Consumer complaint received 2025-04-24 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 writing to dispute the accuracy and legitimacy of several accounts and records currently appearing on my credit report. Despite my efforts to work through the proper channels, these accounts have either not been validated or remain in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Please consider this letter a formal demand for reinvestigation under FCRA Section 611, and take action within the 30-day period as required by law. 
________________________________________ Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No signed agreement, billing statements, or legal validation of debt has been provided. 
FCRA Violation : Section 609 ( a ) ( 1 ), Section 611 ( a ) Failure to verify with supporting documentation.

Action Requested : Immediate deletion unless full validation is received. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Status : Charge Off * * Issue : No proof that I ever owed this debt. The balance, date, and creditor assignment are all unclear. 
FCRA Violation : Section 607 ( b ) Failure to ensure accuracy ; Section 611 ( a ) Lack of verification.

Action Requested : Delete from report unless verified with legal documentation. 
________________________________________ 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 Issue : This account was reported shortly after a personal hardship, and I do not recall ever finalizing this lease or obligation. No proof has been sent despite prior requests. 
FCRA Violation : Section 609 Failure to provide original account details. 
Action Requested : Delete unless validation is completed by the original creditor. 
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 Issue : This appears to be a resale of debt and may be incorrectly reported. Please provide original charge-off documents and a chain of custody.

FCRA Violation : Section 611 ( a ) ( 1 ) ( A ) Right to dispute and reinvestigation Action Requested : Remove this item if it can not be substantiated with all original documentation. 
________________________________________ Address Updates : Please also remove outdated or incorrect addresses that no longer reflect my current or accurate residence history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ I am not just a name on a report. Ive faced serious life challenges and am actively trying to rebuild my financial standing. These entries, many of which are questionable or unverifiable, are blocking me from qualifying for fair housing and credit. I ask that you do whats right and required by lawdelete these items unless fully validated. 
________________________________________ If Not Resolved : If you fail to investigate or continue reporting unverified information beyond the allowed time frame, I will proceed to file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office I may also explore legal options for damages due to inaccurate and unverified reporting under the FCRA and FDCPA. 
________________________________________ Please mail an updated credit report with results of your investigation. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief