Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate, Unverified, and Fraudulent Information Identity Theft, FCRA, and XXXX XXXX Compliance Violations To Whom It May Concern, I am writing to formally dispute and contest all unverified, undocumented, and inaccurate information appearing in my credit report. I demand immediate correction and deletion of these items in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX Reporting Format as maintained by the XXXX XXXX XXXX XXXX ( XXXX ). The inclusion of these claims, without full validation and adherence to legal standards, is unacceptable and will not be tolerated. 

I am a victim of identity theft, and my personal data, including my Social Security Number, has been compromised as a result of the Equifax data breach. Under XXXX XXXX. XXXX ( a ), you are legally required to block and delete any and all fraudulent information within XXXX business days of receiving this request. 

Personal Information Being Disputed : Incorrect Previous Address : XXXX XXXX XXXX XXXX  XXXX, FL XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Employer : Social Encourager Disputed Accounts Factual Basis and Legal Grounds for Deletion : XXXX XXXX - XXXX This account has been previously disputed. Your continued reporting of inaccurate derogatory data violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) and XXXX XXXX standards. No certified documentation has been provided to support the validity of late payments. This constitutes willful non-compliance under XXXX and reckless disregard of my rights. The payment status coding is inconsistent with XXXX XXXX formatting requirements. I demand immediate deletion of the inaccurate late payment remarks and full update of the account to reflect Paid as Agreed. 

XXXX XXXX - XXXX This account continues to report late payments despite prior disputes. You have failed to conduct a lawful reinvestigation under XXXX ( a ) ( XXXX ) ( A ) and are not in compliance with XXXX XXXX payment reporting requirements. Your actions constitute willful non-compliance under XXXX. As a breach victim, I demand that you immediately DELETE all inaccurate late payment history and update the account to Paid as Agreed. 

XXXX XXXX XXXX - XXXX / XXXX These accounts are fraudulent and must be permanently deleted. My personal identifiers were compromised during the Equifax breach. You have failed to provide documented evidence of liability as required under XXXX and XXXX. These accounts are under investigation by the FTC. You are hereby notified to DELETE them immediately. 

XXXX XXXX XXXX - XXXX / XXXX This account is unauthorized and unverifiable. My identity was compromised, and no documentation has been provided to establish liability. Your continued reporting violates XXXX and XXXX. DELETE IMMEDIATELY. 

XXXX XXXX  XXXX / XXXX You are reporting multiple factual inconsistencies, including inaccurate balance and charge-off codes for a closed revolving account. This violates XXXX ( b ), XXXX ( b ), and XXXX XXXX guidelines. The Equifax data breach compromised the integrity of any records you may claim to have. You have failed to provide legally sufficient documentation. I demand the permanent deletion of this entire trade line. 

XXXX XXXX XXXX- XXXX This collection is fraudulent. No documentation has been provided to validate the debt under XXXX. You lack proof of liability, and the account is under FTC investigation. DELETE IMMEDIATELY. 

XXXX XXXX - XXXX This account is fraudulent. No proof of permissible purpose or consumer liability has been furnished. Your actions violate XXXX and XXXX. This matter is under active investigation by the FTC. DELETE IMMEDIATELY. 

XXXX XXXX XXXX  - XXXX This account is unauthorized, and you have not produced any evidence of liability. It must be removed under XXXX and XXXX. 

XXXX - XXXX You are reporting a past-due balance of {$3100.00} on a closed charge-off account, which directly violates XXXX XXXX guidelines. The data reported is factually inaccurate and materially misleading, in violation of XXXX ( b ) and XXXX ( b ). I previously disputed this, and you failed to conduct a reinvestigation or provide validation. DELETE this account immediately. 

XXXX XXXX XXXX XXXX - XXXX The charge-off status, balance, and payment history are inaccurate, incomplete, and materially deceptive. The XXXX guidelines under XXXX XXXX require precise status coding, which this account fails to meet. You are in violation of XXXX ( b ) and XXXX ( b ). DELETE this account immediately. 

Legal Basis for Enforcement Action : You are hereby put on notice that failure to act will result in immediate legal escalation. Each violation outlined carries statutory damages of {$1000.00} per XXXX XXXX. XXXX and XXXX. These violations include, but are not limited to : Defamation of character Identity fraud negligence Willful non-compliance with the FCRA XXXX liability for negligent non-compliance ( XXXX ) Failure to provide method of verification ( XXXX ( XXXX ) ) Reporting without permissible purpose ( XXXX ) Re-insertion without notice ( XXXX ) Violations of consumer privacy rights ( XXXX ( XXXX ) ) Failure to validate debts ( XXXX ) Data formatting violations ( XXXX XXXX XXXX Guidelines ) This letter constitutes formal notice and demand for action. If these disputed items are not deleted and supporting documentation is not mailed to me, I will take further action, including CFPB complaint filings, FTC fraud affidavits, and a small claims lawsuit. 

Mail me an updated copy of my corrected credit report reflecting the deletions of all items listed above and confirmation that all XXXX XXXX standards have been applied correctly.

Company response to consumer: Closed with non-monetary relief