Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year>, and XX/XX/year>, I submitted formal disputes to XXXX and Equifax regarding inaccurate and unverifiable information on my credit report. Despite my efforts to resolve these issues directly with the credit bureaus, they remain unresolved. 

Personal Information Dispute : The only address and phone number that should be reported on my credit file are XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX. I requested the removal of any outdated or incorrect addresses and phone numbers. 

Account Disputes : XXXX. XXXX XXXX XXXX Reported as a charge-off. Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. If the account is inaccurate or unverifiable, it must be corrected or deleted. 
XXXX. XXXX XXXX XXXX Purchased by another lender. If XXXX no longer owns or reports this account, its presence violates 15 U.S. Code 1681e ( b ). I requested its removal. 
XXXX. XXXX ( Formerly XXXX ) Reported as a repossession. If any information regarding the balance, late payments, or status is incorrect or unverifiable, it must be corrected or deleted per 15 U.S. Code 1681i ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX off but still shows late payments. Under 15 U.S. Code 1666B, payments made before the due date can not be reported as late. I requested removal of the late payments. 
XXXX. XXXX XXXX  XXXX XXXX XXXX separate accounts reported as paid off but still showing late payments. Under 15 U.S. Code 1666B, these late payments should not be reported. I requested correction of this information. 
XXXX. XXXX XXXX XXXX collection account that I do not recognize. Under 15 U.S. Code 1666B and 1692j, a creditor is prohibited from reporting a delinquent account if the consumer has made a timely dispute. I requested full validation or deletion of this account. 
XXXX. XXXX XXXX XXXX XXXX collection account. Under 15 U.S. Code 1692j, it is unlawful to furnish misleading or inaccurate information about a debt. I requested proper documentation proving my liability or removal of this account. 
XXXX. XXXX XXXX XXXX another lender. If the new owner is not reporting it, the entry is outdated and inaccurate under 15 U.S. Code 1681e ( b ). I requested its removal. 
XXXX. XXXX XXXX XXXX  XXXX A paid-off account that incorrectly reports late payments. Under 15 U.S. Code 1666B, these late payments should not be reported. I requested correction. 

Hard Inquiry Disputes : XXXX XXXX, XXXX, and XXXX XXXX I do not recall authorizing these inquiries. Under 15 U.S. Code 1681b, a credit bureau may only report hard inquiries when the consumer has given explicit authorization. I requested documentation of my consent or removal of these inquiries if no proof is provided.

Requested Actions : 1. Investigate and correct the disputed accounts under the FCRA and FDCPA.

2. If the information can not be verified, delete it under 15 U.S. Code 1681i ( a ) ( 5 ). 3. Remove all incorrect addresses and phone numbers. 4. Remove unauthorized hard inquirie
s.

5. Provide a written response with the results of the investigation.

6. Send an updated copy of my credit report reflecting these corrections.

I expect a response within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ).

Company response to consumer: Closed with explanation