Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
To Whom It May Concern, Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I am exercising my right to formally dispute the following inaccurate, outdated, and unlawfully reported items on my credit report. These errors include wrong addresses, invalid charge-off accounts, and unauthorized inquiries that are materially harming my creditworthiness and financial standing. 
Incorrect Address History : The following addresses are appearing in my report and are categorically false. I have never resided at any of these locations and demand their immediate removal : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX incorrect addresses are a violation of FCRA 1681e ( b ), which mandates that consumer reporting agencies ensure the " maximum possible accuracy '' of information they publish. Inclusion of false address history compromises that standard and misrepresents my identity.

Disputed Charge-Off Accounts : The following accounts are listed as charge-offs and are disputed in full. If these debts were in fact charged off, they should have triggered the issuance of IRS Form 1099-C as required by IRS Publication 4681, which states : " If a debt is canceled, the creditor must file Form 1099-C and report the amount to the IRS unless an exception applies. '' To date, no such forms have been received by me, and thus these accounts are being reported unlawfully or erroneously : U S DEPT OF EDXXXX # XXXXXXXX XXXX XXXX  High Balance : {$410.00}, Date Opened : XX/XX/XXXX U XXXX DEPT OF EDXXXX XXXX XXXXXXXX * * High XXXX : {$3600.00}, Date Opened : XX/XX/XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX * * High Balance : {$3400.00} XXXX Date Opened : XX/XX/XXXX Please immediately remove these from my file under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and FDCPA 1692g ( a ). Without complete and verifiable validation or IRS documentation, they must not remain on file.

Unauthorized Hard Inquiries : I also dispute the following inquiries, which were not initiated by me and were not authorized in writing : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Under FCRA XXXX, credit inquiries must only be conducted for permissible purposes, typically initiated by the consumer. These entries violate that principle and are affecting my score without legal basis. 
Each of these errors has caused me financial harm, emotional distress, and reputational damage. I have been denied credit, subjected to higher interest rates, and forced to explain false details to lenders. These are real and compounding injuries that warrant immediate correction. 
I demand that all the disputed addresses, charge-off accounts, and inquiries listed above be permanently deleted from my credit report. I am not requesting correctionI am requesting deletion due to material inaccuracy and violation of my statutory rights.

You are required by law to complete your investigation within 30 days ( FCRA 1681i ), but I hereby provide you a final window of 10 days, per FDCPA 1692k and FCRA 1681n, to comply or I will pursue all legal and administrative remedies available to me under federal law.

Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n.

I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE XXXX PARTY SOFTWARE HELP WRITE MY DISPUTES!

Company response to consumer: Closed with explanation