Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX To Whom It May Concern, I am formally disputing numerous inaccuracies and violations of federal law on my consumer credit file. You are reporting inaccurate personal identifiers, unverified derogatory accounts, and collections without proper validation. This letter serves as a final demand for immediate reinvestigation and deletion as required by the Fair Credit Reporting Act ( FCRA ) and applicable federal statutes.

INCORRECT ADDRESS HISTORY MUST BE REMOVED You are currently reporting the following inaccurate or unrelated addresses, which constitute identity misrepresentation and privacy risk : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These addresses do not belong to me, and their inclusion violates FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681c-2 ( right to block incorrect identifiers ). 
UNVERIFIED NEGATIVE ACCOUNTS DEMAND FOR DELETION The following accounts are being reported as charge-offs, collections, or late payments. I dispute each on the basis of incomplete validation, lack of original documentation, and potential Metro 2 violations. Remove immediately unless full legal proof is provided. 
Creditor / Furnisher Account # ( Partial ) Opened High Balance Issue XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX {$380.00} Charge Off No contract or billing XX/XX/XXXXXX/XX/XXXX {$2000.00} Late Payments No payment history or validation XXXXXX/XX/XXXX XX/XX/XXXX {$2100.00} Late Payments No original application or terms XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX {$1100.00} Late Payments Not validated XXXX XXXX XX/XX/XXXXXX/XX/XXXX {$4100.00} Charge Off No chain of title or contract XX/XX/XXXXXX/XX/XXXX {$2000.00} Charge Off No consumer agreement or billing XXXX XX/XX/XXXXXX/XX/XXXX {$4500.00} Late Payments No account records providedXX/XX/XXXX XX/XX/XXXX {$850.00} Late Payments Multiple entries, possible duplicationXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX {$370.00} Late Payments Duplicate entry, unverified XX/XX/XXXX XX/XX/XXXX {$16000.00} Late Payments No payment ledger, misreporting risk XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX {$4700.00} Collection No debt validation under FDCPA Charge-off Notice : If a debt has been charged off and exceeds {$600.00}, per IRS Publication 4681, it should have been reported as canceled using Form 1099-C. You may not legally report it as collectible after this point.

Collection Notice : Under FDCPA 809 ( a ) and FCRA 1681s-2 ( b ), all collections must be supported by : Proof of ownership Original account details Complete validation notice Signed authorization None of this has been provided.

LEGAL FRAMEWORK You are required to comply with : FCRA 1681e ( b ) : Maintain maximum accuracy FCRA 1681i : Conduct reinvestigation within 30 days FCRA 1681c-2 : Block or remove erroneous data FCRA 1681s-2 ( b ) : Ensure furnishers validate data FDCPA 809 ( a ) : Debt collectors must validate before reporting IRS 4681 & 1099-C : Charged-off debts reported as income are no longer valid debts IMMEDIATE DEMAND FOR ACTION You are hereby demanded to : 1. Remove all incorrect addresses listed above 2. Delete all unverifiable charge-off, late, and collection accounts 3. Confirm in writing the outcome of your reinvestigation 4. Provide a free updated credit report as required by FCRA 1681i ( a ) ( 6 ) FINAL WARNING : LEGAL ESCALATION Failure to resolve this matter within 10 calendar days will result in : Filing a CFPB complaint Reporting violations to the Federal Trade Commission ( FTC ) Submitting a complaint to the Tennessee Attorney General Pursuing civil litigation under FCRA 1681n and 1681o for damages, attorney fees, and court costs I remind you that I am entitled to dispute credit data using third-party assistance. Do not reject or stall this request based on formatting or authorship. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief