Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my credit report that have caused significant confusion and concern. These items include charge-off accounts, collection accounts, and credit inquiries that are reported inconsistently or without proper verification. The reporting of these items does not accurately reflect my financial history and has a negative impact on my creditworthiness. 
Charge-Off Accounts : I noticed that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$210.00}, is reported as a charge-off on some reports, but it does not appear consistently across all reporting platforms. Additionally, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is listed with a {$0.00} balance, yet its reporting is inconsistent and unclear regarding its status. These contradictions are troubling because they give the impression that I have unresolved or delinquent obligations when, in fact, my records indicate otherwise. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must follow reasonable procedures to ensure maximum accuracy. Furthermore, FCRA 611 ( a ) [ 15 U.S.C. 1681i ] mandates that any disputed information be fully reinvestigated, and furnishers must comply under FCRA 623 ( a ) ( 1 ) ( A ) to ensure that only accurate information is reported. I am requesting that the balances, charge-off designations, dates, and complete payment histories for these accounts be verified for accuracy. 
Collection Accounts : Several collection accounts also appear on my report with inconsistencies. XXXX XXXX XXXX XXXX is reported with a balance of {$810.00}, XXXX XXXX XXXX XXXX shows {$290.00}, XXXX XXXX XXXX XXXX  shows {$310.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX shows {$1900.00}. Some of these accounts are not consistently listed across reporting platforms, and documentation supporting balances, account status, and dates of first delinquency is missing. The reporting of unverifiable collection accounts can create a misleading impression of my payment history. As required under FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), I request verification of the balances, statuses, and delinquency dates for all collection accounts. 
Credit Inquiries : I also dispute several inquiries listed on my report, including XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX. ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX )XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 
I have no record of authorizing some of these inquiries. Each inquiry should have a permissible purpose and proper authorization documented. Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], a consumer report may only be accessed with proper consent or for a permissible purpose. I request verification showing the date, account, and authorization for each inquiry.

Additional Legal Considerations : FCRA 602 ( a ) Ensures reporting must be fair, accurate, and in compliance with federal law.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Requires written notice of the results of reinvestigation, including details of furnishers contacted.

FDCPA 807 [ 15 U.S.C. 1692e ] Prohibits false, deceptive, or misleading representations of debts.

FCRA 623 ( a ) ( 1 ) ( B ) Prevents furnishers from continuing to report disputed information without proper investigation.

Company response to consumer: Closed with non-monetary relief