Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the negative information reported on account # XXXX ( XXXX XXXX ). This debt was included and XXXX through my Chapter XXXX bankruptcy filed on XXXX. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ( b ) ), I request that you verify and correct this account to accurately reflect the bankruptcy discharge. Negative information such as missed payments or delinquency on a XXXX debt is inaccurate. 
Additionally, under Bankruptcy XXXX XXXX XXXX. XXXX, this debt is XXXX, and reporting it as owed or delinquent violates the discharge injunction. 
Please provide documentation verifying your reporting or remove all negative information related to this account immediately. 
XXXX XXXX XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
I dispute the reporting of this account ( Account # XXXX, XXXX XXXX XXXX XXXXXXXX ) as a charged-off debt with a balance due. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ( b ) ), please provide documented proof of the charge-off and the balance owed. 
According to my records, this debt has been paid in full or settled, and there is no outstanding balance. If you can not provide verification, please delete the negative payment status and update the balance to {$0.00}. 
I also request validation of this debt under the Fair Debt Collection Practices Act ( XXXX XXXX. 
XXXX ). 
Please provide all documents proving the legitimacy of this debt and your authority to report it. 
Failure to respond with adequate proof requires deletion of this account from my credit report immediately. 
XXXX XXXX XXXX  Secured Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ( b ) ), I am requesting that you provide documented proof of the missed payments and late payments reported on this account ( Account # XXXX ). 
If you can not verify the accuracy of this negative payment status, please delete this negative information from my credit report immediately. 
XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ( b ) ), I dispute the reporting of XXXX late payments on account # XXXX. The information is inaccurate and inconsistent with my Equifax credit report, which shows XXXX late payments. 
Please provide documented proof of these late payments. If you can not verify the accuracy of this negative information, you are required by law to delete or correct it immediately. 
XXXX XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ( b ) ), I dispute the late payment status reported on account # XXXX with XXXX XXXX. Please provide complete statements and records of all payments made and missed since account opening. 
If you are unable to provide sufficient proof of the late payments, you are required by law to delete the negative information or correct it immediately. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Dispute of Inaccurate Reporting under FCRA I am writing to dispute inaccurate information being reported on my credit report regarding Account # XXXX with XXXX XXXX XXXX. This account is reported as having multiple late payments and a charge-off. However, this information is inconsistent with my XXXX report, which shows no late payments. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), information furnished to credit bureaus must be accurate and verifiable. I request a full investigation and documentation showing the payment history leading to the reported late payments and charge-off. 
If this information can not be verified with accurate records from the original creditor, I respectfully request that it be corrected or deleted immediately to comply with federal law. 
If the debt was transferred or sold to a collector, I also request validation under XXXX XXXX. 
XXXX ( FDCPA ). 
XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$26.00}. 
Dispute of Inaccurate Reporting Account # XXXX I am writing to formally dispute the accuracy of the information being reported for my XXXX XXXX account ( # WTOZKZNR ). This account is showing a charged-off status and past due balance even though the account has been paid, transferred, or closed with a {$0.00} balance. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), you are required to report only accurate and verifiable information. I request a full investigation and that you provide : Documentation of the alleged charge-off, Proof of the balance owed, Full payment history from the creditor. 
If you are unable to verify this account with complete and accurate records, you are required to correct or delete this account from my credit report. 
Additionally, if this account has been transferred to collections, I request validation under XXXX XXXX. XXXX of the FDCPA, including the name of the original creditor, full itemization of the debt, and proof of your authority to collect or report it. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. 
Dispute of Inaccurate Reporting Account # XXXX ( XXXX XXXXXXXX ) I am disputing the accuracy of the information being reported on this account. It shows a past due status and a charge-off, even though I no longer owe any balance. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), I request you investigate and provide documentation verifying the alleged charge-off and balance owed. If this information can not be fully verified, you are required to remove or correct it. 
Additionally, if the account was transferred to collections, I invoke my right under the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) to request full validation of this debt. 
Please respond within XXXX days as required by law. 
XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Dispute Under FCRA Account # XXXX I am writing to dispute the reporting of a XXXX late payment on this account. This late payment appears to be inaccurate or incomplete. On my Equifax credit report, this same account reflects no late payments. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), you are required to report only accurate and verifiable information. 
I am requesting : Documentation showing the date and details of the alleged late payment, An investigation into the discrepancy across credit bureaus, Correction or deletion of this negative item if it can not be verified. 
