Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to TransUnion/Equifax/Experian, requesting that they delete the inaccurate information on the account. 
To Whom It May Concern : I recently obtained a copy of my Equifax credit report ( report date XX/XX/year> ) and discovered the above-referenced tradeline is reported inaccurately. Under the Fair Credit Reporting Act ( FCRA ), I dispute the following : XXXX. * * No Proof of Original Contract or Chain of Title * * - No copy of the original, signed credit agreement or assignment documents from XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been provided. 
- * * FCRA XXXX ( b ) * * and * * FDCPA XXXX ( b ) * * require furnishers to provide verification upon dispute. 
XXXX. * * Incomplete Payment History * * - The account shows no month-by-month payment ledgeronly a current balance. 
- * * FCRA XXXX ( b ) * * obligates furnishers to investigate all relevant information and correct or delete incomplete data. 
XXXX. * * Misclassification as Charge-Off Without Documentation * * - No documentation explains how the charge-off balance was calculated. 
- * * FCRA XXXX ( b ) * * requires maximum possible accuracy in reporting. 
XXXX. * * Inconsistent Account Naming * * - The tradeline appears under multiple names ( XXXXXXXX XXXX XXXX XXXX XXXX ). 
- * * FCRA XXXX ( b ) * * also demands consistency across all credit files. 
* * Requested Action : * * Within XXXX days, please complete a reasonable reinvestigation. You must either : - * * Delete * * this tradeline entirely, or - * * Provide * * full verification, including : XXXX. Copy of the original signed credit agreement. 
XXXX. Assignment/sale documentation showing chain of title. 
XXXX. Detailed, itemized payment history ledger. 
XXXX. Documentation reconciling the charge-off balance. 
If you can not verify, delete the tradeline and send written confirmation to my address above. 
Failure to comply will result in a formal complaint to the CFPB and pursuit of statutory damages under FCRA XXXX. 

To Whom It May Concern : On XX/XX/year>, I reviewed my Experian credit report and found the above tradeline to be inaccurate and incomplete. Under FCRA XXXX, I hereby dispute for the following reasons : - * * No Original Agreement or Chain-of-Title * * - * * Missing Itemized Payment History * * - * * Charge-Off Misclassification Without Support * * - * * Inconsistent Account Naming * * Please reinvestigate and within XXXX  days either delete this tradeline or furnish full validation : XXXX. A copy of the original signed credit agreement. 
XXXX. Assignment documentation showing each transfer of ownership. 
XXXX. A complete, itemized ledger of all payments, fees, and interest. 
XXXX. An explanation of how the charge-off balance was determined. 
If you can not verify, delete the tradeline and notify me in writing. I will then file a complaint with the CFPB and seek statutory damages under FCRA XXXX. 
Thank you for your prompt attention. 

To Whom It May Concern : I am writing to dispute the above tradeline on my TransUnion credit report ( pulled XX/XX/year> ). 
Inaccuracies include : XXXX. * * Lack of Original Signed Agreement or Chain-of-Title * * XXXX. * * Absence of Detailed Payment History * * XXXX. * * Unsubstantiated XXXX XXXX * * XXXX. * * Multiple Account Name Variations * * Under FCRA XXXX and XXXX ( b ), please reinvestigate and within XXXX days either : - Delete this tradeline, or - Provide full validation ( contract, chain-of-title documents, itemized ledger, charge-off reconciliation ). 
If you fail to act, I will file a formal complaint with the CFPB and pursue statutory damages under FCRA XXXX.

Company response to consumer: Closed with non-monetary relief