Consumer complaint received 2025-09-21 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:
Complaint Narrative ( paste into What happened? ) FCRA DISPUTE & IDENTITY-THEFT ADDENDUM NOTICE OF NON-COMPLIANCE SUBJECT : 607 ( b ), 609 ( a ) ( 1 ), 611, 611 ( a ) ( 5 ) ( B ), 605B Identity-theft blocking, reinsertion controls, maximum possible accuracy, and complete Method of Verification.

1 ) Personal information update & purge ( PII ).

Report only my correct legal name and current address ; purge obsolete addresses, phone numbers, and employment entries, especially any identifiers associated with fraudulent items. ( Metro 2 112 Personal Information Dispute ).

2 ) Identity theft 605B immediate block. 
On [ XX/XX/XXXX ], I submitted a valid Identity Theft Report ( FTC Ref # [ ________ ] ) and Police Report ( Case # [ ________ ] ) requesting 605B blocking of fraudulent tradelines. More than four business days elapsed and affected items remain unblocked. Please block and cease reporting/reselling any identity-theft items and provide written confirmation with an updated report. 

XXXX ) Cross-bureau inaccuracies & specific tradelines. 

A ) XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX  Status : derogatory/charge-off, but core fields conflict : Open Date : TU XX/XX/XXXX vs XXXX XX/XX/XXXX. 
Balance/Past-Due : TU XXXX XXXX {$0.00} vs XXXX $ XXXX {$15000.00}. 
High Credit : TU {$0.00} vs XXXX {$29000.00}. 
Last Reported : TU XX/XX/XXXX vs XXXX XX/XX/XXXX. 
Date Last Active : TU XX/XX/XXXX vs XXXX XX/XX/XXXX. 
Comments : Charged off, paid profit & loss ( TU ) vs Unpaid balance reported as a loss ( XXXX ). 
These conflicts violate 607 ( b ) and require a 611 reasonable reinvestigation using creditor-held documents. ( Metro 2 fields for balance/past-due/high-credit must align. ) Requested remedy : Delete as inaccurate/unverifiable or correct to one verifiable history based on original records ( contract, full ledger, charge-off worksheet ). 

B ) XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX TU XXXX XXXX XXXX  Status shows Transferred, yet TU reports a 30-day late after the transfer month with an incomplete/aging payment string ; balance/past due are {$0.00}. Without parallel XXXX reporting, this appears mis-coded. 
Violations : 607 ( b ) accuracy ; ( Metro 2 162 Payment History Profile Dispute ).

Requested remedy : Remove inaccurate late markers or delete the tradeline if transfer/payment history can not be verified ; otherwise correct to complete Metro 2 standards ( Transferred/Closed, $ 0/ {$0.00}, no post-transfer lates ). 

4 ) Late-payment reporting issues ( global ).

Multiple tradelines show 30/60/90/120 lates without complete strings, or OK histories paired with charge-off labels. With identity-theft indicators, this is misleading.

Remedy : Delete inaccurate lates, or delete under 605B where applicable. ( Metro 2 162 ).

5 ) Improper reinsertion 611 ( a ) ( 5 ) ( B ).

For any item previously deleted and later reinserted, obtain furnisher certification and provide 5-day written notice with contact details. Items flagged as identity theft require fresh certification tied to verified identifiers. ( Metro 2 118 ). 6 ) Method of Verification 611 ( a ) ( 6 ) & 609 ( a ) ( 1 )
.

For any item you refuse to delete/block, provide a complete MOV : manual vs e-OSCAR ; furnisher name/address/member code ; documents relied upon ( signed application or authenticated e-sign audit trail with IP/device/time/geo, full billing ledger, payment history ) ; verification date and reviewer identity. If creditor-held evidence tying the account to me can not be produced, delete the item.

Company response to consumer: Closed with explanation