Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX To whom it may concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX I would like to formally dispute any information on my credit report that I believe is inaccurate, as permitted by the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires all data included in a consumer 's file to be documented and validated before it can be used by creditors, and I take this matter seriously. 
I respectfully disagree with the allegations of delinquency and derogatoriness against me, as they are false. I believe that the accuracy of my credit report is crucial, and I ask that you maintain and report data with complete accuracy and compliance. As per the law and reporting standards XXXX XXXX, it is imperative that all claims made are accurate and reported in the correct format. 
I kindly request that you provide evidence to support the negative status of my accounts and the permissible purpose for any inquiry or account within my report. I understand that it may take some time to investigate this matter, so I am giving you a period of 30 days from the date of this letter to review and make the necessary corrections. 
I would appreciate receiving physical proof of your actions and my updated credit report. The allegations listed in my report appear to be inaccurate, and I kindly request that you provide accurate and verified information for each claim. If the allegations are found to be untrue, I request that you delete them from my report. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX  Collection Balance : {$640.00} Account # XXXX XXXX Account Type XXXX Open Account Credit Limit XXXX High Credit XXXX {$0.00} {$640.00} Last Reported XX/XX/XXXX Date Last Active XXXX XX/XX/XXXX Account Type Detail Collection Balance XXXX {$640.00} Account Status XXXX Open Past Due XXXX {$640.00} Date of Last Payment XXXX Date Opened BS XXXX XX/XX/XXXX XX/XX/XXXX XXXX Code Payment Status XXXX Late 120 Days Monthly Payment XXXX No. of Months ( terms ) XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX XXXX Collection account Comments XXXX Under 15 USC 1681i ( a ) ( 1 ) this account is in violation of accurate reporting. You are required to investigate the claim and either verify the accuracy of the information or remove it if it is found to be inaccurate - This is inaccurately reporting on my report. 
I am writing to bring to your attention some concerns regarding the information provided for my XXXX  with XXXX. It is essential that information provided to me is accurate, complete, timely, and validated in accordance with the relevant reporting standards and consumer laws. 
Unfortunately, the information provided is insufficient and contains inaccuracies, incompleteness, and unverified claims. To ensure compliance with legal requirements and protect my interests, I request that you provide documented proof of compliance with reporting standards and consumer laws. 
XXXX of XXXX In light of the above, I request that you immediately remove any information that is imperfect, inaccurate, incomplete, or unverified. This action is necessary to protect my rights and interests. 
XXXX XXXX XXXX Collection Balance : {$1400.00} Account # XXXX XXXX Account Type XXXX Open Account Credit Limit XXXX {$0.00} High Credit XXXX {$1400.00} Last Reported XX/XX/XXXX (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX (! ) XXXX XXXX {$1400.00} Account XXXX XXXX XXXX (! ) Past Due XXXX {$1400.00} Date of Last Payment XXXX Date Opened BS XXXX XX/XX/XXXX (! ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 Days (! ) Monthly Payment XXXX No. of Months ( terms ) XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX (! ) XXXX account Comments XXXX Under 15 USC 1681i ( a ) ( 1 ) this account is in violation of accurate reporting. You are required to investigate the claim and either verify the accuracy of the information or remove it if it is found to be inaccurate. - This is completely inaccurate.

I am profoundly disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which constitutes a significant deficiency. I demand the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is imperative that we have comprehensive knowledge through accurate documentation to avoid being unprepared for potential future issues caused by preventable factors due to negligence towards accuracy in favor of convenience alone.

I would like to draw your attention to the presence of Account Type Details : Collection as highlighted in the report. The information pertaining to this account seems to exhibit inaccuracies or inconsistencies when compared to the well-established reporting standards set by the CDIA. I kindly request you to undertake a thorough review of the data in question, ensuring its veracity, accuracy, completeness ( in a timely manner ), verification, and compliance with all requisite criteria. Should any deviations be identified, I kindly urge you to promptly rectify them. If, however, such rectification is not feasible, I would appreciate the removal of my profile from the system.

I must bring to your attention a matter of concern regarding the Account Status ( XXXX ) : Open reported across the three credit reporting agencies. This reporting appears to be inconsistent and not compliant with the established CDIA 's reporting standards. There is a possibility that this reporting may be untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and/or non-compliant with all mandates for ethical and lawful reporting. The discrepancy in this field suggests that this item of reporting may potentially be an issue with reporting accuracy and compliance standards. I would appreciate your prompt attention to this matter to ensure that all reporting is accurate, complete, and fully compliant with the industry standards. 
The information that has been reported concerning Payment Status ( XXXX ) : Late 120 Days appears to be in violation of the essential standards required for compliant reporting. Therefore, I would like to register a complaint challenging the reporter 's right to report this claim unless they can provide evidence of their confirmed and demonstrated adequacy of reporting practices and processes, which include full compliance with the mandatory XXXX XXXX Format standards prescribed by the Credit Reporting Industry. It is evident that one or more of the Last Verified information reported is deficient in terms of reporting proficiency. Hence, it is imperative that the reporter unequivocally demonstrates the accuracy, completeness, and compliance of their reporting with industry standards.

I would like to draw your attention to the No. of Months ( terms ) ( XXXX ) : XXXX that has been reported in the document. It seems that the data pertaining to this account may be erroneous or inconsistent with the established reporting standards of the CDIA. Therefore, I kindly request you to conduct a thorough review of 2 of 5 the information and ensure its veracity, accuracy, completeness ( within the designated timeframe ), verification, and compliance with all relevant requirements. If any discrepancies are found, I would appreciate it if you could promptly rectify them. In the event that this can not be accomplished, I respectfully request that my profile be removed from the system. 
I wish to draw your esteemed attention to an issue concerning the Last Reported : XX/XX/XXXX as documented in the report. It has come to my discerning notice that the data pertaining to this account exhibits potential inaccuracies or deviations from the well-established reporting benchmarks set forth by the CDIA. I humbly request a thorough reevaluation of this matter, with the objective of substantiating its authenticity, precision, timeliness, verification, and compliance with all mandated prerequisites. Should these criteria not be met, I respectfully implore that my profile be expeditiously expunged from the system. Your prompt consideration of this matter is greatly appreciated. 
We would like to bring to your attention that the reporting of Date Last Active ( XXXX ) : XX/XX/XXXX does not comply with the required reporting standards. 
I hereby wish to draw your esteemed attention to the presence of the Date of Last Payment ( XXXX ) : XX/XX/XXXX as identified within the report at hand. Upon careful examination, it has come to my notice that the data associated with this particular account seems to be displaying inaccuracies or inconsistencies when measured against the established reporting standards set forth by the CDIA. In light of this, I respectfully request that you undertake a thorough review of the aforementioned data, ensuring its veracity, accuracy, completeness ( within the designated timeframe ), verification, and compliance with all relevant requirements. 
Should any discrepancies persist, I kindly urge you to promptly rectify the situation by removing my profile accordingly. 
I hereby wish to draw your esteemed attention to the matter concerning the 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX that has been reported within the aforementioned report. It has come to my attention that the data pertaining to this particular account exhibits signs of inaccuracy or inconsistency when compared to the well established reporting standards set forth by the CDIA. In light of this, I humbly request that you kindly undertake a thorough review of the aforementioned data, ensuring its veracity, accuracy, completeness ( within the prescribed timeframe ), verification, and compliance with all necessary requirements. If, perchance, any of these aforementioned aspects are found to be lacking, I kindly request the removal of my profile from the aforementioned system. 
I would like to bring to your attention the matter of my rights being violated. Enclosed within this document are the concerns I have outlined regarding your reporting practices. It is evident that the information provided is incomplete and fails to meet the standards I expect. I must emphasize that according to the law, it is imperative for you to certify all aspects of required FCRAXXXX XXXX compliance in a truthful, accurate, timely, and comprehensive manner. Failure to do so may necessitate the escalation of these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state 's Attorney General for further investigation and resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief