Consumer complaint received 2025-08-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, TX XXXX Equifax Information Services, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Formal Dispute XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the above-referenced account reported by XXXX on both my XXXX  and Equifax credit reports. 

This is not my first dispute. I previously challenged this same account, and XXXX  deleted it due to lack of documentation proving the accounts validity. Neither XXXX  nor Equifax has provided any signed contracts, agreements, or documentation showing that I entered into this account, yet it continues to be reported as a charge-off/collection with derogatory status. 

Inaccurate & Conflicting Reporting Your reporting of this account is inconsistent, inaccurate, and damaging : XXXX  : Deleted the account after reinvestigation confirming no valid documentation exists. 

XXXX  : Reports the account as derogatory/charge-off, with inaccurate dates of last activity and payment history. 

Equifax : Reports the account as derogatory/charge-off, yet payment history shows OK for nearly all months, a direct contradiction. 

This kind of conflicting reporting across bureaus clearly violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy in reporting. 

Violations of Federal Law FCRA 1681e ( b ) : Credit reporting agencies must assure maximum possible accuracy. Reporting a charge-off without proof, while other bureaus deleted it, violates this requirement.

FCRA 1681i : Upon dispute, a CRA must reinvestigate and obtain actual verification, not merely parrot what the furnisher claims. No documentation has been provided to me.

FCRA 1681s-2 : Furnishers are prohibited from reporting information that is inaccurate, unverifiable, or misleading. Continuing to report this account as a collection/charge-off without evidence is a clear violation. 

Charge-Off/Collection Reporting Rules : An account can not legally be reported as both paid and charge-off/collection simultaneously, nor can it reflect contradictory statuses across bureaus. This is misleading and damaging. 

Demand for Immediate Action Given the repeated disputes, conflicting data, and lack of documentation, I am demanding that XXXX  and Equifax : Immediately delete this account from my credit reports; OR Provide me with full verification, including original signed contracts, account statements, and proof of the alleged charge-off. 

Failure to comply will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. I am also prepared to pursue civil legal action for damages, statutory penalties, and attorneys fees under the FCRA. 

This is your opportunity to correct these violations before further action is taken. I expect written confirmation of deletion or complete validation within the legally required time frame. 

Respectfully,

Company response to consumer: Closed with explanation