) to delete them. 

VI. HUMAN IMPACT & HARM TO MY CREDIT REPUTATION I am a young consumer, just starting my adult life and trying to establish credit, work, and build a future. 
These inaccurate and unverified negative accounts are destroying my credit reputation and blocking me from fair access to housing, transportation, and financial opportunities. 
Reporting frivolous, mismatched, or unverified accounts on my file is not just a technical error it is actively holding me back from reaching my full potential and causes real emotional and financial harm. 
I ask that you handle this dispute from a place of fairness and good faith, not just automated responses. 

VII. FORMAL DEMAND & NOTICE OF POTENTIAL CFPB/ LEGAL ACTION Pursuant to FCRA 611 / 15 U.S.C. 1681i, I am demanding : 1. A full reinvestigation of each disputed account and each piece of personal information listed in this letter.

2. Deletion of any account or personal information that is inaccurate, incomplete, or unverifiable.

3. A written response within 30 days, including : The specific steps you took to reinvestigate ; Whether any information was changed or deleted ; and The method of verification and the name/address of any furnisher you relied on. 
If you continue to report unverified or inaccurate information, I will have no choice but to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Consider complaints to my State Attorney General, and Explore a civil lawsuit for willful and/or negligent violations of the FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681n, 1681o ) and any applicable FDCPA provisions for the collection accounts. 
Please consider this my formal notice and opportunity to cure before I escalate this matter. 
Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation