Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
* * * Account Name : * * XXXX XXXX XXXX * * * Partial Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$170.00} * * * Date Opened : * * XX/XX/XXXX * * * Date Closed : * * XX/XX/XXXX ( future date * impossible * ) * * * Status : * * Negative / Unpaid * * * Original Creditor : * * Unknown * * * Reporting Bureau : * * Only Equifax lists data XXXX  and XXXX  show no matching record * * * Start Date : * * XX/XX/XXXX ( future date again ) -- - # # # * * Why This Is Disputable * * 1. * * Unverifiable Creditor * * The creditor is listed as * Unknown *, violating * * FCRA 623 ( a ) ( 1 ) ( A ) * * which requires the furnisher to provide accurate and verifiable information. 
XXXX. * * Future Dates Reported * * Dates like * Closed XX/XX/XXXX * and * Start Date XX/XX/XXXX * can not be correct or verifiable ; this breaches * * FCRA 607 ( b ) * * for accuracy and completeness. 
XXXX. * * Incomplete Cross-Bureau Reporting * * The tradeline appears * * only on Equifax * *, not XXXX  or XXXX, showing it may not have been properly validated under * * FCRA 611 ( a ) ( XXXX ) ( A ) * *. 
XXXX. * * No Proof of Consumer Authorization * * Theres no record showing you agreed to or were notified of the debt also # # # * * Dispute Letter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX * * Date : * * XX/XX/XXXX * * To : * * * * Equifax Information Services, XXXX * * XXXX XXXX XXXX XXXX, GA XXXX -- - # # # * * Subject : * * Request for Deletion Inaccurate XXXX XXXX XXXX XXXX Account * * Account Name : * * XXXX XXXX XXXX * * Partial Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : * * XX/XX/XXXX * * Reported Balance : * * {$170.00} * * Date of Birth : * * XX/XX/XXXX -- - Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a collection account reported by XXXX XXXX XXXX under my credit file. After reviewing the information, I found multiple discrepancies that make this tradeline * * inaccurate, unverifiable, and incomplete * * under the Fair Credit Reporting Act ( FCRA ). 

# # # * * Grounds for Deletion : * * 1. * * FCRA 623 ( a ) ( 1 ) ( A ) : * * The listed creditor is Unknown, which makes verification impossible. Any unverifiable data must be deleted immediately.

2. * * FCRA 607 ( b ) : * * The account includes * future dates * ( Closed XX/XX/XXXX and Start Date XX/XX/XXXX ), which are factually inaccurate and misleading. 
XXXX. * * FCRA 611 ( a ) ( 1 ) ( A ) : * * The account appears only on Equifax and lacks matching data across all three bureaus, suggesting incomplete or erroneous reporting.

4. * * FCRA 611 ( a ) ( 5 ) : * * If this account can not be verified with the original creditors documentation within 30 days, it must be permanently deleted from my credit file.

5. * * FCRA 602A : * * There is no record or documentation proving I am liable or authorized for this debt. 

-- - I request a prompt reinvestigation of this account and either correction or * * permanent deletion * * if it can not be verified. Please send me written confirmation of your investigation results, including : * The name and contact of the data furnisher, * The method of verification, * And a copy of any signed contract or document that proves the alleged debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief