Consumer complaint received 2025-10-17 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: MA

Complaint narrative:
I am submitting this as my fifth formal dispute and demand for permanent removal of several accounts that continue to appear on my credit report. Despite multiple previous disputes, these items remain unverified, inaccurately reported, and in violation of my rights under federal law. I am not seeking correction or update I am demanding full deletion based on their unverifiable and misleading nature. 
I have acted in good faith during each reinvestigation period, allowing sufficient time for verification and documentation to be provided, yet none has been presented to prove the lawful accuracy of these accounts. The continued presence of these items, without verified documentation or proper certification, violates the Fair Credit Reporting Act, which requires only accurate, complete, and verifiable information to remain on a consumer report. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} * * This account is being reported as charged off, yet it reflects a zero-dollar balance. Reporting an account as charged off while showing no remaining debt is misleading and inconsistent with the requirements for accurate data maintenance. Under the law, credit bureaus must ensure that every entry on a consumer report is both verifiable and factually accurate. A charge-off with no balance indicates no continuing obligation, and therefore, the negative notation serves no lawful purpose other than to damage my credit profile. Such reporting violates the standard of maximum possible accuracy required by the Fair Credit Reporting Act and must be permanently deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} These accounts are listed as charged off, but no IRS Form 1099-C was ever issued to me, which is legally required when a debt of over {$600.00} has been canceled. Without this form, there is no lawful indication that a true charge-off has occurred. Reporting a charge-off without the supporting tax documentation is an incomplete and inaccurate reflection of the account status and therefore violates the FCRAs accuracy provisions that require information to be correct and verifiable.

If the creditor has not issued a 1099-C, the charge-off is invalid and can not remain on file. The absence of lawful documentation shows that these items were not verified through proper reinvestigation as required by federal law. Their continued reporting misleads potential lenders and constitutes negligent and willful noncompliance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX  Balance : {$4500.00} * * this collection entry appears to have been reported without proper validation or notice. I have not received any lawful written validation of the alleged debt, which is required under the Fair Debt Collection Practices Act, specifically the provisions protecting consumers from false, misleading, or deceptive collection activities. The FDCPA makes it unlawful to continue reporting a collection without providing verifiable evidence that the debt is valid and that the collector has the legal right to report or pursue it. Furthermore, consumer data that can not be verified under the Fair Credit Reporting Acts reinvestigation requirements must be permanently deleted, not corrected.

The continued reporting of this item without validation or verification violates both my rights under the FDCPAs accuracy and validation requirements and the FCRAs protection against unverified information remaining on a consumers credit file. This account must therefore be permanently removed.

Company response to consumer: Closed with explanation