Consumer complaint received 2025-06-04 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XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX  XXXX ] Date : XX/XX/XXXX RE : FORMAL DISPUTE OF INACCURATE, UNVERIFIABLE, AND OUTDATED INFORMATION UNDER FCRA 604, 607 ( b ), 611, 623 & 615 ( a ) To Whom It May Concern, This letter serves as a formal notice and demand pursuant to the Fair Credit Reporting Act ( FCRA ) to immediately investigate and PERMANENTLY DELETE the following unverified, inaccurate, obsolete, and unauthorized items from my credit report. Under 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681b, you are obligated to conduct a proper reinvestigation within 30 days and ensure all information reported is accurate and verifiable. Failure to do so is a violation of federal law. 

XXXX. REMOVE INACCURATE PERSONAL INFORMATION Incorrect Names : - XXXX, XXXX XXXX XXXX XXXX XXXX Outdated Addresses : - XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Employers : - XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX These personal identifiers are inaccurate, outdated, and do not reflect my current identity. Per FCRA 607 ( b ), you are required to ensure maximum possible accuracy. Please delete all listed variations immediately. 

2. DELETE UNAUTHORIZED AND UNVERIFIABLE INQUIRIES I dispute the following inquiries as they were not authorized in writing, and no permissible purpose exists under FCRA 604 ( 15 U.S. Code 1681b ). These must be removed or you must provide documented evidence of my written consent : TransUnion : - XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX Experian : - XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : - XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX DELETE UNVERIFIABLE ACCOUNT I formally dispute the accuracy, validity, and completeness of the following derogatory account : Kikoff Lending LLC Reported by : TransUnion, Experian, Equifax - Provide full validation and documented evidence including : original signed agreement, complete payment history, dates of delinquency, and method of verification. 
- If unable to fully verify this information, you must permanently delete and block this account from all three credit bureaus under FCRA 1681i and 1681s-2.

4. REMOVE FRAUD ALERTS AND SECURITY FREEZES I am formally requesting the immediate removal of any and all fraud alerts, initial alerts, extended alerts, and security freezes from my credit file across all three major credit reporting agencies : TransUnion, Experian, and Equifax.

I have not authorized the continued placement of these alerts or freezes, and they may hinder my ability to obtain credit or complete financial transactions.

Under the Fair Credit Reporting Act ( FCRA ) 605A, you are required to honor consumer requests for the removal of fraud alerts and related security freezes. Please provide written confirmation that these items have been permanently removed from my credit file. 

FINAL NOTICE You are required to complete your investigation within 30 days, per FCRA 611. If you can not verify these items with documented proof, they must be deleted, not updated. Inaccurate, unverifiable, and obsolete information must be permanently removed from my report to avoid further legal liability.

Should you fail to comply, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Texas Attorney General, and pursue all legal remedies available to me under 15 U.S.C. 1681n and 1681o.

This letter also serves as notice to cease and desist from reporting any of the disputed items until your investigation is completed and written verification is provided to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief