Consumer complaint received 2025-10-27 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 submitting this follow-up complaint to formally dispute several inaccurate accounts and unauthorized inquiries that continue to appear on my credit reports. These items are unverifiable, misleading, and reported in violation of the Fair Credit Reporting Act ( FCRA ). I am exercising my rights under federal law to have all unverifiable or inaccurate information permanently deleted if it can not be fully substantiated by proper documentation. 
Disputed Accounts XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX  Reported as Late Closed, Balance Owed : {$0.00}. 
This account was paid in full and closed in good standing, yet it is being reported with late payment history. 
FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) grants me the right to dispute incomplete or inaccurate data.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) prohibits furnishers from reporting information known to be inaccurate.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires maximum possible accuracy. 
Because this account reflects no balance or delinquency, it must be permanently deleted pursuant to 605B ( 15 U.S.C. 1681c-2 ). 
XXXX XXXXXXXX Accounts XXXXXXXX XXXX XXXX ( {$270.00} ) and XXXXXXXX XXXX XXXX XXXX {$140.00} ) Both accounts are reported as charged-off but remain unverified and inconsistent with my records. Under FCRA 611 ( a ) and 605B, unverifiable information must be blocked or removed. These charge-offs should be permanently deleted as they violate reinvestigation and accuracy standards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$38000.00} * * This charged-off reporting is incomplete and unverifiable, as no Form 1099-C has been issued for any cancellation of debt over {$600.00}. The absence of required documentation renders this entry non-compliant with FCRA 607 ( b ), which mandates complete and acurate information. This account should therefore be deleted in full.

Unauthorized Inquiries My credit file also lists numerous hard inquiries made without my knowledge or consent, in violation of FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ), which prohibit access to consumer credit reports without a permissible purpose. 
Unauthorized inquiries 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 XXXXXXXX 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 XXXXXXXX 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 
Each of these inquiries was unauthorized and must be investigated and permanently deleted pursuant to 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation