Consumer complaint received 2025-07-13 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: SC

Complaint narrative:
From : XXXX XXXX XXXX XXXX Last XXXX : XXXX Only Valid Address on Record : XXXX XXXX XXXX XXXX To : Experian, Equifax, TransUnion Consumer Dispute Departments CC : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) Date : XX/XX/XXXX XXXX : DEMAND FOR ADDRESS DELETION Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681g ( a ) and the Right to Financial Privacy Act ( 12 U.S.C. 3401 ), I hereby demand the immediate deletion of all addresses reported on my credit profile that are NOT : XXXX XXXX XXXX XXXX All other addresses were reported without my consent, are not connected to me by contract, and constitute a clear violation of : FCRA 1681e ( b ) : Inaccurate personal identification information U.S. Privacy Laws : Unauthorized sharing of data Failure to remove these addresses is a form of misrepresentation and negligence. 

Violations of FCRA, UCC Articles 3 & 9, Privacy Act, and Established Federal Case Law I, XXXX XXXX XXXX, hereby issue this Lawful Demand to your credit reporting agency under full authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Uniform Commercial Code, and prevailing Federal Court rulings, to permanently remove and correct unlawful entries from my consumer file, specifically : XXXX : FULL ACCOUNT LISTING DEMAND TO DELETE/ RECLASSIFY The following credit accounts are present on my profile and are in violation of federal law, commercial contract law, and my financial privacy. They are either unverifiable, charged-off but still active, reported by unauthorized third parties, or duplicative. You are ordered to DELETE or RECLASSIFY them immediately as follows : DEBT BUYER / COLLECTION ACCOUNTS ( REMOVE ENTIRELY ) : XXXX XXXX XXXX Account No : XXXX Original : XXXX XXXX XXXX  Status : Third-party debt buyer, no verified contract or chain of title Demand : XXXX XXXX XXXXXXXX, XXXX. 

Account No : XXXX Original : XXXX XXXX Status : Unverified collection account Demand : DELETE XXXX XXXX XXXX Account No : XXXX Original : Simple Fast Loans Status : No original documentation or chain of assignment Demand : DELETE CHARGE-OFFS ( RECLASSIFY OR DELETE AS PAID IN FULL ) : All charge-off accounts listed below have either been sold or transferred to third-party debt collectors and therefore must be reclassified as Paid in Full. According to : XXXX XXXX ( b ) : Tender or refusal of lawful payment discharges the obligation. 

UCC 3-302 : Only a holder in due course may enforce the instrument, which a debt buyer without assignment is not. 

UCC 3-305 ( a ) ( XXXX ) : The obligor may assert defenses against any transferee unless they qualify as a holder in due course. 

The following entries must be reclassified accordingly : XXXX XXXX Account No : XXXX Status : Charged-off & still showing {$810.00} due Demand : DELETE or MARK PAID IN FULL XXXX XXXX XXXX Account No : XXXX Status : Charged-off with {$770.00} written off ; duplicate of XXXX Demand : DELETE XXXX MARK PAID IN FULL XXXX XXXX XXXX Account No : XXXX Status : {$4300.00} written off ; still reporting {$4900.00} as past due Demand : DELETE or MARK PAID IN FULL POSITIVE ACCOUNTS ( MUST REMAIN/ NOT ALTERED NEGATIVELY ) : XXXX XXXX XXXX Account XXXX XXXX XXXX Auto Loan, Paid in Full Must reflect accurate Paid/Closed Never Late XXXX XXXX XXXX Account No : XXXX Auto Loan, Paid in Full Must reflect accurate Paid/Closed Never Late Self Financial / Lead Bank Account No : XXXX Secured Loan, Paid in Full Must remain positive only XXXX XXXX XXXX XXXX XXXX  Account No : XXXX Secured Line of Credit, Paid in Full Must remain positive only XXXX : LEGAL FOUNDATIONS Violations Cited : FCRA 1681e ( b ) Failure to assure maximum possible accuracy FCRA 1681s-2 ( b ) Failure to investigate disputed items FCRA 1681g ( a ) Duty to disclose source of reported information UCC 3-603 ( b ) Discharge of debt upon valid tender or refusal UCC 3-302 & 3-305 Defenses available against non-holders in due course Right to Financial Privacy Act, 12 U.S.C. 3401 Unauthorized data reporting Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Failure to validate debt within XXXX days is a waiver of collection Supporting Case Law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) Debt buyers punished for reporting unverified debts XXXX XXXX XXXX ( XXXX ) Bills are not legal proof of debt XXXX XXXX XXXX ( XXXX ) Debt buyers lack standing without assignment XXXX XXXX XXXX XXXX ( XXXX ) Misleading credit reports are FCRA violations XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Debt transferred or sold must be extinguished as an obligation to the original party XXXX : RELIEF DEMANDED DELETE all third-party, unverifiable, or duplicate accounts DELETE all inaccurate addresses RECLASSIFY any charged-off or sold accounts as PAID IN FULL under UCC 3-603 REMOVE all late payments permanently SEND updated report within XXXX  days of receipt Failure to comply will result in : Complaint filings with CFPB, FTC, and State AG Civil claims under FCRA 1681n/o Damages of {$1000.00} per violation, plus court costs Respectfully Submitted, XXXX XXXX XXXX Authorized Private Party | Beneficiary XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation