Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Summary of Credit Dispute Letters Client : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Date Sent : XX/XX/XXXX Bureaus : TransUnion, Experian, Equifax Accounts Being Disputed : XXXX. XXXX  - Account # XXXX Issues Disputed : Late payment status ( XXXX days late ) - claimed to be inaccurate Account balance of {$11000.00} disputed Balance exceeds high credit limit ( {$11000.00} ) - mathematically impossible Contradictory dates ( Last Active : XX/XX/XXXX is a future date ) Date of Last Payment ( XX/XX/XXXX ) occurs AFTER Date Last Active ( XX/XX/XXXX ) Derogatory status without proper documentation Action Requested : Delete the entire account if full verification can not be provided XXXX. XXXX  - Account # XXXX Issues Disputed : Settled, less than full balance '' notation disputed Late payment designations ( XXXX days ) disputed Continued derogatory reporting after the settlement is improper No settlement agreement documentation provided Action Requested : Delete the account if complete verification and settlement documents can not be provided XXXX. XXXX XXXX  - Collection Account # XXXX ( Original Creditor : XXXX Communications - Amount : {$120.00} ) Issues Disputed : The client disputes owing this debt entirely Never received FDCPA-required debt validation notice No proof of original contract with XXXX XXXX No recollection of having XXXX XXXX service The collection agency failed to provide the required documentation Possible identity theft or fraudulent account Action Requested : Delete the collection account if XXXX XXXX can not provide validation, the original contract, and proof of legal authority to collect Legal Basis for Disputes : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Bureaus must investigate within 30 days Must delete unverifiable or inaccurate information Must provide written results of the investigation Must notify furnishers of investigation results Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : Collection agencies must provide validation notices Must cease collection until debt is validated Reporting unvalidated debts violates federal law Documents Enclosed with Each Letter : Copy of government-issued photo ID ( Ohio XXXX ID XXXX Proof of current address Social Security documentation ( last XXXX digits : XXXX ) Warnings Issued to Bureaus : If disputes are not properly investigated or inaccurate information continues to be reported, the client will : File complaints with the Consumer Financial Protection Bureau XXXX CFPB ) File complaints with the Federal Trade Commission ( FTC ) Contact the Ohio Attorney General 's office Pursue legal action for statutory damages, actual damages, punitive damages, and attorney fees under FCRA Expected Timeline : Bureaus have 30 days to complete the investigation Client expects written results and an updated credit report All correspondence to be sent to the address listed above

Company response to consumer: Closed with explanation