Please complete this investigation within XXXX days as required by law. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$54.00}. 
Incorrect charge-off status and balance This account is being inaccurately reported as a charge-off with a {$54.00} balance, even though it is closed and I do not owe any money to this creditor. There are no late payments listed, and the charge-off status contradicts the {$0.00} past-due balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Provide verification of the charge-off, including the original delinquency date and balance. 
If verification is not provided, remove the derogatory status and update the balance to {$0.00}. 
If the creditor can not confirm the debt is still owed, the item should be deleted entirely from my credit report. 
XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Formal Dispute of XXXX XXXX XXXX Account ( # XXXX ) I am disputing the accuracy of the Comenity Capital account reporting a charge-off with {$0.00} balance. This account was transferred to another lender, and the original creditor no longer has ownership. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), I request a reinvestigation of this item and validation of the reporting status. 
The current credit report entry appears incomplete or inaccurate because : There is no balance owed, There are no payment delinquencies, and The account has been transferred. 
Please either provide documentation supporting the charge-off reporting or delete the item entirely. If you can not verify the accuracy, I request that you delete the negative information in compliance with federal law. 
XXXXXXXX XXXX  Cell Phone with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 
I am writing to dispute the accuracy of the information reported for this account. It reflects a charge-off or collection status with a balance due, but the balance is now {$0.00}, and I no longer owe XXXX. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), I request a formal reinvestigation. If the charge-off or collection status can not be fully verified with original creditor documentation, it must be corrected or deleted from my credit report. 
Additionally, if this debt was transferred to a collection agency, I invoke my rights under the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) to request full validation of the debt. 
Please provide : Proof that XXXX XXXX is still the owner of the debt, Complete payment history, Documentation that justifies the reporting status. 
If this account can not be verified as accurate, I respectfully request its deletion under federal law. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX 
Invalid Debt and Duplicate Reporting I am disputing the accuracy and legality of the debt being reported by XXXX XXXX ( # XXXX ), which allegedly originated with XXXX XXXX XXXX 
Under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I request verification of the debt, including proof of assignment or sale from XXXX, and a signed agreement showing my liability. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I demand investigation into the accuracy of this reporting. 
If no such documentation is provided, or if this debt is being reported multiple times, I request immediate deletion of this account from my credit file. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$660.00}. The original creditor is XXXX XXXX XXXX XXXX.. 
Dispute and Validation Request XXXX XXXX XXXX Account # XXXX I am formally disputing the accuracy and validity of the collection account being reported by XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), I request that the credit bureaus reinvestigate and verify : The accuracy of the reported balance, The legitimacy of the charge-off, and That XXXX XXXX XXXX has legal ownership and reporting authority. 
Furthermore, under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I request full validation of the debt, including : Proof of assignment or sale of the debt from XXXX XXXXXXXX XXXX, The original signed agreement, An itemized breakdown of the alleged balance. 
If you are unable to provide proper validation or verification, I request that you remove this item from all credit reporting agencies per federal law. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX. 
Dispute and Validation Request XXXX XXXX XXXX XXXX Account # XXXX I am disputing the accuracy and validity of the collection account currently being reported by Diversified Adjustment for XXXX XXXX This account is showing a balance of {$1000.00}, which I believe is incorrect as I no longer owe any money to the original creditor. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), I request that this account be fully investigated and verified. If it can not be verified with supporting documentation from the original creditor, it must be removed from my credit report. 
In addition, under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I formally request that XXXX XXXX provide : Proof of assignment or legal right to collect this debt, An itemized statement of the debt, The original agreement or documentation supporting the balance. 
If this debt can not be validated or has already been paid, settled, or XXXX, I request immediate deletion of the negative item from my credit report. 
Public Record from a Bankruptcy chapter XXXX on XX/XX/XXXX. 
I dispute the accuracy and completeness of the bankruptcy public record referenced ( # XXXX ) reported by the XXXX Bankruptcy XXXX, filed XX/XX/XXXX, closed XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), I request a full investigation and verification of this record with the court. If verification can not be provided, or if the record is incomplete or inaccurate, I demand that this public record be deleted immediately. 
I also dispute the labeling of my previous dispute as frivolous, as I submitted a clear and legitimate dispute letter. Please provide proof of your investigation or remove this record promptly. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from GXXXX XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I am a XXXX of identity theft and I never authorized this inquiry. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief