Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax, and TransUnion * * Experian * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE OF INACCURATE INFORMATION - FCRA SECTIONS 611, 613, 615 * * Dear Credit Reporting Agencies, I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). This letter serves as my official dispute regarding the following account : * * DISPUTED ACCOUNT DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Amount : XXXX XXXX {$2000.00} * * DISPUTE GROUNDS : * * This account is completely inaccurate, invalid, and does not belong to me. I have NEVER : - Conducted any business with XXXX XXXX XXXX Applied for any loan or credit from this company - Received any funds, services, or products from this entity - Authorized anyone to apply for credit on my behalf with this company - Had any communication or correspondence with XXXX XXXX XXXX XXXX FCRA LEGAL REQUIREMENTS AND DEMANDS : * * Under the Fair Credit Reporting Act, I hereby demand the following actions : * * 1. FCRA Section 611 ( a ) ( 1 ) ( A ) - Investigation Requirement : * * You must conduct a reasonable investigation within 30 days of receiving this dispute to determine the accuracy of the disputed information.

* * 2. FCRA Section 611 ( a ) ( 2 ) - Notification to Furnisher : * * You must promptly notify XXXX XXXX ( the furnisher ) of this dispute and provide them with all relevant information regarding the dispute.

* * 3. FCRA Section 611 ( a ) ( 5 ) ( A ) - Deletion Required : * * If the disputed information can not be verified as accurate and complete, you MUST delete it from my credit file within 5 business days of completing your investigation.

* * 4. FCRA Section 611 ( a ) ( 5 ) ( B ) - Notification of Results : * * You must provide me with written notice of the results of your investigation within 5 business days of completion, including : - A statement that the investigation is complete - A copy of my credit report if any changes were made - A notice of my right to add a statement if the dispute is not resolved in my favor * * 5. FCRA Section 611 ( a ) ( 8 ) - Furnisher Notification : * * You must notify the furnisher of any deletion and ensure they do not reinsert the disputed information unless it is complete and accurate.

* * 6. FCRA Section 613 ( a ) - Notification of Dispute : * * You must include a notice of dispute with any credit report containing this informat
ion until the dispute is resolved.

* * 7. FCRA Section 615 ( f ) - Reinvestigation : * * If this inaccurate information is reinserted after deletion, you must notify me within 5 business days and provide the name, address, and telephone number of the furnisher
.

* * SPECIFIC DEMANDS : * * 1. * * IMMEDIATE INVESTIGATION : * * Conduct a thorough investigation of this disputed account within 30 days as required by FCRA Section 611 ( a ) ( 1 ).

1. * * VERIFICATION REQUIREMENT : * * Provide complete verification of this debts validity, including : - Original signed contract or agreement - Proof of my identity verification by the original creditor - Complete payment history - Legal authority to collect this debt 1. * * PERMANENT DELETION : * * If verification can not be provided, PERMANENTLY DELETE this entire account from my credit file - not just mark it as disputed or consumer disputes.

1. * * WRITTEN CONFIRMATION : * * Provide written confirmation of the deletion and send me an updated credit report showing the complete removal.

1. * * FURNISHER NOTIFICATION : * * Notify XXXX XXXX  of the deletion and ensure they can not reinsert this information. 

* * ADDITIONAL LEGAL NOTICE : * * This dispute is made in good faith and is not frivolous. The reported information is completely inaccurate and appears to be the result of error, fraud, or mistaken identity. Under FCRA Section 616, any person who negligently fails to comply with any requirement imposed by the FCRA is liable for actual damages, and under FCRA Section 617, willful noncompliance can result in statutory damages of {$100.00} to {$1000.00} plus punitive damages. 

I expect full compliance with all FCRA requirements and the permanent deletion of this inaccurate information. Please handle this matter with the urgency it deserves. 

* * DOCUMENTATION ENCLOSED : * * - Copy of government-issued identification - Copy of credit report highlighting the disputed item - Copy of this dispute letter for your records I look forward to your prompt response and resolution of this matter within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief