Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
I am submitting this formal dispute letter to address multiple inaccurate, outdated, unverifiable, or legally non-compliant accounts that are currently being reported on my credit file. These accounts are negatively impacting my creditworthiness, and I am requesting a full reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ].

________________________________________ Addresses to be Deleted The following addresses do not belong to me
or are no longer associated with my current residence. Under FCRA 605 ( a ), I am requesting their immediate removal : XXXX XXXXXXXX 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, CA XXXX ________________________________________ Disputed Accounts with Legal Violations XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Issue : High balance charged off with no supporting verification of debt or final balance.

Law Violated : FCRA 609 ( a ) ( 1 ) No access to full documentation ; FDCPA 807 ( 8 ) Continued reporting after dispute. 
Requested Action : Remove unless original signed agreement and detailed billing history are provided. 
XXXX XXXX XXXX XXXX XXXXXXXX Late Payment Issue : This late payment appears inaccurately and lacks supporting data or billing records.

Law Violated : FCRA 607 ( b ) Duty to report with maximum possible accuracy. 
Requested Action : Delete or correct with proof of dates and amount due at time of delinquency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) ** Charge Off Issue : Account listed as charged off but no evidence of legal collection notice or original terms.

Law Violated : FCRA 611 ( a ) ; FDCPA 809 ( b ) Failure to validate debt upon dispute.

Requested Action : Remove from report immediately if verification can not be produced. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) ** Charge Off Issue : Duplicate listing of same creditor with different balance and open date.

Law Violated : FDCPA 807 ( 2 ) ( A ) False representation ; FCRA 605 Duplicate reporting.

Requested Action : Delete duplicate entry and confirm which, if any, is valid. 
XXXX. XXXX XXXX XXXX # XXXX Late Payment Issue : Late payments not updated after XXXX hardship request submitted in XXXX. 
Law Violated : CARES Act / FCRA 623 ( a ) ( 1 ) ( A ) Failure to accurately report modified agreements.

Requested Action : Remove delinquencies or show documentation denying forbearance request. 
XXXX. XXXX XXXX XXXX # XXXX Collection Issue : Collection reported with incorrect balance and no validation of debt ownership or original creditor. 
Law Violated : FDCPA 809 ( a ) Failure to provide debt validation ; FCRA 609 ( a ) No verification details provided.

Requested Action : Delete account unless fully validated with itemized breakdown and creditor authorization. 
________________________________________ Requested Actions XXXX. Immediately delete the outdated/inaccurate addresses listed above. 
XXXX. Fully investigate and verify the accuracy and validity of each account mentioned.

3. Delete any account or inquiry that can not be verified within 30 days, per FCRA 611 ( a ) ( 1 ).

4. Provide the method of verification for each item, including the name and contact details of each furnisher. 
XXXX. Send an updated and corrected copy of my credit report reflecting the changes. 
________________________________________ Failure to comply with these requests within 30 days will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action for noncompliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief