Consumer complaint received 2025-04-26 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: LA

Complaint narrative:
I am writing to inform you once again about several inaccuracies and ongoing FCRA violations on my credit report. Despite multiple rounds of disputes, these items remain unresolved. As per the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure that all information on my credit report is accurate and verifiable. The fact that these items remain on my credit file in violation of the FCRA is unacceptable. 
This letter serves as your final notice to correct these items or face further legal action. 
________________________________________ Disputed Items : 1. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge-off account being reported without proper verification. 
Violations : FCRA Section 609 ( a ) ( 1 ) ( A ) ( Failure to provide proof of debt ), Section 607 ( b ) ( Failure to maintain maximum accuracy ). 
Action Requested : Immediate deletion unless valid documentation of the debt is provided. 
________________________________________ 2. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Issue : Late payments inaccurately reported. 
Violations : FCRA Section 607 ( b ) ( Failure to maintain maximum accuracy ), Section 611 ( a ) ( Failure to reinvestigate after a notice of dispute ). 
Action Requested : Deletion of any late payments unless verifiable documentation of these late payments is provided. 
________________________________________ 3. XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * Issue : Incorrect late payments reported. 
Violations : FCRA Section 607 ( b ), Section 611 ( a ). 
Action Requested : Immediate correction or deletion unless proper verification is provided. 
________________________________________ 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Unverified collection account on record. 
Violations : FCRA Section 609 ( a ) ( 1 ) ( Failure to provide proof of debt ), FDCPA Section 809 ( b ) ( Failure to provide debt validation ). 
Action Requested : Provide proper validation or remove this collection account. 
________________________________________ 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection account with no clear identification or validation of debt. 
Violations : FCRA Section 609 ( a ) ( 1 ), Section 607 ( b ), FDCPA Section 809 ( b ). 
Action Requested : Immediate deletion or validation of this account, along with proof of the original creditor. 
________________________________________ 6. XXXX XXXX XXXX XXXXXXXX * * * * Issue : Charge-off account reported with an incorrect balance and no proper documentation. 
Violations : FCRA Section 609 ( a ) ( 1 ), Section 607 ( b ). 
Action Requested : Immediate deletion unless complete documentation is provided. 
________________________________________ Final Notice : If these items are not fully corrected or deleted within 30 calendar days, I will be forced to take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
File a complaint with the Federal Trade Commission ( FTC ). 
Report your continued non-compliance to my State Attorney Generals Office. 
Pursue legal action and file a lawsuit under FCRA Sections 616 and 617, seeking statutory damages, punitive damages, and attorney 's fees. 
This is your final opportunity to comply with the law and correct these errors. If I do not receive a satisfactory response and an updated copy of my credit report within the required timeframe, I will move forward with the aforementioned legal actions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief