Consumer complaint received 2025-11-07 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 to formally demand the permanent deletion of several accounts, collections, and inquiries from my credit report that are inaccurate, unverifiable, and misleading. These items can not be substantiated with proper documentation, and their continued reporting misrepresents my credit history. I am exercising my rights under federal law to have these items completely removed. 
The late or closed accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Additionally, I am disputing a charged-off account : XXXX  XXXX ( Acct : XXXX, Balance Owed : {$530.00} ). This account can not be verified with any documentation, including signed agreements or complete billing history. Continuing to report this charged-off account violates FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), and under FCRA 605B, unverifiable charged-off information must be deleted to prevent harm to my credit file.

Reporting these accounts as late or delinquent while reflecting zero balances is misleading. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Because these accounts can not be verified with supporting documentation, they are in violation of this requirement. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] obligates agencies to delete unverifiable information, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] prohibits furnishers from knowingly reporting incomplete or inaccurate data. Under 15 U.S.C. 605B / 1681c-2, unverifiable information must be permanently removed. 
The collection accounts that can not be verified and must be removed are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$260.00} XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX  XXXX XXXX Balance Owed : {$150.00} These accounts violate FCPA 807 [ 15 U.S.C. 1692e ], which prohibits false, deceptive, or misleading representations, and FDCPA 809 [ 15 U.S.C. 1692g ], which requires written validation of a debt upon request. No proper verification or documentation has been provided, making these accounts unverifiable and unlawful to report. Under 15 U.S.C. 605B / 1681c-2, they must be deleted permanently.

Additionally, there are unauthorized or unverified credit inquiries on my report : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These inquiries were not authorized by me and do not meet the criteria for a permissible purpose under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] or FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ]. Furthermore, FCRA 619 [ 15 U.S.C. 1681q ] prohibits knowingly obtaining information under false pretenses. These inquiries must be permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief