Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, LA XXXX RE : Dispute of Inaccurate, Incomplete, and Unverifiable Information on Credit Report Report Number : XXXX I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my Equifax credit report, as identified in the report dated XX/XX/XXXX ( Report Number : XXXX ). As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to demand the immediate investigation and permanent removal of these erroneous items. Failure to comply with federal law will result in further legal action to enforce my rights. 
Items in Dispute The specific items I am disputing are as follows : XXXX. Account : XXXX XXXX ( Account Number : XXXX ) Date of Last Payment : XX/XX/XXXX Status : Account was XXXX - 59 Days Past Due Date Reported : XX/XX/XXXX XXXX. Account : XXXX XXXX ( Account Number : XXXX ) Status : Consumer Disputes Reinvestigation in Process ; Account was 30 - 59 Days Past Due Date Reported : XX/XX/XXXX XXXX. Historical Account Information ( XX/XX/XXXX Entry ) Status : Consumer Disputes Reinvestigation in Process Type of Loan : Partially Secured XXXX. Historical Account Information ( XX/XX/XXXX Entry ) Status : No Data Available 5. Historical Account Information ( XX/XX/XXXX Entry ) Status : Consumer Disputes Reinvestigation in Process Type of Loan : Secured Credit Card XXXX. Historical Account Information ( XX/XX/XXXX Entry ) Status : Consumer Disputes Reinvestigation in Process Type of Loan : Secured Credit Card Grounds for Dispute These items are inaccurate, incomplete, and unverifiable for the following reasons : XXXX. XXXX XXXX ( Account Number : XXXX ) Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : The late payment ( 30-59 days past due ) reported on XX/XX/XXXX has not been recently verified by the furnisher. If XXXX XXXX can not provide documentation verifying the accuracy of this late payment, you are required to permanently delete this negative item from my credit report. 
Potential FDCPA Violation ( 15 U.S.C. 1692g ) : If XXXX XXXX is a debt collector, I demand validation of the debt, including evidence of assignment, as required under the FDCPA. Failure to provide this verification renders the reporting of this account invalid. 
XXXX. XXXX XXXX ( Account Number : XXXX ) and Historical Accounts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Entries ) Failure to Complete Reinvestigation Within 30 Days ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : The FCRA mandates that reinvestigations of disputed information must be completed within 30 days of receiving a consumers dispute. As of the report date ( XX/XX/XXXX ), these items are still marked as Reinvestigation in Process. If these disputes were filed prior to XX/XX/XXXX, your failure to resolve the reinvestigations within the statutory timeframe constitutes a direct violation of the FCRA. 
Inaccurate and Incomplete Reporting ( 15 U.S.C. 1681e ( b ) ) : The unresolved Reinvestigation in Process status renders these items incomplete and potentially inaccurate, as they do not reflect the final outcome of the disputes. This ambiguity harms my creditworthiness and violates the FCRAs accuracy standards. 
Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If you can not verify the accuracy of these itemsincluding the resolution of the prior disputesyou are obligated to permanently delete this information from my credit report. 
Potential FDCPA Violation ( 15 U.S.C. 1692g ) : If XXXX XXXX is a debt collector, I demand validation of the debt, including evidence of assignment, as required under the FDCPA. Failure to provide this verification renders the reporting of this account invalid. 
XXXX. Historical Account Information ( XX/XX/XXXX XXXX ) Incomplete Reporting ( 15 U.S.C. 1681e ( b ) ) : The No Data Available notation indicates incomplete reporting, which violates the FCRAs requirement to ensure the maximum possible accuracy of information in my credit report. This incomplete entry must be either completed with accurate information or removed.

Company response to consumer: Closed with explanation