Consumer complaint received 2025-11-03 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:
This complaint serves as my third formal request for the permanent removal of several accounts and inquiries that remain on my credit report despite previous disputes. I am not seeking a correction or modification I am requesting complete deletion under the protections of federal law. These items have been disputed multiple times, yet they continue to appear without proper verification, causing ongoing harm to my credit standing and personal peace of mind.

After reviewing my credit report once again, I noticed that several accounts are still being reported inaccurately, even though they show no outstanding balance and can not be verified as legitimate. These include XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * and XXXX XXXX Account No : XXXX Balance Owed : {$0.00}. Both accounts were closed and reflect no active debt, yet they continue to appear as if they were delinquent or late. The Fair Credit Reporting Act ( FCRA ) requires that every item of information reported be accurate, and under FCRA 607 ( b ), consumer reporting agencies must maintain procedures to assure the maximum possible accuracy of the information they include. Reporting accounts that have no balance and are no longer active as delinquent is misleading and must be permanently removed.

Likewise, the XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} and XXXX XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * accounts are still being listed as charged-off, even though they also reflect XXXX balances and no verifiable proof of accuracy. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate, and FCRA 605B requires that any information that can not be verified or results from unauthorized activity be blocked and deleted. Continuing to report these accounts without valid documentation is a clear violation of those provisions, and these items must be permanently deleted, not updated.

I also discovered that my credit report still lists unauthorized inquiries that I never approved or initiated, specifically 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I have never applied for credit or authorized these entities to access my credit file. FCRA 604 ( a ) and FCRA 604 ( f ) prohibit the obtaining of a consumer report without a permissible purpose or consumer consent, and FCRA 619 makes it unlawful to obtain such information under false pretenses. Because these inquiries were not authorized by me, they must be immediately and permanently removed.

Company response to consumer: Closed with explanation