Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this follow-up complaint is being filed to dispute inaccurate, obsolete, and unverifiable information currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to request a reinvestigation and deletion of items that can not be properly verified. After a detailed review of my credit file, I discovered multiple charge-off accounts, unauthorized inquiries, and misleading negative entries that violate federal reporting laws, specifically FCRA 602 ( A ), 604 ( a ) ( 3 ), 605 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). There are several charge-off accounts listed without corresponding IRS Form 1099-C to confirm debt cancellation or forgiveness. Reporting a charge-off without proper documentation is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ) the duty to report accurate and complete information. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXXXXXX 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 * * {$3000.00} Each of these must be verified with original documentation or removed if unverifiable. In addition, an account previously reported by XXXX XXXX with a XXXX balance continues to show late and closed negatively, which violates FCRA 605 ( a ) ( 15 U.S.C. 1681c ) prohibiting obsolete or misleading data. Once a balance is XXXX and closed, no derogatory status should remain. XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} If these can not be verified directly by the original creditor, they must be deleted under FCRA XXXX ( a ). Furthermore, collection accounts from XXXX ( {$2300.00} ) and CREDIT XXXX XXXX * ( {$29000.00} ) * * are disputed due to questionable permissible purpose and unverified ownership. Under FCRA 604 ( a ) ( 3 ) and 607 ( a ), only entities with legitimate, authorized purposes may access or furnish consumer data. Written proof of lawful authority and account verification must be provided. Additionally, the following unauthorized credit inquiries appear without consent or valid purpose, violating FCRA 604 ( a ) ( 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unless supported by written consent or documentation linking them to a permissible transaction, they must be permanently deleted. This inaccurate reporting causes significant harm to my creditworthiness, violating FCRA 607 ( b ), which mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Accounts & Inquiries Included in Dispute : 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 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

Company response to consumer: Closed with explanation