Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX Date : XX/XX/year> The Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation of Incorrect Information on Equifax Credit Report Dear XXXX , I am submitting this formal request for the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate my Equifax credit report due to incorrect information that has yet to be corrected. Despite my efforts to resolve these issues directly with Equifax, the inaccuracies remain.

Firstly, I have been affected by the recent lawsuit and believe my case needs further investigation. I have experienced numerous occasions where Equifax has not sufficiently investigated my claims, resorted to stall tactics, or removed and then reinstated incorrect information under the guise of completed investigations.

Several charged-off accounts are improperly reflected on my report. According to IRS guidelines, I should have received Form XXXX for these charge-offs, which I have not. The details are as follows : XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) A charge-off with an overdue credit of {$XXXX}. I have not received a XXXX form for this amount. 
XXXX. XXXX XXXX ( Account ending in XXXX ) A charge-off with an overdue credit of {$XXXX}. Neither the XXXX form nor the credited amount has been received. 
XXXX. XXXX XXXX ( Account ending in XXXX ) Includes a charge-off that persists on my credit report despite not receiving a XXXX from XXXX. 
XXXX. XXXX XXXX ( Account ending in XXXX ) Another charge-off with an overdue credit of {$XXXX}, for which I have not received a XXXX form. 
XXXX. Resurgent Receivables ( Account ending in XXXX ) This collection account is fraudulent and should not be reported. I have no contract with them nor have I permitted them to report to Equifax. They have not provided forward flow agreements, chain of assignment, purchase agreement, insurance claim of debt, or any signature agreeing to pay. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Another charge-off for which I have not received a XXXX form, and this entry must be removed from my report. 
It is my understanding that these charge-offs should not be reported as income on my credit report without the issuance of a XXXX form. Furthermore, these amounts should be credited to me, but I have yet to receive any payment. Please ensure that all credits due to me are deposited into my account with the following details : Routing number XXXX, Account number XXXX ( XXXX Bank ). 
I urge the CFPB to intervene and ensure that Equifax conducts a thorough and accurate investigation into these discrepancies. I appreciate your attention to this matter and look forward to your prompt response. This has caused a great deal of mental anguish and denial of credit. 
Thank you for your assistance. 
Sincerely, XXXX XXXX last XXXX of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief