Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I am writing to dispute and formally request the deletion of several inaccurate, outdated, and unauthorized entries currently listed in my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which guarantees me the right to accurate and verifiable credit reporting.

I request an immediate reinvestigation and the permanent removal of the following items from my credit report. If you are unable to verify these items using original source documentationnot third-party databasesthey must be deleted.

Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurately reporting late payments. I request documentation proving the delinquency, including the payment history and signed original contract. If this can not be verified, it must be removed under FCRA 1681i ( a ). 

Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are being reported as collections. However, I have never received proper validation of these debts. As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you must provide evidence including : Proof of the original creditor The balance owed The chain of custody Proof of my legal obligation to pay If such validation can not be furnished, these collections must be deleted immediately. 

Address Discrepancies Please remove the following outdated or inaccurate addresses not associated with any valid account or reporting period : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 duplicate XXXX My only accurate and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please ensure this is reflected as my current address and all others are removed. 

Unauthorized Inquiries I am also disputing the following hard inquiries that I did not authorize. These inquiries were made without my consent and are harming my credit score. Under FCRA 1681b ( c ), such unauthorized access to my credit file is a violation. 

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 XXXXXX/XX/XXXX These inquiries were not initiated or approved by me. Please provide documented proof of authorization for each or remove them immediately.

My Request As per FCRA requirements, I respectfully request : A full reinvestigation of the items listed above Removal of all unverifiable, inaccurate, or unauthorized entries A new copy of my updated credit report reflecting these corrections Written verification of the results of your investigation within 30 days Please understand that if these inaccurate items are not corrected in a timely manner, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief