Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Despite multiple requests for correction on my Equifax Credit Report, including the report with the CFPB, report dated XX/XX/XXXX, # XXXX, for items that appear as a result of identify theft, Equifax is continuing to report several inaccurate and unverifiable accounts on my Equifax credit report. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : XXXX. XXXX XXXX Bank XXXX XXXX Acct. ending in XXXX Status : Charge-off / Closed by XXXX XXXX XXXX : {$2100.00} | Credit Limit : {$300.00} Date of First Delinquency : XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681g ), Equifax has not provided ( a ). A copy of the original signed credit application, or contract bearing my signature. 
( b ). All account-level documentation provided by XXXX XXXX that would substantiates the balance, payment history on the account and charge-off status. 
This account must be deleted from my credit file immediately, as continued reporting of unverifiable information violates FCRA 611 and 623. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Status : Charge-off / Closed / Paid / Balance {$0.00} Original Creditor : XXXX XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Note : Equifax previously XXXX this account was deleted, yet it continues to appear, which is a violation of FCRA 611 ( a ) ( 5 ). 

XXXX. XXXX XXXX XXXX XXXX XXXX Acct. ending in XXXX Status : Collection Account / Debt Buyers Account Balance : {$540.00} Original Creditor : XXXX XXXX Date of First Delinquency : XX/XX/XXXX I understand Equifax has previously stated that an investigation was conducted and that the XXXX XXXX XXXX account was verified. However, the FCRA requires more than a cursory electronic confirmation from the furnisher. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax must conduct a reasonable reinvestigation. A mere automated verification does not satisfy this standard. 
I am demanding that Equifax either Provide me with documented evidence that XXXX XXXX XXXX XXXX XXXX has legal ownership and the right to collect on this account ( including original contracts, payment history, and assignment of debt ), OR immediately delete this account as unverifiable, per FCRA 611 ( a ) ( 5 ).

Request for Expedited Deletion While the FCRA allows up to 30 days for reinvestigation, I am requesting resolution within 4 business days due to the immediate harm this inaccurate reporting is causing me. Failure to promptly delete unverifiable or previously deleted information may constitute willful noncompliance under FCRA 616 and 617 ( 15 U.S.C. 1681n and 1681o ). and, Please provide me with : Written confirmation of the reinvestigation results. The name, address, and telephone number of each furnisher contacted, and an updated credit report reflecting the deletion of these accounts.

I am attaching, proof of my address, Drivers License, Social Security Card and Identity Theft Report

Company response to consumer: Closed with non-monetary relief