Consumer complaint received 2025-04-26 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:
I am writing to formally notify you that despite multiple previous dispute attempts regarding inaccurate, incomplete, and unverifiable information on my credit report, you have failed to comply with your obligations under the Fair Credit Reporting Act ( FCRA ). 
This letter serves as a final opportunity for reinvestigation and correction before I escalate this matter through formal legal channels. 
You are required under FCRA Section 611 ( 15 U.S.C. 1681i ) to conduct reasonable investigations when a consumer disputes any information.

Continued reporting of unverifiable or inaccurate accounts constitutes willful non-compliance, exposing you to civil liability under FCRA Section 616 and Section 617.

________________________________________ Disputed Items : 1. XXXX  # XXXX XXXX XXXX XXXX XXXX Issue : Multiple inaccurate late payment records. 
FCRA Violations : Section 611 ( Failure to properly reinvestigate ) ; Section 607 ( b ) ( Failure to ensure maximum possible accuracy ).

Action Requested : Delete all unverified late payments immediately if full original creditor documentation can not be provided.

________________________________________ 2. XXXXXXXX  # XXXX XXXX XXXX XXXX XXXX  ( Duplicate entry ) Issue : Duplicate reporting under different amounts ( {$6000.00} and {$3500.00} ). 
FCRA Violations : Section 602 ( A ) ( 1 ) ( Unfair credit reporting practices ), Section 611.

Action Requested : Remove duplicate accounts and correct all reporting inconsistencies.

________________________________________ 3. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Issue : Reporting a charge-off without validation.

FCRA Violations : Section 609 ( a ) ( 1 ) ( Failure to provide proof upon request ).

Action Requested : Delete the charge-off or provide full account validation within 30 days. 
________________________________________ XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off balance inaccurately listed. 
FCRA Violations : Section 611 ( a ) and Section 607 ( b ).

Action Requested : Delete or fully validate the balance history and charge-off status. 
________________________________________ 5. XXXX XXXX # XXXX * * * * Issue : Late payment reports without full history proof.

FCRA Violations : Section 611 ( Failure to verify ).

Action Requested : Remove all unverifiable late payments.

________________________________________ 6. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Reporting charge-off with {$0.00} high credit balance ( financially illogical entry ). 
FCRA Violations : Section 607 ( b ) ( Duty to report accurately ), Section 611 ( a ).

Action Requested : Immediate deletion of this erroneous entry.

________________________________________ Unauthorized/Questionable Inquiries : I also demand that you investigate and remove all hard inquiries that lack permissible purpose under FCRA Section 604. 
These inquiries are damaging my credit profile without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 ) And others listed above. 
Action Requested : Delete all unauthorized hard inquiries unless you can produce original application documents bearing my signature. 
________________________________________ Final Warning : Due to your repeated non-compliance, if these inaccuracies are not corrected within 30 days, I am prepared to file formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office XXXX  XXXX XXXX  ( XXXX  ) Additionally, I am consulting with legal counsel regarding potential litigation under FCRA Section 616 ( Civil Liability for Willful Noncompliance ).

________________________________________ I expect written confirmation of the deletions and an updated copy of my credit report mailed to my address within 30 days as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief