Consumer complaint received 2025-06-21 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 formally disputing the continued reporting of a closed collection account from XXXX XXXX XXXX ( account ending in * XXXX ), as listed on my Equifax credit report dated XX/XX/2025, under Confirmation # XXXX. This account is marked as closed yet continues to report an outstanding balance of {$620.00}, which is both misleading and inaccurate. This is not a duplicate dispute, but a new dispute based on updated information now appearing on my credit report, specifically the fact that the account is now labeled closed but still carries a balance. I previously requested documentation to verify the accuracy and validity of this alleged debt. However, despite my request, no evidence was ever provided, and instead, the furnisher proceeded to close the account without supplying any of the required validation materials. I am asserting that this debt is not mine and may be the result of identity theft. Although I am not submitting a police report, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602A ( 4 ), 611 ( f ), and 609 ( e ), which allow me to request the deletion of unauthorized or fraudulent accounts without providing a police report. The burden of verification remains with the data furnisher and Equifax, and no such verification has occurred in this case. Furthermore, no original creditor has been identified, and no signed contract, transfer agreement, or payment history has been provided to establish a legitimate obligation. Under FCRA 609 ( a ) ( 1 ), I am entitled to receive the method of verification, yet this has been ignored. According to FCRA 611 ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted. The continued reporting of this unresolved, closed account with a balance violates 623 ( a ) ( 1 ) ( A ), which prohibits the furnishing of incomplete or inaccurate consumer information. In addition to these statutory violations, this account is being reported in a manner that is inconsistent with XXXX XXXX compliance standards, the credit industrys official data format. Under XXXX XXXX guidelines, a closed collection account should not continue to report a balance, and the account must include fields such as the original creditor and accurate status coding. None of that required formatting appears to be followed here, which means this tradeline is also in violation of FCRA 607 ( b ), requiring maximum possible accuracy in credit reporting.

Finally, because the balance exceeds {$600.00}, I request confirmation that a XXXX Cancellation of Debt form was filed, as required by the IRS if XXXX debt was settled or XXXX. No such record has been disclosed, which further questions the legality of this continued reporting. Given the above deficiencies, I am demanding the immediate permanent deletion of this account from my Equifax report. This account is unverified, improperly reported, closed without validation, and potentially fraudulent. Please confirm in writing that this account has been removed, or provide documentation showing full verification including the original contract, transfer history, and method of verification used.

Company response to consumer: Closed with non-monetary relief