Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the personal information being reported by the credit bureaus as inaccurate and unverifiable. 
XXXX. Name : My correct legal name is XXXX XXXX XXXX XXXX. The variations XXXX XXXX, XXXX XXXX XXXX, or any other versions are inaccurate and must be removed. 
XXXX. Addresses : My only current and correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. 
The following addresses are inaccurate and must be deleted : XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Any other variations not listed as my current XXXX address. 
XXXX. Employers : I currently have no employers listed on my credit file. The following entries are inaccurate and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Requirement : Under FCRA 607 ( b ), the credit reporting agencies are required to maintain maximum possible accuracy. Reporting incorrect names, outdated addresses, and false employer information violates this requirement. 

Demand for Compliance : I demand the immediate deletion of all inaccurate names, outdated addresses, and false employer records. Only my correct legal name and current XXXX address should remain on file. If these corrections are not made within 30 days, I will escalate further with the CFPB, FTC, and State Attorney General. 


I am disputing multiple inaccurate and unverifiable items under the Fair Credit Reporting Act ( FCRA ). 



XXXX. XXXX XXXX XXXX Charge-Off ( {$8100.00} ) Reported as a charge-off/collection. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate.

Under FCRA 609 ( a ) ( 1 ), I request full validation including signed contract, payment history, and assignment documentation. If not produced, this account must be deleted.

Under FCRA 611 ( a ), unverifiable accounts must be deleted within 30 days. 



2. Late Payments XXXX XXXX & XXXX XXXX XXXX : 6 late payments. 
XXXX XXXX XXXX late payments. 
These are disputed as inaccurate and unverifiable. 
Under FCRA 623 ( a ) ( 2 ), furnishers must promptly correct or delete incomplete/inaccurate data. Unless verifiable records are provided, these derogatory marks must be removed. 



3. Hard Inquiries Hard inquiries must be removed unless validated with proof of written authorization. Under FCRA 604 ( a ) ( 3 ), an inquiry requires permissible purpose. 

Equifax 5 Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX Bank XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX ( duplicate entry ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX All of the above must be removed unless the furnishers can provide documentation showing permissible purpose and my written consent.

Company response to consumer: Closed with non-monetary relief