Equifax has reported XXXX account as opened XXXX That the date of first delinquency is XXXX That as of XXXX a balance of {$340.00} is charged off. 
This reporting is incorrect, inaccurate and not correct under the Fair Credit Reporting Act. 

Dispute is as follows : 1 ) XXXX has refused to validate the debt with a signed contract or application. 
They are concerned that if the account is not mine. They would have disclosed private credit files without permission of proper XXXX XXXX. 
There are at least XXXX XXXX or XXXX or XXXX or XXXX XXXX living on the XXXX XXXX of United States. 

2 ) Equifax reports the account opened XXXX but if you look at the statement from XXXX ( copy attached to this complaint ) The opening date is XXXX 3 ) Equifax reports the XXXX delinquency as XXXX but if you look at the statement from Southern Maryland Electric Coop ( copy attached to this complaint ) The date of first delinquency is XXXX. 
Furthermore, the account was late from XXXX to XXXX each and every month incurring a late charge. But Equifax has failed to report any of the late payments accurately. 

By deleting the early late payments, Equifax and XXXX could continue to report at the credit bureau past the 7 year statute of limitations from first delinquency date. As commanded in the Fair Credit Reporting Act. Called inaccurate reporting and Re-aging.