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: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as my third formal notice disputing the continued inaccurate and incomplete reporting on my consumer credit file. Despite prior disputes and the presentation of clear evidence, these issues remain unresolved, resulting in not only sustained harm to my financial integrity but also repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts listed below have consistently been reported with errors, mischaracterizations, or in violation of federal standards. For instance, multiple tradelines are still reflecting late payments without proper verification or updated investigation results. This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( appearing twice with different amounts ), which continue to show derogatory payment histories despite previous disputes and lack of proper documentation from furnishers. 
Additionally, the reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain uncorrected despite documentation questioning the validity of late payments. These accounts are adversely impacting my creditworthiness and have already led to several denied applications and adverse interest rate assignments. 
Moreover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still listed as charge-offs. These entries must be further scrutinized, especially regarding potential IRS Form 1099-C filings. Under IRS Publication 4681, any canceled debt may have tax implications and could suggest the debt has been forgiven, which materially affects its collectibility and how it should be reported per FCRA 623 and FDCPA 15 U.S.C. 1692g. 
Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  remains reported as a charge-off without conclusive reinvestigation or appropriate documentation. I demand the deletion or correction of this tradeline, particularly in light of its minimal credit limit and disproportionate impact. 
I also dispute the listing of multiple inquiries on my file that I did not authorize and which lack any valid permissible purpose under 15 U.S.C. 1681b. These include entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These repeated inquiries without consent suggest data misuse and must be removed. 
Furthermore, my credit report continues to display outdated and incorrect addresses which I have not used, including XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. This address should be immediately removed as it does not belong to me and likely contributes to identity mismatch errors in your system. 
My previous disputes were met either with boilerplate stall responses or no meaningful reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ). The continued furnishing of inaccurate data, failure to block disputed information without certification under 605B, and failure to notify me of results under 611 ( a ) ( 6 ) constitute ongoing violations. These infractions are not only legally actionable but have caused emotional distress, financial hardship, and denials of essential credit opportunities. 
I am formally warning you under 15 U.S.C. 1681n and 1681o that if these issues are not resolved within 10 calendar days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and legal counsel for pursuit of statutory damages. 
This is a final demand for complete deletion or correction of the above tradelines, removal of unauthorized inquiries, correction of personal identifying information, and confirmation in writing that these updates have been made. No response or dismissive form letters will be accepted as fulfillment of your obligations under federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief