Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX Pa. XXXX\nDOB: XXXX)!\nSSN: XXXX\n\nEquifax\nXXXX XXXX XXXX XXXX GA XXXX\n\nRE: Formal Dispute of Inaccurate Information Under FCRA, FDCPA, and CFPA\n\nTo Whom It May Concern:\n\nThis letter serves as a formal notice to dispute inaccurate and unverified information currently being reported on my XXXX credit report dated XXXX XXXX XXXX. I am asserting my rights under the Fair Credit Reporting Act (15 U.S.C.  1681), the Fair Debt Collection Practices Act, and the Consumer Financial Protection Act to demand immediate investigation, deletion, or full validation of the following accounts:\n\n\n\n Accounts in Dispute:\n\t1.\XXXX XXXX XXXX   Reporting XXXX   Closed\n\t2.\tXXXX XXXX   Reporting XXXX   Charged Off\n\t3.\tXXXX XXXX XXXX XXXX  XXXX   Disputed/Closed\n\t4.\tXXXX XXXX XXXX   Reporting XXXX  Collection\n\t5.\XXXX XXXX XXXX  Reporting XXXX  Collection\n\t6.\tXXXX XXXX XXXX  Reporting XXXX  Closed\n\t7.\tXXXX XXXX XXXX XXXX  Reporting XXXX  Open but Unverified\n\t8.\XXXX XXXX XXXX XXXX   Reporting XXXX  Closed\n\n\n\nGrounds for Dispute:\n\t\tFCRA  609(a)(1) requires you to provide the method of verification, original source, and full validation of each account upon my request. To date, I have not received any verification documents, signed contracts, or itemized statements.\n\t\tFCRA  611 mandates that unverified or inaccurate information be deleted within 30 days of dispute.\n\t\tFDCPA  809(b) obligates debt collectors to validate debt upon request, and failure to do so constitutes a violation.\n\t\tCFPA  1031 prohibits any abusive or deceptive practices  continuing to report unverifiable debt qualifies as such.\nAnd I am demanding that you immediately delete all addresses from my credit file except my current and only address:\nXXXX XXXX XXXX XXXX  Pa. XXXX\n\nUnder 15 U.S.C.  1681e(b) of the Fair Credit Reporting Act (FCRA), you are legally obligated to ensure maximum accuracy of the information you report. Reporting any outdated, incorrect, or unauthorized addresses is a direct violation of this requirement and constitutes negligence or willful noncompliance.\n\nThese addresses do not reflect my current residence or any legally verifiable connection and must be immediately and permanently removed. Failure to correct this inaccurate personal identifying information within 30 days of this notice will result in formal complaints filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney General for noncompliance and consumer harm under the Fair Credit Reporting Act.\n\n\n\nAction Demanded:\n\nI am demanding immediate deletion or verified validation of the above accounts. If you cannot verify these items in accordance with federal law, they must be permanently deleted from my XXXX credit file.\n\nThis is your final notice to comply with my request. Failure to remove inaccurate or unverifiable accounts within 30 days will result in formal complaints to:\n\t\tThe Consumer Financial Protection Bureau (CFPB)\n\t\tThe Federal Trade Commission (FTC)\n\t\tYour states Attorney Generals Office\n\t\tPossible civil litigation for noncompliance and damages. \n\nSincerely,\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX  Pa. XXXX\nDOB: XXXX\nSSN: XXXX\n\nDate: XXXX\n\nXXXX\nXXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief