Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  VA XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Request for Deletion of Inaccurate and Unverifiable Information Re : Credit Report Dated XX/XX/XXXXXXXX XXXX XXXX  To Whom It May Concern, I am disputing the accuracy of certain information appearing on my credit report, which is inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Compliance Standards. 
Under FCRA 602 ( A ) and 607 ( b ), your agency is required to report only information that is complete and accurate. Under FCRA 611, I formally request an investigation into the information listed below. If your investigation can not verify the exact accuracy of every item with proper documentation from the original creditornot from a third-party or internal databasethis information must be removed immediately. 
XXXX I. PERSONAL INFORMATION DISPUTE The following names, addresses, and employer listings are inaccurate and not authorized by me, nor are they associated with my legal identity at this time : Incorrect Names Reported ( to be deleted ) : XXXX XXXX XXXX XXXX Correct Legal Name : XXXX XXXX Incorrect/Outdated Addresses ( to be deleted ) : XXXX XXXX, XXXXXXXX MA XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  VA XXXX Outdated Employer Information ( to be deleted ) : XXXX XXXX XXXX ( Outdated since XXXX ) Current employer : XXXX XXXX Under FCRA 609 ( a ) and 610, I have the right to accurate personal information. Reporting outdated or mixed personal files is a violation of my rights. These items must be removed immediately. 
XXXX I am disputing this account because the information being reported is inaccurate, incomplete, and unverifiable, specifically regarding late payments. 
Discrepancies Include ( but are not limited to ) : Late payments reported without factual documentation or proper validation. 
Payment history inconsistently reported across all three CRAs. 
No certified proof of delinquency has been provided by the original creditor. 
Balance and past due amounts do not match from one bureau to another. 
Violations of My Consumer Rights : FCRA 623 ( a ) ( 1 ) ( A ) prohibits the reporting of information that is inaccurate or can not be verified. 
FCRA 611 ( a ) ( 5 ) ( A ) requires deletion of items that can not be VERIFIED during reinvestigation. 
FCRA 607 ( b ) mandates that CRAs follow reasonable procedures to assure maximum possible accuracy. 
Metro 2 Reporting Guidelines require that accounts be reported with full fidelity and accuracy, and if verification can not be provided using original source documentation, the account must be removed in its entirety. 
FDCPA 807 ( 8 ) prohibits reporting false credit information or failing to correct information after notice of a dispute. 
Demand for Reversal and Deletion Because the late payment data is unsubstantiated, unverifiable, and incorrectly reported, I am demanding that : All late payments be permanently removed and updated to Paid as Agreed. 
XXXX III. LEGAL NOTICE & RESPONSE REQUIREMENT Pursuant to FCRA 611, you have 30 days from receipt of this letter to complete your reinvestigation. If the information can not be verified with proper documentation from the original creditor, you are required by federal law to delete the disputed information. 
Additionally, under FCRA 611 ( a ) ( 7 ), if you verify this account, you must provide me with the method of verification, including the name, address, and telephone number of the creditor you contacted. 
Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action under FCRA 616 and 617 for willful noncompliance. 
XXXX REQUESTED ACTION : Delete or correct all inaccurate personal information. 
Remove or update the disputed account as Paid as Agreed. 
Provide me with an updated copy of my corrected credit report. 
XXXX  Sincerely, XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief