Consumer complaint received 2025-11-14 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:
I am filing a comlpaint to dispute several items currently appearing on my credit file that continue to cause harm due to inaccurate, incomplete, and unverified reporting. I am requesting permanent removalnot a correctionbecause these entries violate my rights under federal law, including the requirements for accuracy, verification, and permissible purpose. 
The late/closed account from XXXX, Account XXXX. XXXX, XXXX : {$0.00} * continues to reflect conflicting information that does not match my records. Under FCRA 611 ( a ), you must conduct a reasonable reinvestigation, and any item that can not be verified must be deleted. In addition, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that they can not prove to be accurate. The contradictions in this reporting also violate the maximum-accuracy requirement in FCRA 607 ( b ). 
The charged-off accounts XXXXXXXX XXXX XXXXXXXX, Account No., XXXX : {$580.00} and XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX : {$0.00} * * continue to appear despite inconsistent, unverified data. Under FCRA XXXX ( a ), anything that can not be confirmed through original documentation must be removed. Furnishers are also required under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate information, and FCRA 605B requires deletion when an item can not be validated or is based on incomplete or unreliable information. 
The charged-off account XXXX, Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} * * is being reported without necessary supporting documentation, including the absence of a required 1099-C for a balance over {$600.00}. Reporting a debt without essential records violates FCRA 607 ( b ) because it results in incomplete and inaccurate information remaining on my file. 
The collection accounts XXXX, Account XXXX. XXXX, XXXX : {$220.00} *, XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$700.00} * *, XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$470.00} * *, and XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$930.00} * * also remain unverified. Under FDCPA 807, collectors may not report misleading or unsubstantiated information, and FDCPA 809 requires them to provide meaningful validation upon requestwhich has not been done. Since these furnishers have not produced adequate proof of the debt, ownership, balance accuracy, or assignment history, their continued reporting violates FCRA 605B, which mandates removal when accounts can not be fully validated. 
The inquiries from XXXX dated XX/XX/year> and XXXX CARD dated XX/XX/year> also appear without proof of a permissible purpose. Under FCRA 604 ( a ), a consumer report may only be accessed for specific lawful reasons, and FCRA 604 ( f ) requires that the user certify this purpose before obtaining the report. Accessing my information without proper authorization violates FCRA 619, which prohibits obtaining a consumer report under false pretenses. Since no valid purpose has been demonstrated, these inquiries must be deleted.

Company response to consumer: Closed with non-monetary relief