Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
XXXX charge-off accounts attributed to XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX reflecting balances of {$130.00} and {$700.00}, are being reported simultaneously across all three consumer reporting agencies, even though I maintained only XXXX XXXX credit card. XXXX previously acknowledged to me that a system duplication occurred following a card reissue and that both account numbers reference the same original credit line. Their internal records never reflected the existence of a second account or a second unpaid balance. The continued reporting of XXXX separate derogatory accounts constitutes inaccurate and duplicative reporting and materially misrepresents my credit history. 
My XXXX account, reported with a {$200.00} balance, is also inaccurately presented. Automatic micro-payments were processed monthly, and at no time did I receive any delinquency notices or system-generated alerts indicating a missed payment. XXXX acknowledged that technical delays in their reporting cycle caused certain accounts to appear unpaid despite being current. This account therefore reflects incomplete and misleading information that does not comply with FCRA accuracy standards. 
Additionally, a XXXX account ending in XXXX is reported as a {$25000.00} charge-off, an amount that has been disputed for several years due to improper deficiency calculations. The lender admitted that the balance included post-sale fees that I never authorized. I repeatedly disputed this balance while attempting to obtain corrected documentation, yet the unverified amount continues to be reported. Absent full original statements, a complete payment history, and documentation proving the legitimacy of every charge, this account can not be considered verifiable under FCRA 611 ( a ). 
I also identified multiple collection accounts that are inaccurately reported and inconsistent across bureaus. The XXXX XXXX collection related XXXX XXXX XXXX for {$2600.00} arose from a lease dispute in which management repeatedly lost documentation, including move-out and maintenance records. They applied charges that contradicted the final walk-through, and when I requested validation, they were unable to produce a complete, itemized statement. Despite this lack of substantiation, the debt continues to be reported as verified. Furthermore, the XXXX XXXX  account for {$1700.00} appears across all three bureaus, while a XXXX  account with the same balance appears everywhere except Equifax, demonstrating inconsistent and unreliable reporting. Such discrepancies render the data unverifiable under FCRA 611 ( a ) and reflect failures to maintain accurate records as required by FCRA 623 ( a ). 
Finally, several hard inquiries appear on my reports that I never individually authorized, including inquiries from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Many of these inquiries occurred during a single auto-shopping event, during which dealerships often submit applications to multiple lenders without consumer authorization. Each inquiry requires a permissible purpose under FCRA XXXX ( a ), and the fact that these inquiries appear on some bureaus but not others particularly missing from Equifax and TransUnion demonstrates incomplete and inconsistent reporting. Any inquiry that can not be supported by clear proof of my direct authorization must be deleted.

Company response to consumer: Closed with explanation