Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
I am following up on my previous dispute regarding inaccurate, unverifiable, and incomplete information listed on my credit report. 
Despite providing ample time for investigation, the reporting errors remain unresolved. 
Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure maximum possible accuracy and to conduct a proper reinvestigation. 
Since the information continues to cause me harm, I am demanding immediate action a thorough reinvestigation and deletion of the disputed items listed below if they can not be fully verified with complete documentation. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Reporting late payments inaccurately.

FCRA Violation : Section 611 ( 15 U.S.C. 1681i ) - Failure to ensure maximum possible accuracy and reinvestigate disputed information.

Action Requested : Investigate and delete the late payments if proper documentation can not be provided. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Incorrect reporting of late payments. 
FCRA Violation : Section 611 ( 15 U.S.C. 1681i ) - Failure to verify disputed accounts properly.

Action Requested : Remove the late payment history if verification can not be fully substantiated. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Reporting an unverified collection account. 
FCRA Violation : Section 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) - Failure to provide complete information about the original creditor.

Action Requested : Delete this account if it can not be verified with original creditor documentation. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reporting a charge-off inaccurately. 
FCRA Violation : Section 611 ( a ) - Duty to investigate and delete inaccurate information. 
Action Requested : Permanently delete the charge-off if complete verification can not be presented. 
________________________________________ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Reporting an unverifiable collection. 
FCRA Violation : Section 609 ( a ) - Right to complete information ; failure to provide proof.

Action Requested : Delete the collection account immediately. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reporting an unverifiable collection. 
FCRA Violation : Section 611 ( a ) - Failure to correct inaccurate reporting.

Action Requested : Remove this collection if not verifiable through original documentation. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssue : Reporting a duplicate and unverifiable collection. 
FCRA Violation : Section 607 ( b ) - Failure to maintain accuracy.

Action Requested : Delete duplicate/incorrect entry. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : XXXX account unverifiable. 
FCRA Violation : Section 609 ( a ) - Inability to provide full validation.

Action Requested : Delete the collection account. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection account unverifiable. 
FCRA Violation : Section 611 ( a ) - Incomplete investigation or verification.

Action Requested : Delete if no proof is provided. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reporting of an unverifiable collection. 
FCRA Violation : Section 609 ( a ) ( 1 ) - Failure to disclose information.

Action Requested : Remove if verification is lacking. 
________________________________________ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off inaccurately reported.

FCRA Violation : Section 611 ( a ) - Investigation failure.

Action Requested : Delete if unable to prove with original records. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection reporting without complete validation.

FCRA Violation : Section 609 ( a ) - Failure to disclose complete data.

Action Requested : Immediate removal. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off listed without proper validation. 
FCRA Violation : Section 611 ( a ) - Inaccurate reporting.

Action Requested : Delete charge-off if unverifiable. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off inaccurately listed. 
FCRA Violation : Section 607 ( b ) - Lack of maximum accuracy.

Action Requested : Remove if verification fails. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect charge-off reporting. 
FCRA Violation : Section 611 ( a ) - Duty to ensure maximum accuracy.

Action Requested : Delete after investigation if inaccurate. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Reporting unverifiable charge-off.

FCRA Violation : Section 609 ( a ) - Failure to disclose original contract.

Action Requested : Immediate deletion. 
________________________________________ XXXX. XXXX XXXX XXXX # XXXX * * * * Issue : Charge-off account unverifiable. 
FCRA Violation : Section 609 ( a ) and 611 ( a ) - Inability to validate.

Action Requested : Permanent deletion. 
________________________________________ 18. Unauthorized/Incorrect Hard Inquiries Issue : Hard inquiries reported without my authorization ( no permissible purpose ).

FCRA Violation : Section 604 - Permissible Purpose Violation. 
Action Requested : Delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ________________________________________ Because of these errors XXXX my financial dreams are being crushed. 
Despite my efforts to rebuild and provide a secure life for my family, these inaccuracies have been a constant barrier affecting my ability to rent a home, buy a car, and even gain employment. 
I kindly urge you to take immediate action to correct these errors and help me get a fair opportunity at life again. 
________________________________________ In accordance with FCRA Section 611, you are required to complete this reinvestigation within 30 days and notify me in writing of the results. 
If you can not provide original source documentation to verify the accounts, you must delete them from my credit file immediately. 
Please mail the updated copy of my credit report to the address listed above once the investigation is complete. 
Thank you for your prompt handling of this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief