Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX From : XXXX XXXX DOB : XX/XX/year> SSN ( last 4 ) : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Credit Report Information Dear Equifax, I am formally disputing inaccurate, misleading, and unverifiable information on my credit report, which is severely damaging my creditworthiness, lowering my FICO Score, and posing a material risk of financial harm. I demand that Equifax conduct a full and thorough investigation into the following accounts under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 and take immediate corrective action : XXXX. XXXX XXXX XXXX ( Account # XXXX ) This account is falsely reported as a closed charge-off with a balance of {$29000.00}. I do not recognize this account as mine, and the reporting of this debt as a charge-off is completely erroneous. This account is a derogatory item that can not be verified and must be immediately investigated, corrected, or deleted from my credit report. 
XXXX. XXXX XXXX BANK XXXX ( Account # XXXX ) This account is reported with XXXX late payments, which are inaccurate and unverifiable. These representations are unlawful under the FCRA and must be promptly removed from my credit file. 

I have previously requested a fraud alert on my credit file due to identity concerns, making it imperative that all disputed accounts be verified directly with the original creditors. Under the FCRA, Equifax is legally obligated to investigate disputed information, correct errors, and delete unverifiable items without delay. 

This reporting is materially harming my financial standing, and I demand full deletion of all inaccurate or unverifiable accounts immediately. Failure to comply will leave me with no choice but to pursue all available legal remedies, including formal complaints to the CFPB, state regulators, and civil action for violations of the FCRA. 

I expect written confirmation of your investigation results and the deletion or correction of all inaccurate information within the legally mandated timeframe. 

Sincerely, XXXX XXXX I am formally disputing inaccurate and unverifiable information on my credit report, which is severely harming my creditworthiness and financial standing. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) This account is falsely reported as a closed charge-off with a balance of {$29000.00}. I do not recognize this account as mine, and the reporting of this debt as a charge-off is completely erroneous. This account must be immediately investigated, verified, and deleted from my credit report, as it constitutes a derogatory item that can not be verified. 
XXXX. XXXX XXXX BANK XXXX ( Account # XXXX ) This account is reported with XXXX late payments, which are inaccurate and can not be verified. These items are unlawful misrepresentations under the Fair Credit Reporting Act ( FCRA ) and must be removed without delay. 

I have previously requested a fraud alert on my credit file due to identity concerns. Under FCRA Sections 609, 611, and 623, credit reporting agencies are legally obligated to investigate disputed information with the original creditors, correct errors, and delete unverifiable items promptly. 

This reporting is damaging my credit, lowering my FICO Score, and creating a material risk of financial harm. I demand full deletion of all inaccurate or unverifiable accounts from my credit report immediately. Failure to comply will leave me with no choice but to pursue all legal remedies, including formal complaints to the CFPB, state regulators, and potential civil action for violations of the FCRA. 

I expect written confirmation of investigation results and deletion/correction of all inaccurate information within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief