Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am disputing the following accounts in their entirety because they contain inaccurate, incomplete, or unverifiable information : I demand for the deletion of all inaccurate unverifiable, incomplete re-aged or fraudulent information appearing on my consumer report. 
XXXX. XXXX XXXX XXXX XXXX  XXXX CHARGEOFF Account # : XXXX Balance : {$18000.00} Charge-off notation is inconsistent, dates are contradictory, and payment history has gaps. 
This item was previously disputed and not properly verified, violating FCRA 611 ( a ). 

XXXX. XXXX XXXX  XXXX CHARGEOFF Account # XXXX Balance : {$400.00} Marked as unauthorized services per my prior statement. 
This constitutes potential identity theft or unauthorized activity, and you are required under FACTA & FCRA 609 ( e ) to block or delete unverifiable accounts. 

XXXX. XXXX XXXX XXXX CHARGEOFF Account # : XXXX * * * Balance : {$200.00} Marked as unauthorized services per my prior statement. 
This constitutes potential identity theft or unauthorized activity, and you are required under FACTA & FCRA 609 ( e ) to block or delete unverifiable accounts.

Any other negative items appearing on any bureaus report IncludinXXXX but not limited to any : late payments collection entries charge-offs repossessions inaccurate personal information that are unverifiable, incomplete, or inaccurate. 

I dispute each negative item listed above individually and collectively. 

XXXX. LEGAL BASIS FOR AND DEMAND FOR DELETION A. FCRA 611 You must verify or delete You are legally required to conduct a reinvestigation within XXXX  days. If the furnisher can not produce real verification, you must delete immediately. 

XXXX FCRA 609 ( a ) ( 1 ) /609 ( a ) ( 2 ) Method of Verification Provide me with : XXXX. Name of the person who verified each account XXXX. Verification method used XXXX Business address & phone number of the furnisher XXXX. Copies of all documents you used to verify the items XXXX FCRA 602 Maximum accuracy If accuracy can not be proven beyond doubt, the item must be removed. 

XXXX FCRA 623 Duty of furnishers to report accurately Any creditor that fails to provide accurate and complete information may not continue reporting. 

E. FACTA Identity theft protection Any account believed to involve unauthorized services must be blocked or removed within XXXX business days of receiving my dispute. 

XXXX UCC 1-308 Reservation of rights I reserve all rights and remedies available under commercial law. This clause prevents unintentional waiver of rightsit is NOT a request for deletion, simply a reservation of rights. 
________________________________________ XXXX. ACTION DEMANDED You are required to : XXXX. Delete all disputed negative accounts that can not be fully verified. 
XXXX. Send me a new updated copy of my report showing all deletions. 
XXXX. Provide a complete Method of Verification for each item you choose not to delete. 
XXXX. Cease reporting any unverifiable information going forward. 

Failure to comply will result in formal complaints filed with : CFPB FTC Attorney General Consumer Litigation Counsel ( if necessary )

Company response to consumer: Closed with non-monetary relief