Consumer complaint received 2025-06-21 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:
I am formally disputing the continued reporting of a collection account from XXXX XXXX XXXX ( account ending in * XXXX ), which appears on my Equifax credit report dated XX/XX/year>, under Confirmation # XXXX. The account is now marked as closed, but it continues to report a balance of {$580.00}, which is inaccurate, misleading, and damaging. This is not a duplicate dispute. I am submitting this dispute based on newly updated information specifically that the account is now listed as closed but still reflects a balance, despite no verification ever being provided. I previously submitted a request for full documentation and validation of this account, including a signed contract, ownership transfer history, and evidence of my obligation to repay. No such information was ever provided, and instead, the account was simply marked closed without resolution.I assert that this debt isnot mine and may be the result of identity theft. While I am not submitting a police report at this time, I am exercising my rights under FCRA XXXX ( XXXX ), XXXX ( f ), and XXXX ( XXXX ), which allow me to request deletion of potentially fraudulent accounts without requiring a police report. The burden remains on the furnisher and Equifax to prove the legitimacy of this tradeline, which they have failed to do.In addition to failing to validate the debt, the account reporting violatesFCRA XXXX ( a ) ( XXXX ), as no method of verification has been disclosed. Under FCRA XXXX ( a ) ( XXXX ) ( A ), any unverified account must be deleted. The furnisher may also be in violation of FCRA XXXX ( a ) ( XXXX ) ( A ) for continuing to report incomplete and inaccurate information. Despite being a debt buyer, XXXX XXXX has not identified the original creditor or provided any chain of custody, transfer of assignment, or payment history to validate this account.The account also appears to violateMetro XXXX credit reporting standards, which require accurate data formatting when furnishing information to consumer reporting agencies. A closed collection account should not continue to show an active balance. Additionally, XXXX XXXX requires full classification fields such as creditor ownership, status codes, and closure date formatting all of which appear either missing or improperly coded here. That failure also represents a violation of FCRA XXXX ( b ), which mandates the reporting of consumer data with the maximum possible accuracy.Though the balance isunder {$600.00} and a XXXX Cancellation of Debt is not required by the IRS in such cases, the lack of any supporting documentation especially after the account was marked closed reinforces my claim that this entry is unverified and improper.I am requesting that this account beimmediately and permanently deleted from my Equifax report XXXX Please provide confirmation of removal or submit all documentation that was allegedly used to verify this account, including the original agreement, transfer records, and method of verification. Failure to do so will constitute ongoing noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief