Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE & LEGAL DEMAND INACCURATE ADDRESSES, UNVERIFIED NEGATIVE ITEMS, AND UNAUTHORIZED INQUIRY To Whom It May Concern, I am issuing this formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) regarding multiple items currently reported on my credit file. These entries are inaccurate, unverifiable, or reported in violation of federal law and IRS regulations. Unless you can provide verifiable documentation, they must be permanently deleted to remain in compliance with the law. 
INCORRECT ADDRESSES MUST BE REMOVED The following addresses are not associated with me and must be immediately deleted from my file. Reporting false addresses is a violation of FCRA XXXX ( b ) and XXXX : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX These entries do not reflect any current or prior residence and pose a risk of fraudulent association or mislinked tradelines. 
DISPUTED NEGATIVE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : Not reported Status : Charge-Off Issue : No documentation has been provided to verify this account. No balance, original agreement, or payment history has been produced. This violates FCRA 1681s-2 ( b ) and XXXX XXXX formatting standards for complete and accurate reporting. 
XXXX, XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : Not reported Status : Charge-Off Issue : This entry is unverifiable and lacks both a reported balance and full account history. There is no proof of ownership, billing activity, or authorization to report under FCRA 1681i ( a ).

NOTICE : CHARGE-OFF ACCOUNTS IRS MISCLASSIFICATION OF DEBT Per IRS Publication 4681, any canceled or charged-off debt of {$600.00} or more must be reported as canceled income using Form 1099-C and is no longer legally collectible. Reporting a charged-off account as due and collectible misrepresents its status and violates both FCRA 1681e ( b ) and IRS rules.

" A charged-off account, once canceled or forgiven, is classified as incomenot an enforceable obligation. Continuing to report such debts without proper documentation is financial misrepresentation. '' Unless you can provide proof that these debts were never canceled and that I owe them, they must be removed immediately.

PUBLIC RECORD DISPUTE BANKRUPTCY U.S. Bankruptcy Court Reference # XXXX Date Filed/Reported : XX/XX/XXXX Status : XXXX XXXX Discharged Issue : No verification has been provided regarding the original sourcing of this record. As established by CFPB investigations, credit bureaus often rely on third-party vendors rather than official court recordsa violation of FCRA 1681i ( a ) if you can not demonstrate direct verification.

If you can not confirm this bankruptcy through direct communication with the court, it must be removed immediately. 
UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me, and no permissible purpose exists under FCRA 1681b ( a ). Please provide documentation proving I gave explicit authorization. If no written consent can be verified, this inquiry must be permanently deleted. 
FORMAL DEMAND FOR ACTION I am demanding the following be completed within 10 calendar days of receipt of this letter : 1. Permanently delete all incorrect addresses listed above 2. Remove all unverifiable charge-off accounts 3. Delete the unauthorized hard inquiry 4. Purge the public bankruptcy record unless verified with the original court 5. Send a written reinvestigation summary and updated credit report per FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION If you fail to resolve this dispute properly and in full compliance with federal law, I will file : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A violation report to the Federal Trade Commission ( FTC ) A complaint with the Louisiana Attorney General A civil lawsuit seeking damages under FCRA 1681n and 1681o Do not respond with stall letters or boilerplate responses. I am lawfully exercising my right to dispute all inaccurate, unverifiable, or unauthorized information using my own resources and/or third-party assistance, as protected under federal law. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief