Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
I am writing to dispute the accuracy and completeness of certain information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, you are required to ensure that all reported data is accurate, complete, verifiable, and updated. The accounts listed below violate these federal requirements and must be investigated and deleted immediately unless fully substantiated with proper documentation. 
Items in Dispute & Specific Instructions : Late Payments Request for Accuracy Verification & Deletion XXXX XXXX XXXX XXXXXXXX Incorrect payment history reported. Provide detailed payment history from the original creditor or delete immediately. 
XXXX XXXX XXXX XXXXXXXX Late payments unverifiable. Requesting proof of valid billing cycles and due dates. 
XXXX XXXX XXXXXXXX Unverified late payment data. If verification is not possible, this must be deleted. ** Charge-Offs Request for Proper Validation & Removal XXXX XXXX XXXX XXXX No documented charge-off notice was sent. Provide original account closure details and charge-off calculations. 
XXXX XXXX XXXX XXXX XXXXXXXX Unverified charge-off. If you can not provide detailed transactional history, remove this item immediately. 
XXXX XXXX XXXX XXXXXXXX This charge-off lacks proper documentation. Verify through the original creditor or delete. 
XXXX XXXX XXXXXXXX Incorrect charge-off status. Provide proof of charge-off balance and due process adherence. 
XXXX XXXX XXXX XXXXXXXX The charge-off was never properly validated. Full documentation required. 
XXXX XXXX XXXX XXXXXXXX Duplicate reporting of the same charge-off. One of these listings must be removed per Metro 2 guidelines. ** Collections Request for Proper Validation & Immediate Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX No contract or written agreement confirming my obligation to this debt. Provide original signed agreement or remove. ** Unverified Hard Inquiries Must Be Deleted Unless Fully Authorized XXXX XXXXXXXX XX/XX/XXXX No permissible purpose under FCRA 15 U.S.C. 1681b. Remove immediately. 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. If not backed by written consent, this must be deleted. 
XXXX XXXX XX/XX/XXXX Unverified inquiry. Provide proof of authorization. 
XXXX XXXX XX/XX/XXXX Incomplete reporting. If permissible purpose can not be established, remove. 
XXXX XXXX XXXXXX/XX/XXXX This inquiry is outdated and unverifiable. 
XXXX XX/XX/XXXX I did not authorize this inquiry ; remove per XXXX XXXX guidelines. 
XXXX XXXX XXXX  No substantiating documentation for this inquiry. Must be deleted. 
XXXX XX/XX/XXXX Unauthorized hard inquiry ; must be deleted. 
XXXX XXXX XX/XX/XXXX No record of my consent for this inquiry. 
XXXX XXXX  Future-dated inquiry? This is an error and must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX  No permissible purpose documented. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear to be unauthorized. Provide signed application forms or remove. ** Legal Violations Noted : 1. FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to Conduct a Proper Investigation These items have not been properly verified in previous disputes.

2. FCRA 1681i ( a ) ( 5 ) : Failure to Delete Unverified Information If the data furnisher can not substantiate the disputed item, it must be removed immediately.

3. FCRA 1681b : Unlawful Inquiry Reporting Many inquiries listed were unauthorized and should be removed immediately.

4. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Duplicate Reporting NRL FCU account is reported twice, inflating my debt-to-credit ratio. ** Action Required : Conduct a Metro 2-compliant investigation on all disputed items.

Provide verifiable proof supporting each reported item within 30 days.

Remove any unverifiable, outdated, or duplicate items as required by law. 
Failure to comply will result in a formal complaint to the CFPB, legal action, and potential statutory damages of up to {$1000.00} per violation. I expect full compliance and a response within the legally required timeframe. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief