Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate and potentially unverifiable items currently reporting on my credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, which grants me the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. 
Please initiate an investigation into the following accounts. If you can not verify the accuracy of each detail within 30 days, these accounts must be deleted per FCRA guidelines. Below are the details of the disputed accounts and the issues associated with each : Personal Information Dispute Inaccurate Addresses Please delete the following addresses that are not current or have been reported incorrectly : 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 I request you to update my file to reflect only my accurate and current address and remove all others. 
________________________________________ XXXX. XXXX XXXX XXXXXXXX Late Payments** Issue : The payment history contains reported delinquencies that are inconsistent and not supported by billing statements in my possession. 
Violation : FCRA 1681i Failure to ensure maximum possible accuracy.

Action Requested : Please investigate and remove or correct these inaccuracies immediately. 
________________________________________ XXXX XXXX XXXX XXXX XXXX Late Payments** Issue : The reported late payments may be due to systemic reporting errors, and I have no verifiable notice of these delinquencies.

Violation : FCRA 1681s-2 Furnishers must provide accurate information.

Action Requested : Conduct a thorough investigation and delete this tradeline if unverifiable. 
________________________________________ XXXX XXXX XXXX XXXX XXXX Late Payments** Issue : This account shows late payments during a time I was on an approved hardship plan. 
Violation : FCRA 1681c Reporting misleading or outdated information.

Action Requested : Update to reflect accurate payment history or remove. 
________________________________________ XXXX XXXX XXXX XXXX XXXX Charge Off** Issue : This charge-off appears without proper documentation or prior notice, making it unverifiable. 
Violation : FCRA 1681i and FDCPA 809 No proper validation provided.

Action Requested : Requesting immediate deletion if documentation can not be verified. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX Late Payments** Issue : Late payments reported beyond seven years from the date of first delinquency.

Violation : FCRA 1681c Obsolete information.

Action Requested : Please remove or correct based on the statute of limitations. 
________________________________________ XXXX. XXXX XXXX # XXXX Charge Off** Issue : Charge-off is inaccurately reported and lacks clarity regarding final balance and charge-off date.

Violation : FCRA 1681s-2 ( b ) Duty to correct and update information.

Action Requested : If unable to verify, delete this account from my report. 
________________________________________ XXXX. XXXX XXXX # XXXX Late Payments** Issue : Payment history shows discrepancies between Equifax and TransUnion reporting .

Violation : FCRA 1681i Inconsistent data across bureaus indicates faulty reporting.

Action Requested : Please review and correct any inconsistencies. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX Late Payments** Issue : Payment reporting does not reflect deferred payments or arrangement terms during XXXX. 
Violation : XXXX XXXX & FCRA XXXX XXXX Requested : Please update or delete this item to reflect accurate history. 
________________________________________ XXXX XXXX XXXX XXXX XXXX Charge Off** Issue : Duplicate charge-off entries under slightly different account numbers raise concern of double reporting. 
Violation : FCRA 1681i Duplicate or fragmented reporting.

Action Requested : Please remove duplicate entries and investigate for accuracy. 
________________________________________ XXXX XXXX XXXX XXXX XXXX Late Payments* IssuXXXX : Account reflects late payments despite autopay enrollment during the disputed time. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing false information.

Action Requested : Please verify and update or remove this account accordingly. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX Collection** Issue : I have never received a debt validation letter or supporting documents. 
Violation : FDCPA 809 ( Validation of Debts ).

Action Requested : If this account can not be validated, please delete it from my report. 
________________________________________ Hard Inquiries ( Possible Unauthorized or Excessive ) : I also request that the following inquiries be investigated for authorization. If not authorized by me, they must be removed per FCRA 604 : 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 Others listed above ________________________________________ Please provide a full reinvestigation summary as per FCRA 1681i, including the name and contact details of all furnishers who verified the disputed data. If you can not validate the accuracy of any item, it must be removed immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief