Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Verification/Validation and Removal of Debt Dear Equifax, I am writing to formally dispute the accuracy of the debt referenced on my credit report. The account in question is Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year> ). Additionally, I would like to bring to your attention an issue regarding my XXXX XXXX account, which also needs to be updated in the XXXX XXXX format. I have always maintained this account in good standing, and I was never late with any payments. 

Furthermore, I would like to address that the XXXX XXXX account is fraudulent. The address listed for this account is one I have never lived at, which is clearly an error and should be corrected immediately. This is an obvious case of misreporting, and I request that this fraudulent account be removed from my credit report without delay. Under FCRA 605B, I am entitled to request that fraudulent information be blocked from my credit file while an investigation is underway. This blocking should remain in effect until legitimate proof is provided that I owe any debt associated with this account, including the original contract or agreement with a wet ink signature that demonstrates my obligation.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I am requesting the following for both the XXXX XXXX account and XXXX XXXX XXXX  account : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt.

Itemized Billing Statements : I would like to remind you that an itemized billing statement alone does not constitute sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement. 

XXXX XXXX Account Update : I also request that the XXXX XXXX format for my XXXX XXXX  account be updated to reflect the accurate, current payment status. According to 15 U.S.C. 1666, any late payment information should not be reported when it is not reflective of the true payment history, and I have never been late on this account. 

If you are unable to provide the original signed contract and proper verification of the debt for either account, I request that you remove this fraudulent XXXX XXXX account and any other inaccurate references from my credit report immediately. 

Please be aware that any willful non-compliance in responding to this dispute will be viewed as defamation of character and a violation of my rights. It may also cause damage to my ability to obtain employment, housing, and more. These violations will be considered should I pursue any future legal action.

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt or an update to the XXXX XXXX format for my XXXX XXXX account within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation