Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am writing regarding my previous dispute, which I submitted over 30 days ago, concerning inaccurate and unverifiable information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), you are required to investigate and respond to my dispute within 30 to 45 days. However, I have not received any response from you. This is a direct violation of my consumer rights. If you fail to comply, I will be forced to escalate this matter by filing complaints with the CFPB, FTC, and State Attorney Generals office.

I demand that you properly investigate and delete the following unverifiable and inaccurate items from my credit report immediately : Charge-Off Accounts ( FCRA 1681i ( a ) ( 5 ) ) 1. XXXX XXXX XXXX XXXX XXXXXXXX This charge-off is unverifiable, and no documentation has been provided to validate its accuracy. 
2. XXXX XXXX XXXX XXXXXXXX The reporting contains inconsistencies, and I request immediate verification or deletion. 
3. XXXX XXXX XXXX XXXXXXXX The balance and status reporting are inaccurate ; please provide proper documentation. 
4. XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account is reporting incorrect details. As a debt buyer, they must prove the chain of ownership. 
Collection Accounts ( FCRA 609 ( a ) ( 1 ) ) 5. XXXX XXXX XXXX There is no evidence that I have a legal obligation to pay this debt. Provide the original signed contract. 
6. XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX The original creditor has failed to validate this debt. Remove immediately. 
7. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX The account is inaccurately reporting ; validation is required. 
8. XXXX XXXX ( Original Creditor : XXXX ) # XXXX This is a purchased debt, and I have not received a proper validation notice. 
9. XXXX XXXX XXXX XXXXXXXX This debt contains reporting errors. Provide an itemized breakdown. 
Unauthorized Hard Inquiries ( FCRA 604 ( a ) ) The following hard inquiries were made without my explicit written consent or permissible purpose : 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 XXXXXX/XX/XXXX Under FCRA 604 ( a ), any inquiry without my written authorization must be removed. Since I never applied for credit with these companies, I demand their deletion. 
Conclusion Due to your failure to respond within the legally required timeframe and the lack of verifiable evidence, I demand the immediate deletion of the items listed above. If you do not comply, I will be forced to take further legal action against your bureau for non-compliance with the FCRA. Please send me a new credit report reflecting these corrections. 
I expect your written response within 15 days, as this is now my second request. Failure to do so will result in formal complaints being filed with the CFPB, FTC, and my State Attorney General. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief