Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/XXXX Experian P.O. XXXX XXXX, XXXX, TX XXXX Re : Formal Dispute? Multiple Accounts To Whom It XXXX Concern : This letter serves as a formal dispute of the following accounts appearing on my consumer credit report. Each account listed below is either inaccurate, unverifiable, incomplete, or legally deficient under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ). I am asserting my rights under federal law to demand immediate reinvestigation and correction or deletion. 
Creditor : XXXX XXXX XXXX  XXXX, XXXX. 
Account XXXX XXXX XXXX 
Balance : {$1800.00} XXXX. Removal : XXXX/XXXX Issues : - Inconsistent reporting after charge-off. 
- No supporting documentation of debt ownership. 
- Unverified and unresolved entry in violation of FCRA. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Balance : {$130.00} Est. Removal : XXXX XXXX : - No FDCPA-compliant validation notice. 
- Unauthorized and unverifiable collection. 
- Failure to mark dispute in credit file. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} Est. Removal : XXXX/XXXX Issues : - No proof of debt ownership or chain of title. 
- Duplicate of another entry by same creditor group. 
- Violation of XXXX XXXX. XXXX. 
Creditor : XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Balance : {$160.00} Est. Removal : XXXX/XXXX Issues : - Duplicate entry from same original creditor as XXXX. 
- No validation provided. 
- XXXX inaccurate and misleading. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX. Removal : XXXX/XXXX Issues : - Post-charge-off activity reported unlawfully. 
- Account closed but updates continue monthly. 
- Fails accuracy under XXXX XXXX. XXXX ( b ). 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX. Removal : XXXX/XXXX Issues : - Same violations as other XXXX account. 
- No verification or assignment documentation. 
- Misleading charge-off data reporting. 
Creditor : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Est. Removal : XXXX/XXXX Issues : - XXXX balance but marked as charge-off. 
- No account validation received. 
- Conflict between charge-off and balance shown. 
These tradelines violate multiple provisions of the FCRA including but not limited to * XXXX U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) *, * XXXX ( b ) *, and obligations imposed upon furnishers of information under * XXXX ( b ) *. 
Further, they lack proper documentation under * XXXX XXXX * and * XXXX ( b ) *. 
I demand immediate deletion or verified correction within the XXXX statutory reinvestigation window. Failure to do so will result in formal complaints being filed with the CFPB, the Arizona Attorney General, and legal action for willful noncompliance under * XXXX XXXX. XXXX *. 
You are prohibited from continuing to report any item you can not substantiate. Govern yourselves accordingly. 
Respectfully, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/XXXX Equifax P.O. Box XXXX, XXXX, GA XXXX Re : Formal Dispute? Multiple Accounts To Whom It XXXX Concern : This letter serves as a formal dispute of the following accounts appearing on my consumer credit report. Each account listed below is either inaccurate, unverifiable, incomplete, or legally deficient under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ). I am asserting my rights under federal law to demand immediate reinvestigation and correction or deletion. 
Creditor : XXXX XXXX XXXX  XXXX, XXXX. 
Account XXXX XXXX XXXX 
Balance : {$1800.00} XXXX. Removal : XXXX/XXXX Issues : - Inconsistent reporting after charge-off. 
- No supporting documentation of debt ownership. 
- Unverified and unresolved entry in violation of FCRA. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX Balance : {$130.00} Est. Removal : XXXX XXXX : - No FDCPA-compliant validation notice. 
- Unauthorized and unverifiable collection. 
- Failure to mark dispute in credit file. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} Est. Removal : XXXX/XXXX Issues : - No proof of debt ownership or chain of title. 
- Duplicate of another entry by same creditor group. 
- Violation of XXXX XXXX. XXXX. 
Creditor : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} Est. Removal : XXXX/XXXX Issues : - Duplicate entry from same original creditor as XXXX. 
- No validation provided. 
- XXXX inaccurate and misleading. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX. Removal : XXXX/XXXX Issues : - Post-charge-off activity reported unlawfully. 
- Account closed but updates continue monthly. 
- Fails accuracy under XXXX XXXX. XXXX ( b ). 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX. Removal : XXXX/XXXX Issues : - Same violations as other XXXX account. 
- No verification or assignment documentation. 
- Misleading charge-off data reporting. 
Creditor : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Est. Removal : XXXX/XXXX Issues : - XXXX balance but marked as charge-off. 
- No account validation received. 
- Conflict between charge-off and balance shown. 
These tradelines violate multiple provisions of the FCRA including but not limited to * XXXX U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) *, * XXXX ( b ) *, and obligations imposed upon furnishers of information under * XXXX ( b ) *. 
Further, they lack proper documentation under * XXXX XXXX * and * XXXX ( b ) *. 
I demand immediate deletion or verified correction within the XXXX statutory reinvestigation window. Failure to do so will result in formal complaints being filed with the CFPB, the Arizona Attorney General, and legal action for willful noncompliance under * XXXX XXXX. XXXX *. 
You are prohibited from continuing to report any item you can not substantiate. Govern yourselves accordingly. 
Respectfully, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/XXXX TransUnion P.O. XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute? Multiple Accounts To Whom It XXXX Concern : This letter serves as a formal dispute of the following accounts appearing on my consumer credit report. Each account listed below is either inaccurate, unverifiable, incomplete, or legally deficient under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ). I am asserting my rights under federal law to demand immediate reinvestigation and correction or deletion. 
Creditor : XXXX XXXX XXXX  XXXX, XXXX. 
Account XXXX XXXX XXXX 
Balance : {$1800.00} XXXX. Removal : XXXX/XXXX Issues : - Inconsistent reporting after charge-off. 
- No supporting documentation of debt ownership. 
- Unverified and unresolved entry in violation of FCRA. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX Balance : {$130.00} Est. Removal : XXXX XXXX : - No FDCPA-compliant validation notice. 
- Unauthorized and unverifiable collection. 
- Failure to mark dispute in credit file. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Balance : {$990.00} Est. Removal : XXXX/XXXX Issues : - No proof of debt ownership or chain of title. 
- Duplicate of another entry by same creditor group. 
- Violation of XXXX XXXX. XXXX. 
Creditor : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} Est. Removal : XXXX/XXXX Issues : - Duplicate entry from same original creditor as XXXX. 
- No validation provided. 
- XXXX inaccurate and misleading. 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX. Removal : XXXX/XXXX Issues : - Post-charge-off activity reported unlawfully. 
- Account closed but updates continue monthly. 
- Fails accuracy under XXXX XXXX. XXXX ( b ). 
Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX. Removal : XXXX/XXXX Issues : - Same violations as other XXXX account. 
- No verification or assignment documentation. 
- Misleading charge-off data reporting. 
Creditor : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Est. Removal : XXXX/XXXX Issues : - XXXX balance but marked as charge-off. 
- No account validation received. 
- Conflict between charge-off and balance shown. 
These tradelines violate multiple provisions of the FCRA including but not limited to * XXXX U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) *, * XXXX ( b ) *, and obligations imposed upon furnishers of information under * XXXX ( b ) *. 
Further, they lack proper documentation under * XXXX XXXX * and * XXXX ( b ) *. 
I demand immediate deletion or verified correction within the XXXX statutory reinvestigation window. Failure to do so will result in formal complaints being filed with the CFPB, the Arizona Attorney General, and legal action for willful noncompliance under * XXXX XXXX. XXXX *. 
You are prohibited from continuing to report any item you can not substantiate. Govern yourselves accordingly. 
Respectfully, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation