Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am filing a complaint to formally dispute several inaccurate accounts and unauthorized inquiries appearing on my credit report. These items are either unverifiable, misleading, or reported in violation of federal consumer protection laws. As a consumer, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have this information permanently removed from my credit file if it can not be fully verified with proper documentation. 
The first item in dispute is a Late Closed account from XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$0.00}. This account has been inaccurately reported with late history even though it is fully paid and closed. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any incomplete or inaccurate information, and the data furnisher must ensure its accuracy under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Your bureau is also required to maintain maximum possible accuracy under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Since this account reflects no balance and no delinquency, it must be corrected and permanently deleted pursuant to 605B / 15 U.S.C. 1681c-2.

I am also disputing two Charged Off accounts reported by XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$270.00}, and XXXX XXXX XXXXXXXX XXXX XXXX with a Balance Owed : {$140.00}. These charge-offs are both unverifiable and inconsistent with my records. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, unverifiable information must be blocked or removed. These accounts should be permanently deleted as they violate reporting accuracy and reinvestigation standards.

Additionally, there is a Charged Off account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a Balance Owed : {$38000.00}. This reporting is incomplete and can not be verified as no Form 1099-C has been issued for a debt cancellation over {$600.00}. The lack of this document makes the reporting inaccurate and noncompliant with FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires full accuracy in all reported information. Therefore, I am requesting the permanent deletion of this entry due to its unverifiable and misleading nature.

In addition to these account errors, my report contains multiple unauthorized inquiries that were made without my knowledge or consent. These inquiries violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit the access of a consumers credit file without permissible purpose. The inquiries in question include : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX and XXXXXXXX XXXX XXXXXX/XX/XXXX. These inquiries were not authorized by me and must be investigated and deleted under 605B / 15 U.S.C. 1681c-2.

Company response to consumer: Closed with explanation