Consumer complaint received 2025-05-14 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Date of birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern : This letter serves as a formal dispute and legal demand for the immediate deletion and correction of multiple items currently being reported on my credit file. These entries include wrong addresses, unverifiable negative accounts, and excessive hard inquiriesall of which are in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 
Unless you can validate these entries with original creditor documentation, they must be permanently deleted under federal law. 
INCORRECT ADDRESS REPORTING The following addresses do not belong to me, and their continued presence on my file is a violation of FCRA 1681e ( b ) and 1681c-2 : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses must be immediately removed from my file, as they are inaccurate, misleading, and contribute to incorrect account associations and potential fraud risk. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX * * * * * * Opened : XX/XX/XXXX | High Balance : {$450.00} Status : Late Payment Violation : No contractual or billing record has been provided to justify the late payment claim. If the creditor fails to furnish full documentation, this must be deleted under FCRA 1681i ( a ). 
XXXX XXXXXXXX XXXX XXXX # XXXX * Opened : XX/XX/XXXX | Status : Charge-Off Issue : Balance not reported ; incomplete data constitutes inaccurate reporting under FCRA 1681e ( b ). If charged off, the IRS requires creditors to issue a Form 1099-C, which reclassifies the debt as cancelednot collectible. 
XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX | High Balance : {$1700.00} Status : Collection Issue : No chain of assignment, original creditor information, or signed agreement has been provided. This collection violates FCRA 1681s-2 ( b ) and FDCPA 809 ( a ). 
NOTICE : CHARGE-OFF ACCOUNTS IRS MISCLASSIFICATION OF DEBT Per IRS Publication 4681, a charged-off debt is no longer considered collectible. When a creditor cancels a debt of {$600.00} or more, they must issue a Form 1099-C and report it as income to the borrower, not as an ongoing obligation. 
Canceled debt is no longer legally enforceable and may not be reported as outstanding unless revalidated.

If any charge-off on my report has been forgiven or canceled and no 1099-C has been issued or presented, its continued reporting as a balance owed is both financially deceptive and federally prohibited. 
UNAUTHORIZED OR EXCESSIVE HARD INQUIRIES You are reporting an excessive number of inquiries between XX/XX/XXXX and XX/XX/XXXX, most of which were auto dealership inquiries. These inquiries were not authorized individually and represent potential over-pulling, duplicative access, or trigger leads, all of which violate : FCRA 1681b ( a ) ( 3 ) Permissible purpose requirement FCRA 1681b ( c ) Restrictions on firm offers and resellers CFPB guidance Limiting inquiry sharing and credit access by affiliated auto dealers The following inquiries must be removed unless you can provide proof of direct, written authorization : XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FORMAL DEMAND FOR ACTION You are now XXXX required to : XXXX. Delete all inaccurate addresses immediately XXXX. Remove all negative tradelines that can not be fully validated XXXX. Remove unauthorized or excessive hard inquiries XXXX. Provide written documentation from furnishers verifying every disputed item XXXX. Issue a free updated credit report reflecting these corrections ESCALATION WARNING If you fail to take appropriate action within XXXX calendar days, I will proceed with : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Submitting reports to the Federal Trade Commission ( FTC ) and the Oklahoma Attorney General Initiating civil litigation under FCRA 1681n and 1681o for damages, legal fees, and punitive compensation Do not issue stall responses. You are prohibited from dismissing this dispute based on format, tone, or authorship. I reserve the right to use third-party support to assist with this submission under federal law. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief