Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
RE : FORMAL FCRA DISPUTE & DEMAND FOR REINVESTIGATION ( 15 U.S.C. 1681i ) REMOVE UNVERIFIABLE / INACCURATE INFORMATION YOUR COMPLAINT If you fail to comply with FCRA/FDCPA/GLBA duties or statutory timelines, I will file suit under FCRA 1681p in the XXXX XXXX XXXX for XXXX XXXX XXXX of XXXX  XXXX I will seek statutory damages, actual damages, punitive damages, attorneys fees, and costs under 15 U.S.C. 1681n, 1681o, and ( for debt collectors ) 15 U.S.C. 1692k. Trial by jury is demanded on all triable claims.

Standard of Compliance ( FCRA 1681i ) : You must conduct a reasonable, independent reinvestigation and either correct or delete any information that is inaccurate, incomplete, or can not be verified. If any item is deleted, you may not reinsert it unless the furnisher certifies accuracy and you send me written notice within five business days ( 1681i ( a ) ( 5 ) ( B ) ). You must provide written results of the reinvestigation within five business days after completion, andif I request itthe Method of Verification ( including the business name and address of any furnisher contacted, and the phone number if reasonably available ) within 15 days ( 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) ). You must complete the reinvestigation within 30 days of receiving this dispute. 

DISPUTED ITEMS ( as shown on my Experian disclosure dated XX/XX/year> ) XXXX ) XXXX  XXXX Acct : XXXX Status ( as shown ) : Open/Never late. Terms | Balance ( as shown ) : | Past due ( as shown ) : {$140.00} Demand : This is contradictory reporting ( Never late yet showing a past-due ). Provide competent evidence ( agreement, full statements/payment ledger, Metro-2 furnishing file ) that supports any past-due/derogatory coding. If you can not verify, delete the past-due/derogatory information or delete the tradeline. 

XXXX XXXX XXXX XXXX XXXX Acct : XXXX Status ( as shown ) : Open. {$140.00} past due as of XXXX Highest balance {$440.00} | Balance ( as shown ) : {$30.00} | Past due ( as shown ) : {$140.00} Demand : Produce competent evidence ( signed agreement, complete payment history, XXXX file ) supporting the past-due/late reporting. If unverifiable or inaccurate, delete derogatory codes and correct to accurate status ; otherwise delete. 

XXXX XXXX XXXX XXXX Acct : XXXX Status ( as shown ) : Account charged off. {$890.00} Terms | Balance ( as shown ) : {$890.00} | Past due ( as shown ) : {$890.00} Demand : For charge-off reporting, provide : executed cardholder agreement, full monthly statements through charge-off, charge-off calculation worksheet, and a business-records affidavit. If you can not furnish competent records that substantiate the tradeline as accurately reported, delete. 

XXXX XXXX XXXX XXXX XXXXXXXX Acct : XXXX Status ( as shown ) : Paid, Closed/Never late. | Past due ( as shown ) : {$790.00} Demand : Reporting Never late while also showing {$790.00} past-due is internally inconsistent. Provide the contract and full ledger supporting any past-due coding ; if unverifiable or inaccurate, delete the derogatory coding and correct the tradeline ; otherwise delete. 

XXXX XXXX XXXX XXXX XXXX Acct : XXXX Status ( as shown ) : Collection account {$790.00} past Responsibility Individual | Balance ( as shown ) : {$790.00} | Past due ( as shown ) : {$790.00} Demand ( FDCPA + FCRA ) : Provide proof of assignment/ownership, the itemized statement from the original creditor, and full validation. Absent competent validation and ownership documentation, delete the collection tradeline. 

IDENTITY / ADDRESS CLEAN-UP Remove any name/alias, outdated address, employment entry, or mixed-file element that can not be verified with competent evidence. Only my current legal name and the address above should remain. 

CERTIFICATION & NOTICE Do not reinsert any deleted item without furnisher certification and written notice to me within five business days as required by 1681i ( a ) ( 5 ) ( B ). Noncompliance will trigger complaints to the CFPB/FTCXXXX Attorney General and litigation for willful/negligent violations. 

Provide : ( 1 ) written reinvestigation results ; ( 2 ) an updated disclosure ; and, if I request it, ( 3 ) the Method of Verification describing the procedures used and identifying every furnisher contacted. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation