Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of certain personal information, accounts, collections, and inquiries currently being reported on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, 1681e ( b ), 1681i, 1681s-2, and XXXX XXXX data reporting standards. 

You are required by law to ensure maximum possible accuracy. Any reporting that can not be 100 % certified as accurate, complete, verified, timely, and fully compliant with XXXX XXXX format constitutes willful noncompliance. 

I demand that you provide physical, verifiable, and original documentation proving the factual accuracy, full permissible purpose, and legal standing for each item listed below. Screen prints, screenshots, generic templates, or database printouts will not satisfy this requirement under FCRA guidelines. 

If you can not provide full validation, I demand the permanent DELETION of these unverifiable items from my credit report. 

PERSONAL INFORMATION BEING CHALLENGED : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect DOB : XXXX Incorrect Name Variations : XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXXXXXX XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX  ACCOUNTS BEING CHALLENGED XXXX XXXX  - XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS BEING CHALLENGED : 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 XXXX XXXX INQUIRIES BEING CHALLENGED : 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 XXXXXXXX LEGAL NOTICE : You are hereby placed on notice that failure to comply with FCRA standards of full investigation and accurate reporting may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

You have 30 days to complete your investigation and furnish me with the full documented results. If you are unable or unwilling to provide full validation, you must immediately DELETE the above-listed items from my credit report.

I authorize the mailing of physical documentation confirming your actions along with an updated copy of my corrected credit report.

Company response to consumer: Closed with non-monetary relief