Consumer complaint received 2025-05-26 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:
Subject : Round 3 Dispute Continued Reporting of Inaccurate and Unverifiable Items under FCRA & Metro 2 Guidelines To Whom It May Concern, This is my third formal dispute regarding the inaccurate and unverifiable information being reported on my credit file. Despite previous attempts to resolve these matters, the accounts listed below continue to be reported in violation of the Fair Credit Reporting Act ( FCRA 607, 609, and 611 ) and Metro 2 compliance standards. 
Accounts Still Being Reported Inaccurately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Reported This account is newly opened and is already reporting late payments without substantial payment history. This reflects Metro 2 reporting errors and is likely either inaccurately updated or improperly aged. Under FCRA 609 ( a ) ( 1 ), I request a full method of verification, including a signed agreement and itemized payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment This account is outdated and still reports delinquency. If this account is closed or inactive, and continues to report monthly payment behavior, that is a Metro 2 violation and potentially misleading per FCRA 607 ( b ). I demand validation or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off This charge-off is being reported with a balance. If a Form 1099-C Cancellation of Debt has been filed, continuing to report a balance is illegal double-reporting and a direct violation of IRS regulations and FCRA 623 ( a ) ( 1 ) ( A ). I demand you verify whether a 1099-C was filed and provide all documentation of the accounts current legal status. 
4. Unknown Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX4 Collection This account is completely unrecognized. I have never opened or authorized any such account. Under FCRA 605B, I dispute this as a potential case of identity theft or mixed file. Unless you can provide full documentation ( including the original application with signature, proof of account ownership, and debt validation ), this account must be removed immediately. 
Incorrect Address : Please permanently delete the following address from my credit file, as it is not affiliated with me and may be contributing to reporting inaccuracies : XXXX XXXX XXXX XXXX XXXX, GA XXXX This address is either outdated or associated with accounts I do not recognize. Maintaining inaccurate personal information on my file violates FCRA 607 ( b ), which mandates accurate and verifiable reporting. 
Final Reinvestigation Request : This is a final request for proper reinvestigation under FCRA 611. If you are unable to verify the accuracy, ownership, or reporting compliance of the above items within 30 days, they must be permanently deleted. 
If no action is taken or items are improperly verified again, I am prepared to file formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office

Company response to consumer: Closed with explanation