Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
I am following up on my prior dispute concerning inaccurate, unverifiable, and incomplete information on my credit report. 
Despite providing you with sufficient time as outlined under the Fair Credit Reporting Act ( FCRA ), these harmful inaccuracies remain uncorrected.

Under FCRA Section 611 ( 15 U.S.C. 1681i ), you are legally obligated to ensure the maximum possible accuracy of my credit file.

Since your first response did not resolve the disputed items, I am requesting an immediate and thorough reinvestigation. 
Below are the specific accounts I am disputing : ________________________________________ XXXX. XXXX # XXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate reporting of late payments. 
FCRA Violation : Section 611 - Failure to maintain maximum possible accuracy after initial dispute.

Action Requested : Reinvestigate and delete all inaccurately reported late payments or provide verifiable documentation from the original creditor. 
________________________________________ XXXXXXXX XXXX XXXX  # XXXX * * * * Issue : Reporting of a charge-off without providing full verification. 
FCRA Violation : Section 609 ( a ) ( 1 ) - Failure to provide complete and accurate account validation upon request.

Action Requested : Delete this charge-off if original source documents can not be produced. 
________________________________________ XXXX. XXXX  # XXXX * * * * Issue : Late payments inaccurately listed. 
FCRA Violation : Section 611 ( a ) - Failure to correct or delete unverifiable information.

Action Requested : Delete all late payments if they can not be validated with full account history documentation. 
________________________________________ XXXX. XXXX # XXXX XXXX XXXX XXXX XXXX Issue : Unverified late payments affecting my credit standing. 
FCRA Violation : Section 609 ( a ) and Section 611 - Lack of permissible proof and failure to reinvestigate properly.

Action Requested : Remove all late payments if verification can not be conclusively provided. 
________________________________________ XXXX. XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Issue : Inaccurate charge-off reporting without complete validation. 
FCRA Violation : Section 611 ( a ) and Section 607 ( b ) - Failure to ensure information accuracy and failure to conduct a proper reinvestigation. 
Action Requested : Delete the charge-off immediately if unable to fully verify with original documents. 
________________________________________ Due to these continuing errors, I am experiencing undue financial hardship, including difficulty securing housing and fair lending opportunities. 
As a responsible consumer working hard to rebuild my financial life, the inaccurate reporting of these accounts has caused unnecessary emotional and financial stress. 
I respectfully urge you to complete a fair and accurate reinvestigation and correct these injustices. 
________________________________________ In accordance with the FCRA, you must complete this reinvestigation within 30 days and send me an updated credit report reflecting any changes. 
If you are unable to verify these accounts with complete documentation from the original creditors, you are required to delete them. 
Thank you for your immediate attention to this important matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief