Consumer complaint received 2025-04-22 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:
I am writing to formally dispute several entries currently being reported on my credit file. These entries are causing significant harm to my credit standing and personal progress, and I believe they may contain inaccuracies, be unverifiable, or reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Please conduct a thorough reinvestigation of the following items and remove or correct any account that can not be 100 % verified in compliance with FCRA 611, 609 ( a ) ( 1 ), and 623 ( a ). 
________________________________________ XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX | High Credit : {$370.00} | Status : Late Payments Issue : Inconsistent reporting ; late payment date doesnt align with my records. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) Reporting inaccurate data.

Action Requested : Please investigate and correct or remove if unverifiable. 
________________________________________ XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$31000.00} | Status : Late Payments Issue : I was never served notice before delinquencies were reported. 
FCRA Violation : 623 ( b ) Duty to investigate disputed information.

Action Requested : Validate reported late payments or delete the tradeline. 
________________________________________ XXXX. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Credit : {$4500.00} | Status : Late Payments Issue : Payment history inconsistent with my banking records.

FCRA Violation : 611 ( a ) ( 1 ) ( A ) Failure to maintain accuracy.

Action Requested : Investigate and remove if payments cant be verified. 
________________________________________ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$1300.00} | Status : Late Payments Issue : Never received any billing notices prior to negative reporting. 
FCRA Violation : 623 ( a ) ( 5 ) Failure to report accurate delinquency date.

Action Requested : Please validate or remove this item from my report. 
________________________________________ XXXX. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Credit : {$300.00} | Status : Late Payments Issue : May be time-barred or inaccurately aged.

FCRA Violation : 605 ( a ) ( 5 ) Obsolete information.

Action Requested : Remove if account exceeds reporting limits or lacks verification.

________________________________________ XXXX. XXXXXXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | Balance : {$680.00} | Status : Charge Off Issue : No validation or itemized accounting has ever been provided. 
FCRA Violation : 609 ( a ) ( 1 ) Failure to provide proof of the debt.

Action Requested : Remove unless original documentation is provided. 
________________________________________ XXXX. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | Balance : {$4300.00} | Status : Charge Off Issue : Possibly duplicate reporting across other bureaus. 
FCRA Violation : 602 Right to fair and accurate reporting.

Action Requested : Investigate for duplication or delete.

________________________________________ 8. XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Credit : {$50.00} | Status : Late Payments Issue : The amount is minor, and reporting it negatively seems unjust and punitive. 
FCRA Violation : 602 ( A ) Credit reporting should be fair and equitable.

Action Requested : Remove in consideration of fairness and minimal impact. 
________________________________________ Previous Addresses ( Need to Be Deleted for Accuracy & ID Theft Prevention ) XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Issue : These addresses are outdated and XXXX increase the risk of identity theft or inaccurate matching. 
XXXX Requested : Please remove these addresses from my credit file. 
________________________________________Life sometimes brings challenges we dont see coming. During the time these accounts fell behind, I was managing family obligations, unstable income, and other life stressors. Ive worked hard to get back on track. But these negative items are now holding me back despite my progress. Im asking for fairness, accuracy, and a true reflection of who I am todaynot who I was in a moment of hardship.

________________________________________ Final Request I respectfully request that you : Reinvestigate all accounts listed above Remove any unverifiable, inaccurate, outdated, or incomplete information Delete the previous addresses to help prevent future ID theft Respond to my request within 30 days under FCRA 611 ( a ) ( 1 ) ( A ) Thank you for your prompt attention to this matter. I look forward to receiving confirmation and an updated copy of my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief