Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
I am formally disputing the following negative items listed on my credit reports with Equifax, Experian, and TransUnion. These entries contain errors, are outdated, or have not been properly verified. I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and request your assistance in investigating and correcting the information below. 


XXXX. XXXX XXXX XXXX {$700.00} ( Experian & TransUnion ) Issue : This debt is not mine. I never opened this account and do not recognize this creditor.

Applicable Law : Under FCRA 609 ( a ) ( 1 ) and 611, I have the right to receive verification of any debt listed and to dispute any inaccurate or unverified item.

Requested Action : Please require documentation proving ownership and validity of the debt or remove it from all reports. 


XXXX. XXXX XXXX XXXX {$770.00} ( Equifax ) Issue : This account was previously resolved and is still showing as open and derogatory.

Applicable Law : FCRA 607 ( b ) requires furnishers to report accurate and complete information. 
Requested Action : I request this outdated and inaccurate information be updated or deleted immediately. 


XXXX. XXXX XXXX XXXX Late Payments ( All Bureaus ) Issue : Late payments are being reported inaccurately. Payments were made on time.

Applicable Law : Under FCRA 623 ( a ) ( 1 ) ( A ), creditors must not furnish information they know or have reasonable cause to believe is inaccurate.

Requested Action : Please require the furnisher to reverify the payment history or correct/remove this reporting.

4. Rise Credit/ Elevate Derogatory Status ( Experian ) Issue : Account is reported as seriously past due with a high balance, but the balance was disputed and should not reflect as derogatory.

Applicable Law : Under FCRA 611 ( a ) ( 5 ) ( A ), unverified information must be deleted within 30 days of dispute. 
Requested Action : Remove or update the balance status if no verifiable debt is shown. 


XXXX. XXXX XXXX XXXX ( Equifax & TransUnion ) Issue : I do not recall this account and request verification.

Applicable Law : FCRA 611 and 15 U.S.C. 1681g provide my right to full disclosure and verification. 
Requested Action : Please validate this debt and remove it if unverifiable. 

XXXX. XXXX XXXX / XXXX ( Experian ) Issue : This account is reported as a charge-off with ongoing reporting of past-due balances despite no recent activity or contact.

Applicable Law : Under FCRA 605 ( a ) ( 4 ), accounts in collection generally must be removed after 7 years. 
Requested Action : Remove or re-age the account if it exceeds the legal reporting limit or lacks verifiable updates. 



XXXX. Hard Inquiries Without Authorization Companies : XXXX, XXXX, XXXX  Issue : I did not authorize these companies to perform hard inquiries on my credit file.

Applicable Law : FCRA 604 ( a ) ( 3 ) requires permissible purpose for accessing consumer reports.

Requested Action : Remove any 
unauthorized inquiries that can not be documented with consumer authorization.

8. Incorrect Address Listings Issue : My report lists outdated or incorrect addresses I have never lived at.

Applicable Law : Under FCRA 609 ( a ), I have the right to correct incorrect personal information.

Requested Action : Please remove all inaccurate address records not associated with me.

Company response to consumer: Closed with explanation