Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
This letter is to formally dispute multiple inaccuracies being reported on my credit file. Despite previous attempts and requests for investigation, these accounts and inquiries remain without proper validation or correction. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and requesting an immediate reinvestigation. 
Below are the disputed items with associated concerns and actions requested : ________________________________________ Late Payments Inaccurate or Misreported 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Many of these accounts reflect late payments that are either outdated, reported during periods of deferment or hardship, or lack proper verification. In some cases, duplicate entries exist.

FCRA Violations : Section 607 ( b ) Failure to ensure maximum possible accuracy Section 611 ( a ) Right to dispute and full reinvestigation Section 609 ( a ) ( 1 ) Right to view all data used in decision-making Action Requested : Please remove or update these accounts to reflect an accurate and fair payment history. I request verification documentation for each, or immediate deletion if not available. 
________________________________________ 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 do not have validated records for these accounts, and no original documentation has ever been provided.

FCRA Violations : Section 609 ( a ) Requires you to provide source and origin info Section 611 ( a ) Unverified negative data must be removed Action Requested : Delete these charge-offs unless legally validated within 15 days. I am willing to cooperate but require proof that these debts are mine and were reported fairly. 
________________________________________ Excessive Hard Inquiries Unauthorized or Excessive Pulls The following inquiries were not initiated with my full consent or relate to services never completed or received. Some include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Issue : I am concerned that many of these inquiries were done without my full understanding or authorization. Hard inquiries significantly impact credit scores and should be strictly regulated.

FCRA Violations : Section 604 ( a ) ( 3 ) Permissible purpose required Section 609 ( a ) Full disclosure must be available upon request Action Requested : Please delete any hard inquiries that are not tied to a credit transaction initiated and authorized by me.

________________________________________ Personal Note : I have worked tirelessly to rebuild my financial life, often in the face of job loss, inflation, and economic hardship. These inaccurate or outdated entries continue to hold me back from securing housing, auto financing, and even basic necessities. I'm not asking for a handoutjust fairness under the law. 
I urge you to reinvestigate each disputed item thoroughly. If your data furnishers can not provide verified documentation, the item must be deleted per FCRA Section 611 ( a ) ( 5 ) ( A ).

________________________________________ Final Warning : If you fail to properly reinvestigate or delete unverifiable data within 30 days, I will escalate this matter by filing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office I am also preparing to seek legal counsel for violations of my rights. 
________________________________________ Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief