Consumer complaint received 2025-09-18 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Incorrect credit reporting ( charge-off ) Narrative : I am disputing inaccurate and unverifiable reporting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This account is reported as a charge-off with a balance of {$1600.00}. The reported balance and status are inconsistent with my records. 

I have requested verification under the Fair Credit Reporting Act ( FCRA 609 & 611 ), but no documentation from the original creditor has been provided. Reporting unverifiable information violates FCRA 623. 

I request that XXXX XXXX either ( XXXX ) provide documented verification such as signed account agreements and payment history, or ( XXXX ) delete this account from my credit reports. 



XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Incorrect credit reporting after sale of account Narrative : XXXXXXXX XXXX XXXX  is reporting a charged-off account with a {$0.00} balance that was allegedly sold to XXXX XXXX XXXX XXXX The original creditor has failed to provide proof of transfer or ownership, and XXXX XXXX has not validated the account under the FDCPA. 

This reporting is inaccurate and violates FCRA 623 as the account continues to appear on my report without proper verification. I request deletion of this tradeline. 



XXXX. XXXX XXXX ( Credit Card ) Issue : Inaccurate charge-off reporting Narrative : XXXX XXXXXXXX reports a charged-off credit card with a balance of {$10000.00}. The reported balance exceeds the original charged-off amount of {$10000.00} and is inconsistent. 

Despite disputes under FCRA 609 & 611, XXXX XXXX has not provided itemized documentation to substantiate this debt. Reporting unverifiable or inflated amounts violates FCRA 623. 

I request deletion of this account unless XXXX XXXX can produce proper documentation. 



XXXX. XXXX XXXX XXXX XXXX XXXX : Inaccurate repossession and charge-off reporting Narrative : XXXX XXXX XXXXXXXX XXXX XXXX XXXX an auto loan as charged-off and repossessed with a balance of {$5200.00}. The account also reflects a {$27000.00} write-off, which conflicts with reported balances. 

I previously disputed this under FCRA, but the reporting continues without proper validation. This inaccurate repossession and charge-off status violates FCRA XXXX. 

I request that XXXX XXXX XXXX XXXX provide documentation ( repossession order, deficiency balance calculation, loan contract ) or remove this reporting. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX Late payment reporting errors Narrative : XXXX XXXX XXXX XXXX an account with XXXX late payments in XXXX and a balance of {$880.00}. I dispute the accuracy of these delinquencies, as the dates do not match my records. 

Under FCRA 611, I requested verification, but XXXX XXXX has failed to provide evidence. Reporting unverifiable late payments harms my credit profile. 

I request deletion of these inaccurate late payment notations. 



XXXX. XXXX XXXX XXXX : Inaccurate late payment reporting on closed account Narrative : XXXX XXXX is reporting XXXX late payments on an account that has since been paid and closed. I dispute the accuracy of these late notations. 

The FCRA requires furnishers to report information that is accurate and verifiable. Since no supporting documents were provided after my dispute, I request these late marks be removed. 



XXXX. XXXXXXXX XXXX XXXXXXXX : Inaccurate repossession/charge-off reporting Narrative : XXXX XXXX  reports an auto loan as both a repossession and charge-off with a balance of {$7800.00}. The reported figures conflict with payment history and original balance. 

I disputed under FCRA, but XXXX verified without providing proper documentation ( repossession notice, deficiency calculation ). This is a violation of FCRA 623. 

I request immediate correction or deletion. 



XXXX. XXXX XXXX XXXX Issue : Collection account without validation Narrative : XXXX XXXX XXXX reports a collection account for {$6600.00} allegedly owed to XXXX XXXX XXXX. I disputed this debt under the FDCPA 809 by requesting validation, but XXXX has failed to provide the original lease, payment records, or proof of ownership. 

Continuing to report a debt without validation violates both FDCPA 809 and FCRA 623. 

I request that this account be deleted immediately from my credit reports.

Company response to consumer: Closed with non-monetary relief