Consumer complaint received 2025-05-26 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: OH

Complaint narrative:
To Whom It May Concern, This letter serves as my XXXX formal dispute demanding the immediate deletion of inaccurate, unverifiable, and improperly reported items from my credit file. I have submitted multiple rounds of disputes, and your continued failure to properly investigate these accounts violates my consumer rights under the Fair Credit Reporting Act ( XXXX  ) and XXXX XXXX Compliance Standards. 
These accounts have caused ongoing damage to my credit profile, resulting in loss of financial opportunity, emotional distress, and a continuously declining score despite no new negative activity. Your inaction reflects willful noncompliance and exposes you to civil liability under FCRA XXXX and XXXX. 
XXXX. XXXX  # XXXX * * * * Late Payments I am disputing the accuracy of this accounts payment history. If the account is in deferment, forbearance, or rehabilitation, continued reporting of late payments is misleading and non-compliant under FCRA XXXX ( b ) and XXXX XXXX reporting rules. 
XXXX. XXXX  # XXXX * * * * Charge Off Reporting a charge-off with no proof of current ownership or account details. If a XXXX was filed, continued balance reporting violates IRS policy and results in double-dipping, which is illegal. I demand deletion unless full validation and proof of current creditor status are provided. 
XXXX. XXXX  XXXX # XXXX * * * * Charge Off This account has not been validated. No original signed contract, payment breakdown, or ownership chain has been provided. Reporting this account without proper documentation violates FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX Collection This account is reporting under a third-party debt collector. Under the FDCPA, I have the right to request full debt validation, including original creditor agreement and itemized balance. Without that, this tradeline must be deleted. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX * * * * Collection I do not recognize this debt and have not received any validation. Continued reporting of a collection without sufficient proof violates FCRA XXXX and FDCPA XXXX. Please provide the full validation or delete it immediately. 
I did not authorize the following inquiries. They lack permissible purpose and must be removed immediately. Continuing to report them violates FCRA XXXX ( a ) and unfairly damages my credit profile : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX AUTO FIN XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CREDIT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX Unless you can provide signed authorization for each of these inquiries, they must be removed for violating my right to privacy and accuracy. 
This is a final demand for full reinvestigation and immediate deletion of the items listed. If these accounts and inquiries are not removed or verified with proper documentation within 15 days, I will be escalating this case by filing formal complaints with the : Consumer Financial Protection Bureau ( XXXX  ) Federal Trade Commission ( XXXX  ) State Attorney Generals Office I am also prepared to take legal action for damages under FCRA XXXX, XXXX, and FDCPA XXXX. 
Delete all unverifiable or inaccurate accounts Remove all unauthorized inquiries Delete incorrect negative items Send me an updated credit report reflecting these changes Failure to comply will be considered intentional noncompliance and handled accordingly.

Company response to consumer: Closed with non-monetary relief