Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
This letter constitutes a formal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for the urgent and immediate removal of demonstrably false, incomplete, and unlawfully reported information contained within my credit file. These violations have severely impacted my financial integrity, and I will not tolerate continued noncompliance by your agency or any data furnishers involved. 
Over the past year, I have experienced significant emotional and financial harm due to your failure to maintain accurate records. I was denied financing on a reliable vehicle, which left me unable to commute to work consistently. This jeopardized my employment stability, undermined my income, and placed my family under undue stress. I have also faced public embarrassment when applying for credit and being rejected over information that was simply not true. These consequences are not theoreticalthey are real, painful, and entirely preventable had you fulfilled your duty under the law. 
Wrongful Address Entries The following addresses are incorrect and must be purged from my report immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is illegal to misrepresent a discharged bankruptcy or to link other tradelines improperly to it. 
Unauthorized Hard Inquiries I did not authorize the following inquiries and demand their deletion immediately : 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 XXXXXX/XX/XXXX, among others These inquiries violate 15 U.S.C. 1681b as they were not made with my consent or in connection with any legitimate transaction. 
Legal Standing and Impact Under 15 U.S.C. 1681e ( b ), you are mandated to assure " maximum possible accuracy. '' Violations of this duty, especially when brought to your attention and left unresolved, represent willful misconduct under 15 U.S.C. 1681n. Furnishers are equally bound by 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to report only verified, truthful information. You have failed. 
I am demanding full deletion of each erroneous listingnot correctionwithin 10 days, pursuant to 15 U.S.C. 1692k. You are hereby notified that further inaccurate reporting will trigger civil liability. All further communications must be in writing and legally compliant with 1692g ( a ), 1692c, 1692d ( 2 ), and 1692b ( 2 ).

Final Affirmation Do not send generic stall letters. Per FCRA, each dispute must be reviewed independently and resolved on its own factual merit. Any attempt to delay processing based on the use of third-party software will be regarded as a willful violation under 15 U.S.C. 1681n.

I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES! 
Respectfully, XXXX XXXX Enclosures : Government-issued ID Proof of address ( utility bill ) Full list of disputed items and inquiries

Company response to consumer: Closed with non-monetary relief