Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations. 


XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX- DELETE THIS ACCOUNT IMMEDIATELY! 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX LA XXXX- DELETE THIS ACCOUNT IMMEDIATELY! 

XXXX. The following personal information is incorrect Employers : XXXX  - DELETE THIS ACCOUNT IMMEDIATELY! 

XXXX. The following personal information is incorrect Employers : XXXX XXXX - DELETE THIS ACCOUNT IMMEDIATELY! 

XXXX. The inquiry was unauthorized and in Violation Under 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 6. The inquiry was unauthorized and in Violation Under 15 U.S. Code 1681b XXXX Date of inquiry : XX/XX/XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 7. The inquiry was unauthorized and in Violation Under 15 U.S. Code 1681b CREDITONEBK Date of inquiry : XX/XX/XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 8. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus Experian Transunion and Equifax XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 10. This account is being reported as a loss yet there still holds a balance. and company is continuing to attempt to collect on this alleged debt while two companies can not own the same debt clearly this account in violation Under 15 U.S. Code 1681e ( b ) and XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 11. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 12. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report XXXX. This account is being reported as a loss yet there still holds a balance. and company is continuing to attempt to collect on this alleged debt while two companies can not own the same debt clearly this account in violation Under 15 U.S. Code 1681e ( b ) and XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 14. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 15. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 16. This account is being reported as a loss yet there still holds a balance. and company is continuing to attempt to collect on this alleged debt while two companies can not own the same debt clearly this account in violation Under 15 U.S. Code 1681e ( b ) and XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 17. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 18. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 19. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a 12 XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today! 

20. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a 01 XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today! 

21. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a 12 XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today!

22. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a 12 XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today! 

23. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a 12 XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today!

24. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a 08 XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today! 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 26. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a US XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today! 

27. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 28. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 29. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 30. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 31. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today! 

32. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 33. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  Account Number : XXXXXXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 34. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian Transunion and Equifax XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 35. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 36. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 37. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian Transunion and Equifax XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 38. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian Transunion and Equifax XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 39. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 40. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian Transunion and Equifax XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 41. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 42. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 43. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 44. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 45. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with non-monetary relief