Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
I am writing to dispute certain inaccurate and potentially unverified negative accounts appearing on my credit report. These entries are causing significant harm to my financial reputation and future opportunities. I am requesting a full reinvestigation under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the removal of any unverifiable or incorrect items. 
Below are the accounts I am disputing : ________________________________________ XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Issue : Late Payments reported inaccurately FCRA Violation : 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information Action Requested : Please verify the payment history and remove if unverifiable or inaccurately reported. 
________________________________________ 2. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Issue : Late Payments however, I never received proper documentation or billing notices regarding these delinquencies.

FCRA Violation : 609 ( a ) ( 1 ) Right to obtain information about any item on my report Action Requested : Validate the reported delinquencies or remove this account from my credit file. 
________________________________________ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Status : Charge Off Issue : This charge-off is being reported without providing the necessary documentation to validate the debt. 
FCRA Violation : 611 Right to dispute incomplete or inaccurate information Action Requested : Delete this entry if validation can not be provided in writing. 
________________________________________ XXXX. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Status : Charge Off Issue : The charge-off amount and date do not match my records. No written notice was sent regarding this account.

FCRA Violation : 623 ( a ) ( 5 ) Accurate reporting of date of first delinquency Action Requested : Investiga
te and delete or correct this entry if discrepancies remain unresolved.

________________________________________ Personal Statement : Over the last few years, I have encountered unexpected hardships, including a loss of income and family emergencies that severely impacted my ability to manage my finances. Despite these setbacks, I am working hard to recover and rebuild my life. However, these inaccurate and unresolved negative marks are making it difficult for me to move forward. 
I kindly request that your bureau take this into consideration and take action to ensure my credit report is accurate, fair, and in compliance with federal law.

________________________________________ Final Request : Under the FCRA, I respectfully request : 1. A thorough reinvestigation of each item listed above 2. Deletion of any item that can not be verified with proper documentation 3. An updated copy of my credit re
port reflecting these corrections Please complete this investigation within 30 days as required by 611 of the FCRA. Thank you for your attention to this matter and your efforts to maintain accurate consumer reporting. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief