Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
XXXX Accounts : XXXX XXXX ( Account XXXX XXXX ) This account does not belong to me I have never had this captial one credit card. I have sent dispute letters to XXXX and to capital one and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
2.Navy XXXX XXXX XXXX XXXX Account XXXX XXXX ) This is an inaccurate account. The account shows as closed and needs to be deleted from my report. I have sent dispute letters to transunion and to XXXX federal CR union and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
XXXX A R ( Account Number XXXX ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to XXXX and to Summit A R and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 

4.Exeter XXXX XXXX XXXX Account XXXX XXXX ) This is an inaccurate account. The account shows as closed/charged off and the debt has been listed as sold and needs to be deleted from my report. This account was sold to XXXX XXXX XXXX and was recently deleted from my credit report for inaccurate data and failure to validate the debt. I have sent dispute letters to transunion and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
5.SBNASELFLNDER ( Account Number CBA XXXX ) This is an inaccurate account. The account shows as closed and needs to be deleted from my report. I have sent dispute letters to transunion and to XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report 6.XXXX A R ( Account XXXX ****** ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to XXXX and to Summit A R and neither company has been able to validate the debt. Please remove this inaccuracy from my report 7.XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX ) XXXX ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to transunion and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
XXXX XXXX XXXX XXXX Account XXXX XXXX ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to transunion and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report 9.XXXX XXXX XXXX XXXX Account XXXX XXXX ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to transunion and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
10.TrueAccord C ( Account XXXX XXXX ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to transunion and to XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
XXXX XXXX ( Account XXXX XXXX ) This is an inaccurate account. The account shows as closed/charged off and shows an incorret balance of {$210.00} and needs to be deleted from my report. I have sent dispute letters to transunion and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 

As outlined in XXXX XXXX. XXXX ( a ) ( XXXX ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information., improperly reinserts previously deleted inaccuracies, and provides misleading dispute results to consumers. The CFPBs allegations include the following : Failure to notify consumers of proper investigation results XXXX sends dispute notices that are ambiguous, incorrect, or inconsistent, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires credit bureaus to clearly disclose the results of a reinvestigation. 
Reinsertion of previously deleted inaccurate information XXXX violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by failing to use appropriate matching tools, which results in the reappearance of inaccurate information under different furnisher names without notifying the consumer.

Under 15 U.S.C. 1692g, debt collectors are required to provide proper validation of a debt upon request. This includes verification of the original creditor, itemized details of the debt, and proof that the debt is legally enforceable. If the debt collector has failed to provide adequate validation, then the reporting of this account is a violation of my consumer rights.

Furthermore, under 15 U.S.C. 1692c, debt collectors are restricted from communicating with a consumer at inconvenient times or places, or if the consumer has formally requested that all communication cease. If this account was reported or communicated with me in violation of these provisions, it is further grounds for deletion. 
Given these CFPB findings and XXXX 's failure to comply with FCRA dispute-handling requirements, I demand that you immediately delete the inaccurate debt from my credit file and provide written confirmation of its removal within 30 days of receipt of this letter. 
Should XXXX fail to comply with federal law and my request for deletion, I am prepared to escalate this matter by filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Enclosed are copies of supporting documents substantiating my dispute. Please send all correspondence regarding this matter to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation