Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I am writing this letter to formally dispute the accuracy and validity of several entries currently listed on my credit file. These negative entries are not only questionable but also appear to be in violation of my rights as protected under the Fair Credit Reporting Act ( FCRA ). I am requesting a reinvestigation and immediate removal of any information that can not be fully verified. 
Please review the following accounts : ________________________________________ XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX High Credit : {$26000.00} Status : Late Payments Issue : Payment records do not match my documentation. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information.

Action Requested : Please verify payment history or delete this entry. 
________________________________________ XXXX. XXXX  # XXXX Date Opened : XX/XX/XXXX High Credit : {$610.00} Status : Charge Off Issue : Debt is unverified and no written notice was sent to me. 
FCRA Violation : 609 ( a ) ( 1 ) Failure to provide validation upon request.

Action Requested : Validate the debt or remove this entry. 
________________________________________ XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} Status : Charge Off Issue : Reporting shows inconsistencies in balance and delinquency date. 
FCRA Violation : 623 ( a ) ( 5 ) Failure to report correct date of delinquency.

Action Requested : Investigate and correct or delete. 
________________________________________ XXXX. XXXX  # XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Status : Charge Off Issue : Account XXXX be outdated or time-barred. 
FCRA Violation : 605 ( a ) ( 4 ) Reporting of obsolete accounts beyond 7 years.

Action Requested : Please investigate and remove if outdated.

________________________________________ XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Status : Charge Off Issue : This item has not been validated and is harming my credit unfairly. 
FCRA Violation : 609 ( a ) ( 1 ) Lack of verification.

Action Requested : Please validate or remove. 
________________________________________ XXXX. XXXX XXXX  XXXX # XXXX Date Opened : XX/XX/XXXX High Credit : {$3200.00} Status : Charge Off Issue : No written communication about this debt was received. 
FCRA Violation : 611 Failure to investigate and notify.

Action Requested : Remove if no proof of legitimate debt can be provided. 
________________________________________ XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Status : Charge Off Issue : The reporting agency has not provided proper documentation. 
FCRA Violation : 609 ( a ) ( 1 ) Lack of itemized validation.

Action Requested : Please remove this charge-off if documentation is unavailable. 
________________________________________ Hard Inquiries Not Authorized / Excessive The following inquiries appear on my credit report without my full understanding or consent. Under FCRA 604, a permissible purpose must exist before accessing my report. 
XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Action Requested : Please investigate these inquiries. If they can not be verified as authorized with permissible purpose, I request that they be permanently removed from my report. 
________________________________________Life hasn't been easy, and during the reported periods, I was struggling with financial hardship, including unexpected job loss and personal family emergencies. Despite these obstacles, I am now committed to rebuilding my financial life. However, these outdated, inaccurate, or unverifiable items are making it impossible for me to progress. I kindly ask for your help in ensuring my credit report reflects an accurate and fair history, as per the law. 
________________________________________ Final Request Under my rights afforded by the FCRA, I request the following : A thorough reinvestigation of each item listed above Deletion of any unverifiable, outdated, or incorrect information Removal of unauthorized or excessive hard inquiries A response within 30 days, as per 611 ( a ) ( 1 ) ( A ) of the FCRA Please mail me an updated credit report once your investigation is complete. 
Thank you for your attention to this matter and your commitment to upholding fair credit reporting. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief