Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am formally disputing several inaccurate and potentially unlawful entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right under Section 611 to request a reinvestigation of the following accounts and personal information, which I believe are inaccurately reported, unverifiable, or in violation of Metro 2 compliance standards.

The following accounts are being reported with late payments which I dispute as inaccurate, unverifiable, or misleading. These include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, reported with late payments despite being recent with insufficient payment history to accurately reflect delinquency. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, reflects late payments, yet no proper verification or payment history was provided. This account must be investigated under FCRA 609 ( a ) ( 1 ), and I demand the original signed contract and method of verification. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, also inaccurately reflects late payments. I request XXXX XXXX compliance validation as this XXXX be a case of improper reporting sequence or re-aging. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, shows late payments, which I do not acknowledge. I demand verification of the data furnishers reporting practices for compliance. 
XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, continues to reflect late payments beyond closed or inactive status. This may be a violation of Metro 2 format if the account is not active but still reporting payment behavior. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, also reflects late payments with no updated status. If this account is closed or settled, continued reporting of delinquencies may constitute inaccurate data under FCRA 602A.

In addition, the following charged-off accounts are in dispute : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, reports a charge-off with a remaining balance of {$680.00}. If a 1099-C has been filed, the balance should be zero as per IRS guidelines . Reporting both a balance and a charge-off is considered double-dipping and violates IRS reporting rules. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, is reporting a charge-off with a balance of {$4300.00}. I request the method of verification and a full breakdown of the accounts current legal standing. 
Additionally, I am disputing the following outdated and inaccurate addresses that do not belong to me and should be permanently removed from my credit file as they are contributing to mixed file issues and inaccurate reporting : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are either unfamiliar or have no connection to any accounts Ive held XXXX Their presence may be due to file contamination or identity confusion and violate FCRA 607 ( b ) which requires maximum possible accuracy.

If you can not verify the accuracy of these items and provide proper documentation within the 30-day reinvestigation period as required under FCRA 611 ( a ), these accounts must be deleted immediately. 
If these items are not removed or corrected within the legally required timeframe, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief