Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am submitting this formal request to demand the permanent deletion of multiple accounts, charged-off balances, collections, and inaccurate addresses from my credit report. Despite my prior communications, these items remain inaccurate, unverifiable, and misleading. Their continued presence misrepresents my creditworthiness and causes unnecessary harm. This is my second formal request for permanent deletion, and I am providing detailed explanations for each item to support its removal under federal law. 
Inaccurate Addresses The following addresses are currently listed on my credit report but are incorrect and unverifiable : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX, XXXX Reporting these addresses violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], which requires a reasonable reinvestigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which prohibits furnishers from knowingly reporting incomplete or inaccurate information. Additionally, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates maximum possible accuracy. The ongoing reporting of these inaccurate addresses is misleading, may result in misdirected correspondence, and could negatively affect decisions made by creditors, landlords, or other institutions relying on my credit file. Therefore, these addresses must be permanently deleted. 
Late or Closed Accounts The following late or closed accounts are inaccurately reported and unverifiable : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Reporting these accounts as late or delinquent while reflecting XXXX balances is misleading. Under FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), 607 ( b ) and 15 U.S.C. 605B / 1681c-2, unverifiable information must be permanently deleted. Continuing to report these accounts in their current state adversely affects my credit reputation and misrepresents my financial obligations. 

Charged-Off Accounts The following charged-off accounts are unverified and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account can not be substantiated with supporting documentation. XXXX XXXX XXXX XXXX  account exceeds {$600.00} and lacks a required Form 1099-C, which is necessary under federal law for debts above that threshold. Reporting these accounts without proper verification violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ). Under 15 U.S.C. 605B / 1681c-2, unverifiable charged-off accounts must be permanently removed to prevent ongoing harm to my credit reputation. 
Collection Accounts The following collection accounts are inaccurate, unverifiable, and must be permanently deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX  These accounts violate FCPA 807 [ 15 U.S.C. 1692e ], which prohibits false, misleading, or deceptive representations in debt collection, and FDCPA 809 [ 15 U.S.C. 1692g ], which requires proper written verification of debts upon dispute. No such documentation has been provided. Under 15 U.S.C. 605B / 1681c-2, unverifiable collection accounts can not lawfully remain on a consumers credit file and must be permanently deleted. Continuing to report these accounts causes demonstrable harm and misrepresents my true credit profile.

Company response to consumer: Closed with explanation