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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : * -- XXXX RE : FORMAL DISPUTE INACCURATE PERSONAL INFORMATION, UNVERIFIED NEGATIVE ACCOUNTS, AND UNAUTHORIZED INQUIRIES To Whom It May Concern, This letter constitutes a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate personal information, unverifiable negative tradelines, and unauthorized inquiries that are currently harming my consumer report. 
Unless you can provide full legal verification for each disputed item listed below, you are required to immediately delete the item ( XXXX ) to remain compliant with federal law. 
INCORRECT PERSONAL INFORMATION MUST BE REMOVED Wrong Names Being Reported : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  These names are not mine and must be permanently deleted under FCRA 1681e ( b ) and 1681c-2, which protect consumers from inaccurate personal identity reporting. 
Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX have never lived at these addresses. Continued association with these locations exposes me to identity mislinking, financial inaccuracy, and legal risk. 
UNVERIFIED NEGATIVE ACCOUNTS DEMAND FOR REMOVAL These accounts have not been validated with any original documentation, and many violate XXXX XXXX formatting or report charge-offs that conflict with IRS treatment of canceled debt : Charge-Offs : XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX * * XXXX XXXX # XXXX * * * * * * * * * * * IRS Notice : Charge-offs exceeding {$600.00} may qualify as canceled debt. If a Form 1099-C has been issued, these accounts are no longer collectible and can not lawfully remain on my credit file as outstanding obligations. 
Late Payments ( Unverified or Duplicate ) : 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 duplicate accounts ) XXXX # XXXX * * * * These entries lack full payment history, billing records, and original contracts. The XXXX accounts are duplicates violating Metro 2 format standards. 
Collections ( Missing Validation and Chain of Title ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX * * * XXXX # XXXX * * * XXXX XXXX # XXXX * Under FCRA 1681s-2 ( b ) and FDCPA 809 ( a ), these collectors are required to provide : Proof of assignment or ownership of the debt The original creditors name and account Your signed agreement Failure to provide that is grounds for immediate removal. 
UNAUTHORIZED INQUIRIES The following inquiries were not authorized by me. If you can not produce signed applications proving I initiated these, they must be deleted under FCRA 1681b ( a ) ( 3 ) : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEMAND FOR IMMEDIATE ACTION You are legally required to : XXXX. Delete all incorrect names and addresses XXXX. Remove all unverified charge-offs, late payments, and collection accounts XXXX. Delete unauthorized inquiries XXXX. Provide a written summary of the reinvestigation results XXXX. Provide a free updated copy of my credit report reflecting corrections, as required by FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION If these requests are not fulfilled within XXXX calendar days, I will take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit a violation report to the Federal Trade Commission ( FTC ) Report this to the Texas Attorney General Pursue civil action under FCRA 1681n and 1681o, seeking damages and legal costs Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief