Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
Under FCRA 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 3 ), I previously requested disclosure and verification for the accounts listed below, including the original application/contract bearing my signature ( or recorded authorization ), complete account-level records and itemized statements, the charge-off/collection calculation, proof of assignment and chain of title ( if sold ), and the name, address, and telephone number of the original creditor and any subsequent debt buyer. To date, this documentation and a proper Method of Verification have not been provided.

Under FCRA 611 ( a ), the consumer reporting agency must conduct a reasonable reinvestigation and provide the method of verification used, including the business name, address, and telephone number of each furnisher contacted and a description of the procedures used to verify the accuracy. Without the above documents, the information can not be properly verified. 

FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Reporting items that lack substantiation, are incomplete, misclassified, or continue to report disputed information violates this requirement.

Under FCRA 1681i ( a ) ( 5 ), if disputed information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted ( or corrected as appropriate ) and the furnisher notified.

Accordingly, I dispute the accounts listed below as inaccurate and/or unverifiable and request their immediate deletion and that they be blocked from re-reporting absent full documented verification. Please update my file, notify the furnishers, and provide me written results and the Method of Verification within the statutory period.

Requested resolution : I want these items removed and blocked from my credit profile. 



Disputed Accounts ( copy/paste ) XXXX. XXXX : XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX. : not shown Type : Collection ( per remarks ) Status : Open Balance : {$68.00} Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Responsibility : Individual Remarks : Placed for collection XXXX. XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX Account No. : not shown Type : Collection ( per remarks ) Status : Open Balance : {$770.00} Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Responsibility : Individual Remarks : Placed for collection ; Account information disputed by consumer XXXX. Creditor/Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account No. : not shown Type : Not listed in report Status : Open Balance : {$120.00} Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Responsibility : Individual Remarks : not listed XXXX. Creditor : XXXX XXXX XXXX Account No. : not shown Type : Revolving Status : Open ; late payment history present Reported Balance : {$610.00} XXXX XXXX : {$1600.00} Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Payment History : 52 % on-time XXXX. Creditor : XXXX XXXX XXXX Account No. : not shown Type : Installment ( loan ) Status : Open ; late payment history present Reported Balance : {$3900.00} Highest Balance : {$34000.00} Monthly Payment : {$100.00} Opened : XX/XX/XXXX Term : 83 months Last Reported : XX/XX/XXXX Payment History : 50 % on-time

Company response to consumer: Closed with explanation