Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
SUMMARY OF DISPUTE LETTERS FOR CFPB SUBMISSION CONSUMER INFORMATION : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX Email : XXXX TRANSUNION DISPUTE SUMMARY Total Items Disputed : 17 Charged-Off Accounts ( 12 ) : XXXX # XXXX - {$6500.00} - Disputing accuracy and validation XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - {$2900.00} - Disputing balance and charge-off status XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - {$1200.00} - Disputing completeness and accuracy XXXX XXXX XXXX XXXX XXXXXXXX - {$10000.00} - Disputing with prior dispute history XXXX XXXX XXXX XXXXXX/XX/XXXX ) # XXXX - {$3500.00} - Disputing accuracy XXXX  XXXX ( XX/XX/XXXX ) # XXXX - {$960.00} - Disputing verification XXXX  XXXX ( XX/XX/XXXX ) # XXXX - {$0.00} balance - Disputing inaccurate reporting with {$0.00} balance XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} balance XXXX Disputing double reporting ( purchased by another lender ) XXXXXXXX XXXX XXXX XXXX {$4000.00} - Disputing accuracy and documentation XXXX XXXX XXXX # XXXX - {$16000.00} - Disputing accuracy ( transferred to recovery ) XXXX XXXX XXXX XXXX XXXXXXXX - {$52000.00} - Joint account, disputing inflated balance and liability XXXX XXXX XXXXXXXX - {$150.00} - Disputing accuracy Collection Accounts ( 2 ) : XXXX. XXXX XXXX XXXXXXXX - {$3900.00} ( Original : XXXXXXXX XXXX XXXXXXXX ) - Requesting debt validation XXXXXXXX XXXX XXXX XXXXXXXX - {$5200.00} ( Original : XXXXXXXX XXXX XXXX XXXX - Requesting debt validation Hard Inquiries ( XXXX ) : XXXX. XXXX XXXX - XX/XX/XXXX - Disputing authorization XXXX. XXXX XXXX - XX/XX/XXXX - Disputing authorization XXXX. XXXX XXXX - XX/XX/XXXX - Disputing authorization Dispute Basis : Requesting verification of accuracy, completeness, original agreements, payment history, proper procedures, and debt validation under FCRA 15 U.S.C. 1681.

EQUIFAX DISPUTE SUMMARY Total Items Disputed : 15 Charged-Off Accounts ( XXXX ) : XXXX XXXX XXXX XXXX - {$6500.00} - Disputing accuracy ( previous dispute noted ) XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - {$4000.00} - XXXX negative months, disputing accuracy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) - {$2900.00} - XXXX negative months, disputing accuracy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) - {$1200.00} - XXXX negative months, disputing accuracy XXXX XXXX XXXX XXXX XXXX XXXX - {$10000.00} - XXXX negative months, disputing verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX - {$960.00} - XXXX negative months, disputing accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) # XXXX - {$0.00} balance - Sold to XXXX XXXX  disputing inaccurate reporting XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX ) # XXXX - {$3500.00} - XXXX negative months, disputing accuracy XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance - XXXX late payments, disputing continued negative reporting XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} - XXXX negative months, transferred to recovery, disputing accuracy XXXX XXXX # XXXX - {$52000.00} XXXX Joint account, XXXX negative months, disputing inflated balance XXXX XXXX XXXX XXXX - {$150.00} XXXX XXXX late payments, disputing accuracy Open Account Needing Verification ( XXXX ) : XXXX. XXXX XXXX XXXX  XXXX # XXXX ( XX/XX/XXXX ) - Shows as open with exceptional payment but same number as closed account - Requesting clarification for possible duplicate Collection Accounts ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$3900.00} ( Original : XXXXXXXX XXXX XXXXXXXX ) - Requesting full debt validation XXXX. XXXX XXXX XXXX  # XXXX - {$5200.00} ( Original : XXXXXXXX XXXX XXXXXXXX ) - Requesting full debt validation Dispute Basis : Requesting comprehensive verification under FCRA, including original agreements, complete payment records, proof of proper procedures, chain of custody for collections, and FDCPA compliance.

Company response to consumer: Closed with explanation