Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
To Whom It May Concern, I am filing this complaint due to the continued inaccurate and harmful reporting of negative accounts on my credit file by TransUnion, Experian, and Equifax. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) including but not limited to 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 605 ( a ).

Despite prior disputes, these items remain on my report without proper validation or documentation, and in some cases, with outdated or inconsistent reporting across bureaus. I am demanding immediate removal of the following accounts due to their unverifiable nature, failure to comply with legal consumer rights, and the harm caused to my creditworthiness. 
Accounts in Dispute : XXXX XXXXXXXX XXXX ( Acct # XXXX ) Status : Closed with repossession and 42 months of derogatory history Issue : This account is being reported with a repossession, a past due balance of {$8500.00}, and multiple missed payments. No proof of original agreement, payment history, or proper notice of default has been provided.

Violations : FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 lack of validation, outdated data, inconsistent balance reporting.

Resolution Requested : Full deletion of this account from all reporting bureaus. 

XXXX XXXX XXXX / XXXX ( Multiple Tradelines - XXXX ) Status : Closed accounts marked as Pays as agreed or Payment Deferred Issue : There are multiple duplicate tradelines reporting the same student loan origin and balances with slightly varied data. This fragmented reporting is inflating my debt profile and creating an inaccurate picture of my credit. 

Violations : FCRA 607 ( b ), 611 ( a ) duplicate entries, inconsistent balances, improper treatment of deferred accounts.

Resolution Requested : Consolidation and/or full removal of duplicate tradelines. Provide documentation of each debt if claimed to be separate. 

XXXX ( Open Installment - {$2000.00} ) Status : Open and reporting as Paid or Paying as Agreed Issue : While the status is positive, this account is tied to multiple duplicates under various bureaus with varying balances and open/closed statuses. This inconsistency suggests improper furnishing practices. 

Violations : FCRA 607 ( b ), 609 ( a ) ( 1 ) lack of transparency and proper reporting protocol across bureaus.

Resolution Requested : Verify this account with full supporting documentation or remove all duplicates.

Legal Demand : Under FCRA 609 ( a ) ( 1 ), I demand full documentation and itemization of each alleged account, including : Original signed agreements Full payment history Default notices Any contracts proving my legal obligation If these documents can not be provided within the 30-day investigation window outlined in FCRA 611, the accounts must be removed immediately. Repor
ting unverifiable or inaccurate information is a direct violation of FCRA 607 ( b ).

Resolution Requested : Permanent deletion of all disputed negative accounts listed above from all three credit bureaus. If documentation can not be provided, I demand removal and a written confirmation of compliance. Additionally, remove any dispute notations associated with these accounts that may hinder future lending decisions. 

Sincerely, XXXX XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation