Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
In light of the recent lawsuit filed against XXXX by the Consumer Financial Protection Bureau ( CFPB ), I am requesting a thorough and fair reinvestigation of the disputed information on my credit report. The lawsuit highlights concerns regarding compliance with federal consumer protection laws and the accuracy of credit reporting practices. 

As a consumer, I trust XXXX, Equifax XXXX XXXX to uphold its responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is accurate, complete, and verifiable. If the disputed information can not be verified as accurate after a fair reinvestigation. I respectfully request its prompt deletion from my credit file. 

This request is made in good faith to ensure my credit report reflects truthful and accurate information. I did an investigation on my credit report and found several items on there to be inaccurate and that violates federal consumer laws. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph { 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately for inaccuracy and misleading : XXXX XXXX. ) ACCOUNT NUMBER : There are ( XXXX ) Different ACCOUNT NUMBERS B. ) ACCOUNT STATUS : XXXX XXXX XXXX & EQUIFAX PAID XXXX ) DATE OPENED : XXXX XX/XX/XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX ) DATE LAST ACTIVE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ) DATE OF LAST PAYMENT : XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX A. ) ACCOUNT STATUS : XXXX CLOSED EQUIFAX PAID B. ) DATE OPENED : XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX ) DATE LAST ACTIVE : XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX ) DATE OF LAST PAYMENT : XX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX A. ) DATE OPENED : XXXX XX/XX/XXXX XXXX & EQUIFAX XX/XX/XXXX B. ) A CHARGE OFF CAN NOT HAVE A HIGH CREDIT LIMIT. IT IS CLOSED! 

XXXX ) DATE LAST ACTIVE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX ( XXXX ) This account has no permissible purpose to be furnished on a account with my name on it. 
*A ACCOUNT IN COLLECTION CAN NOT HAVE A HIGH CREDIT LIMIT NEITHER HIGH BALANCE. THE ACCOUNT IS CLOSED. 

XXXX XXXX. ) DATE OPENED : XXXX & EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX B. ) *A ACCOUNT IN COLLECTION CAN NOT HAVE A HIGH CREDIT LIMIT NEITHER HIGH BALANCE. THE ACCOUNT IS CLOSED. 

XXXX ) DATE LAST ACTIVE XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX ) DATE LAST PAYMENT : ( XXXX ) DIFFERENT DATES XX/XX/XXXX XX/XX/XXXX XXXX A. ) *A ACCOUNT IN COLLECTION CAN NOT HAVE A HIGH CREDIT LIMIT NEITHER HIGH BALANCE. THE ACCOUNT IS CLOSED. 

B. ) DATE OF LAST ACTIVE : XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX ) DATE OF LAST PAYMENT : XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX THIS ACCOUNT IS SHOWING LATE PAYMENTS WITH SERIOUS INACCURACIES. 
XX/XX/XXXX ( OK ) XX/XX/XXXX ( 90 DAYS LATE ). XX/XX/XXXX ( OK ) HOW IS THIS EVEN POSSIBLE. 


XXXX XXXXXXXX A. ) DATE OPENED : XXXX XXXX EQUIFAX & XXXX XX/XX/XXXX B. ) *A ACCOUNT IN COLLECTION CAN NOT HAVE A HIGH CREDIT LIMIT NEITHER HIGH BALANCE. THE ACCOUNT IS CLOSED. 

C. ) DATE LAST ACTIVE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXXXXXX XXXX XXXX A. ) VALIDATION B. ) EXPLANATION OF CALCULATION C. ) REPOSSESSION DEFICIENCY BALANCE D. ) 15 USC 1681a ( b ) I WILL ATTACH MY STATE ID TO THIS COMPLAINT. PLEASE DELETE ANY THING ACCOUNT THAT IS MISREPRESENTING MY IDENTITY FOR THIS IS IDENTITY THEFT. I HAVE ONLY ( ONE ) ADDRESS LISTED ON MY ID. 
NO JOB OR PHONE NUMBER SHOULD BE REPORTING BY ANY CREDIT REPORTING AGENCY.

Company response to consumer: Closed with explanation