Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
I am submitting this formal follow-up dispute regarding multiple inaccurate, unverified, and misleading items on my credit reports. Despite prior disputes, these items remain, causing substantial harm to my credit profile. I am therefore requesting permanent deletion, not correction, of all items listed below. 
The following late-closed accounts are being reported inaccurately with a XXXX balance : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX  Reporting these accounts without verification violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], which requires credit bureaus to conduct a reasonable reinvestigation when information is disputed. Continuing to report these accounts also violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates maximum possible accuracy in consumer reports, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which requires furnishers to report only verified, accurate information. Because these accounts can not be substantiated, they must be permanently deleted. 
The following charged-off accounts remain on my credit reports without proper documentation or verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX These entries violate FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], as a reinvestigation has not been properly conducted. Reporting unverified accounts is also a violation of FCRA 605B [ 15 U.S.C. 1681c-2 ], which requires unverifiable information to be permanently removed. The continued inclusion of these accounts misrepresents my creditworthiness and must be deleted permanently.

Collection Accounts : The following collection accounts remain unverified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$900.00} XXXX Reporting unverified collections violates FDCPA 807 [ 15 U.S.C. 1692e ] and 809 [ 15 U.S.C. 1692g ], as well as FCRA 605B [ 15 U.S.C. 1681c-2 ]. Because these debts have not been validated, they must be removed permanently. 
I have made prior good-faith attempts to resolve these inaccuracies. Yet these unverified, inaccurate, and unauthorized entries continue to appear. I am formally demanding an immediate permanent deletion of all disputed items listed above. Continued reporting constitutes a direct violation of the FCRA and FDCPA, and causes ongoing harm to my credit reputation. 
Inquiries Included in Dispute The following inquiries are being reported without my consent and in violation of my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reporting these unauthorized inquiries violates FCRA 604 ( a ) and 604 ( f ) [ 15 U.S.C. 1681b ( a ) / ( f ) ], and 619 [ 15 U.S.C. 1681q ], which require permissible purpose and consent for all credit pulls. These inquiries are unauthorized and must be permanently removed.

Company response to consumer: Closed with non-monetary relief