Consumer complaint received 2025-05-25 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: PA

Complaint narrative:
To Whom It May Concern, This letter serves as my fifth formal dispute concerning the continued reporting of incorrect, unverifiable, and non-compliant information on my credit report. Despite previous requests, these items remain on file without proper validation or legal justification.

I am asserting my rights under the Fair Credit Reporting Act ( FCRA 609 & 611 ), the Fair Debt Collection Practices Act ( FDCPA ) where applicable, and Metro 2 compliance requirements. The following accounts are now in dispute and must either be fully verified with original documentation or permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reporting late payments. 
This account shows a history of late payments despite limited activity and no recent contractual agreement being provided. If this account is closed or inactive and still reporting monthly delinquencies, that constitutes a Metro 2 format violation. I demand the original signed contract, the method of verification, and a full payment history. Failure to provide these within 30 days violates FCRA 611 ( a ) ( 1 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reporting a balance of {$12000.00} with late payments. 
I have never received full validation of this debt. I demand immediate verification of the account including the original loan agreement, full ledger, and chain of ownership. If you are unable to prove this account is accurately reported, you are required to delete it immediately under FCRA 609 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge-off with {$200.00} balance. 
If a 1099-C was issued for this debt, reporting a balance and a charge-off simultaneously constitutes double-dipping, a violation of IRS reporting rules. Continued reporting without updating the account to {$0.00} is misleading and violates FCRA 607 ( b ) for failure to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reporting a charge-off with balance of {$2900.00}. 
If this debt was sold, settled, or forgiven, the balance should be {$0.00}. Additionally, if a 1099-C was filed, continuing to show this as collectible is not only misleading but violates both IRS regulations and Metro 2 standards for status reporting. I demand all supporting documentation including proof of ownership and the date and terms of the charge-off. 
XXXX Final Warning : Under FCRA 611, you have 30 days to complete a reinvestigation. If the data furnisher can not provide full documentation and verification including contracts, ownership proof, payment history, and IRS disclosures where applicable, you are required to delete the disputed accounts immediately. 
Failure to comply will result in formal complaints being filed with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office I am prepared to take all necessary actions to protect my rights as a consumer and to ensure that inaccurate, unverifiable information is permanently removed from my credit profile.

Company response to consumer: Closed with non-monetary relief