Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
RE : URGENT FORMAL DISPUTE OF ERRONEOUS, UNAUTHORIZED, INACCURATE, DUPLICATE, AND FRAUDULENT ACCOUNTS UNDER FCRA & USC Dear Credit Reporting Agency, I am writing this formal letter under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 16811681x ] and 15 U.S.C. 1681i, to dispute and request the immediate deletion of multiple inaccurate, unverified, unauthorized, and potentially fraudulent entries on my credit report. I am demanding a full reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ) and expect full compliance with all applicable federal consumer protection laws. 
These accounts are either : Being reported inaccurately, Are not mine ( possible identity theft ), Contain unverifiable or incomplete data, Have been re-aged or falsely marked with derogatory statuses, Or are in violation of FCRA, FDCPA, and USC Title 15.

I request that you conduct a proper reinvestigation within the legally allotted 30-day window, as well as provide me with the method of verification for each account per FCRA 611 ( 15 USC 1681i ( a ) ( 7 ) ). Failure to provide evidence of accuracy, verifiability, and lawful furnishing will result in my demand for deletion. 

ACCOUNTS TO BE DELETED IMMEDIATELY XXXX XXXX XXXX XXXX  Account # : XXXX Issue : No payment history, incomplete data, outdated ( last updated XX/XX/XXXX ). I am listed as an authorized user, not responsible for this debt.

Law Violated : FCRA 1681e ( b ), 1681c Action Requested : Full deletion due to outdated, incomplete, and unauthorized data. 




XXXX. XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Issue : Repossession reported without proper documentation. Account shows XXXX negative months and repeated charge-offs, violating federal law against re-aging. 
Law Violated : FCRA 1681s-2 ( a ), FCRA 623, 1681e ( b ), 1681c Action Requested : Remove this account for failure to report accurate, consistent information.

3. DEPARTMENT OF EDUCATION ( All 3 Tradelines ) Account # : XXXX ( XXXX ) Issue : Duplicate entries for the same lender. All accounts show identical derogatory data and {$0.00} balances. Fragmented reporting is misleading and inaccurate. 
Law Violated : FCRA 1681e ( b ), 1681i, 1681s-2 ( a ) ( 1 ) ( A ) Action Requested : Delete duplicate entries. If these are not separate loans, they must be removed as false duplication. 

XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Issue : Account shows XXXX months of charge-off reporting. This is a one-time event and repeated reporting of CO is a clear case of re-aging, a deceptive and illegal practice. 
Law Violated : FCRA 623 ( a ) ( 5 ), 1681c, 1681s-2, FDCPA 807 ( 2 ) ( A ) Action Requested : Full deletion due to unlawful re-aging and misrepresentation of charge-off history. 

XXXX. LEAD BANK ( Closed Account ) Account # : XXXX Issue : Lates reported in XXXX and XX/XX/XXXX, immediately before the account was closed in XXXX. These are inaccurate and not reflective of actual payment history.

Law Violated : FCRA 607 ( b ), 1681e ( b ) Action Requested : Remove this tradeline or correct the inaccurate payment history. 




XXXX. XXXX XXXX Account # : XXXX Issue : Account shows multiple late payments and charge-off but no valid contract or original balance listed. Potentially fraudulent or misreported. 
Law Violated : FCRA 609 ( a ) ( 1 ), 1681e ( b ) Action Requested : Delete unless you can provide original loan documentation and full verification. 

XXXX XXXX XXXX XXXX  Account # : XXXX Issue : Contains multiple late payments in XXXX with no explanation or proper breakdown. XXXX be fraudulently reported. 
Law Violated : FCRA 623, 1681e ( b ) Action Requested : Remove this tradeline unless full original payment verification is supplied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Issue : No payment history, no balance update, no validation of the alleged debt.

Law Violated : FCRA 609 ( a ), FDCPA 809, 1692g Action Requested : Delete unless you can verify contract, balance breakdown, and ownership rights. 

XXXX. XXXX XXXX XXXX Account # : XXXX Issue : Debt buyer with no signed agreement, no proof of ownership, and insufficient reporting. Entries marked C with no history from the original creditor. 
Law Violated : FCRA 623, 1681i, FDCPA 1692g ( b ) Action Requested : Delete immediately unless full validation and original agreement are produced. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Issue : No dates of payment or validation. Potential utility debt reported as a collection without full disclosure. 
Law Violated : FCRA 609 ( a ) ( 1 ), 1681e ( b ) Action Requested : Delete unless full documentation is provided.

LEGAL NOTICE If you are unable to verify these accounts using the original creditors signed agreements, chain of custody, and payment history within the 30-day legal period, you must delete these entries per FCRA 611 ( a ) ( 5 ) ( A ).

Should you fail to comply with these requests or continue reporting unverifiable or inaccurate information, I will exercise my right to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) Pursue legal action for damages under FCRA 616 and 617 I expect your written response with results of your reinvestigation within 30 days, along with the name of the person who conducted it, and the method of verification used. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief